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UMB Select Checking

The checking account of choice if you have extensive financial needs.

With UMB Select Checking, you’ll receive our highest level of benefits, all designed to maximize your return and save you money. From preferred rates to a long list of free and discounted banking services, UMB Select Checking is our relationship-focused solution best suited to meet your financial needs. And all it takes is just $1,000 to open.

Use it Conveniently

With UMB Select Checking, you’ll enjoy the ultimate in accessibility. 

Use it for savings

Save on valuable services you use daily:

  • Free Exclusive Checks or a 50% Discount on Non-Exclusive Checks
  • Free Small Safe Deposit Box or 50% Discount on Larger Box (at Participating Locations)
  • Free Cashier’s Checks and Money Orders

Use it When Investing and Borrowing

  • Special Loan Rates and Origination Fee Discounts (Subject to Loan Approval)2
  • Special Deposit Rates3

And there’s more

  • Overdraft Protection Available Upon Approval
  • Electronic Statement or Paper Statement with Check Images at No Charge

How do I qualify for UMB Select Checking?

  • Maintain an average daily collected balance* of $5,000 or greater each month OR
  • Maintain a combined $15,000 balance** in your deposit accounts each month OR
  • Maintain a combined $25,000 balance*** in deposit and loan accounts each month
A $20 charge will be assessed at each monthly statement period in which none of the conditions described above are met.

Schedule an Appointment to Learn More

 

Or stop by your nearest UMB Banking Center to learn more.


1 Access fees may be charged by the institution that owns the non-UMB Bank ATM. ATM owner surcharge fee not refunded.
2 HELOC/Auto/Boat/Recreational/Other Title Vehicles (.50% Standard Rate Reduction, Origination Fee Waived), Home Equity Loan (.25% Standard Rate Reduction, Origination Fee Waived), Unsecured Home Improvement Loan (.50% Standard Rate Reduction)
3 The following offers are available to UMB Select Checking accountholders and a limited number of other checking products. From time to time and at the bank’s discretion, these offers may also be made available to individuals without UMB Select Checking.

  • Premium Savings Special: Minimum opening deposit is $25,000. A rate higher than the posted UMB Daily Investment Money Market rate will be paid on existing and new funds deposited. Should the account balance exceed $100,000 or the Select Checking account be closed or transferred to a non-qualifying product, the bank reserves the right to transfer the funds without notice to a Daily Investment Money Market. Limit one per household.
  • CD/IRA Special: Opening deposit of $10,000 minimum and $100,000 maximum. A non-standard term with a rate above the closest shorter standard term rate will be paid on existing and new funds deposited. The non-standard term and rate offered is subject to change without notice. Additional terms and conditions not identified (i.e. Interest Compounding) will be at the bank’s discretion and disclosed at the time of the special offer. Should the Select Checking account be closed or transferred to as non-qualifying product, the bank reserves the right to transfer the funds without notice to the nearest shorter term standard CD at maturity. Limit one per household.  
     
*Average Daily Collected Balance is calculated by adding together the balance of items in the account for which the bank has received credit (the "collected balance") for each day of the monthly statement cycle. That balance is then divided by the number of days in the monthly statement period.
** Balance for transaction deposit accounts (checking, savings or money market) is the ending ledger balance of the related account the day before the date the checking account statement is produced, plus the ledger balance of the master Checking account the day that the statement is produced. Balance for term deposit accounts (CD or IRA) is the prior month’s ending ledger balance of the related account.
*** Balance for transaction deposit accounts (checking, savings or money market) is the ending ledger balance of the related account the day before the date the checking account statement is produced, plus the ledger balance of the master Checking account the day that the statement is produced. Balance for term deposit accounts (CD or IRA) is the prior month’s ending ledger balance of the related account. Balance for loan accounts is the ending outstanding balance of the related account the day before the date the Checking account statement is produced. Mortgage and Credit Card accounts are not eligible.