CASH IN ON CHECKING

Every UMB personal checking account includes:

  1. All account applications are subject to approval. Valid only for new UMB Convenience Checking, UMB Value Checking, and UMB Select Checking accounts. Please read account descriptions carefully. To be eligible for this special offer, you must apply for the new qualifying personal checking account via the “Apply Now” buttons on this page or in-person at a UMB branch, fund the account with the minimum opening deposit and meet or exceed the qualifying direct deposit transaction requirements within 60 days of account funding for the account you’ve selected. You must present the mailer or mention this special offer when opening a qualifying account at a UMB branch. Funds used to establish the account (the ‘opening deposit’) must not currently be on deposit at UMB and you cannot currently be an owner or co-owner of a UMB personal checking account. You must reside in one of the following states to apply for the special offer: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas. UMB associates are not eligible for this special offer. Accounts not funded by the last day of the first full month following account opening will be closed. Special offer available one time per individual; for accounts with multiple owners, earned special offer will only be paid once. Earned special offer will be paid to the eligible UMB checking account within 30 days of meeting applicable qualifying direct deposit transaction requirements. Eligibility will be verified prior to paying out the $100.00, $200.00 or $300.00 special offer. Earned special offer will be reported to the IRS as interest income. If the checking account is closed within the first 90 days from the account opening date, a Close Account charge may be imposed. Fees and charges could reduce earnings on your account. Contact a UMB associate for more information. Offer expires May 22, 2021.

  2. For purposes of this special offer, qualifying direct deposits include recurring ACH deposits of monthly income from third parties, including income from employment, retirement, and government benefits. Qualifying direct deposits do not include other types of deposits, such as those made at a UMB branch, ATM, or using UMB Online or Mobile Banking.

  3. UMB Select Checking account interest rates and annual percentage yields below are effective as of March 18, 2021. Both may be changed at any time solely at the discretion of UMB.
UMB Select Checking - Effective March 18, 2021
Balance LevelsInterest RateAnnual Percentage Yield
Tier I $0 - 999.990.01%0.01%
Tier II $1,000 - 2,499.990.03%0.03%
Tier III $2,500 - 24,999.990.03%0.03%
Tier IV $25,000 and over0.05%0.05%

 

  1. Eligible brokerage balances are those held with UMB Financial Services, Inc. (member FINRA, SIPC), an affiliate of UMB Bank, n.a.
    Securities and insurance products are:

    Not FDIC Insured • No Bank Guarantee • Not a Deposit • Not Insured by any Government Agency • May Lose Value
  2. Subject to credit and collateral approval.

  3. The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.

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Member FDIC. Equal Housing Lender

For a limited time, earn a cash bonus for opening a new, eligible UMB personal checking account and setting up qualifying direct deposits.1,2

  • Qualifying direct deposits totaling $500 or more posted to the account within 60 days of account funding2

  • $100 minimum opening deposit required

Limit one checking account special offer per individual. 

To take advantage of this special offer, you must apply for the new qualifying personal checking account via the Apply Now buttons on this page or open an account at a UMB branch. You must present the mailer or mention this special offer when opening a new account at a UMB branch. 

Visit locations.umb.com
 to schedule a branch appointment. 

Mobile Check Deposit

Digital Wallet Options

Online & Mobile Banking

Account
Alerts

24/7
Support

Online
Statements

Unlimited Deposits & Withdrawals

Visa® Debit
Card

If you need assistance beyond the information provided, we can help. 
Contact us online
.

HURRY! Offer ends May 22, 2021

SPECIAL OFFER1

100

$

UMB CONVENIENCE   CHECKING®

BONUS

Apply Now

UMB VALUE
CHECKING®

200

$

BONUS

Apply Now

SPECIAL OFFER1

  • Qualifying direct deposits totaling $1,000 or more posted to the account within 60 days of account funding2

  • $100 minimum opening deposit required

UMB SELECT
CHECKING®

300

$

BONUS

Apply Now

SPECIAL OFFER1,3

  • Qualifying direct deposits totaling $2,000 or more posted to the account within 60 days of account funding2

  • $1,000 minimum opening deposit required
 UMB Convenience CheckingUMB Value CheckingUMB Select Checking

Is it right for you?

A checking solution to manage day-to-day financial needs.A checking account option with additional features to fuel financial growth.The perfect checking account to manage broader financial needs through preferred rates and discounts.
Minimum Opening Deposit$100$100$1,000
Check Features
30% discount on non-Exclusive checks ordered through UMB’s preferred check vendorNo fee for Exclusive checks or 50% discount on non-Exclusive checks ordered through UMB’s preferred check vendor
Monthly Service Fee$4$8$20

Monthly Service Fee Waiver Options

Ways to Waive Monthly Service Fee (Must satisfy one of these conditions each monthly service charge cycle)
  • $500 average collected balance in this account
  • An automatic transfer of $50 or more to a UMB checking, savings or money market account, or UMB loan obligation from this account
  • An Online Banking transfer of $50 or more to a UMB checking, savings or money market account, or UMB loan obligation from this account
  • $1,500 average collected balance in this account
  • $3,000 in combined deposit balances
  • A single direct deposit of $250 or more
  • Student, under the age of 25
  • $5,000 average collected balance in this account
  • $15,000 in combined deposit balances
  • $25,000 in combined deposit and loan balances
  • $30,000 in combined trust balances
  • $30,000 in combined brokerage balances4
Cashier's Checks Included
Money Orders Included
Special Loan Rates and Loan Fee Discounts5
Interest Paid on Balance
 
Paper StatementsOnline: No fee; Paper: $3IncludedIncluded
UMB ATM WithdrawalsNo feeNo feeNo fee
Non-UMB ATM Withdrawals6$2 each3 with no UMB fee; $2 each thereafterNo UMB fee
Fee for Checks Paid3 with no fee, $2 each thereafterNo feeNo fee

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