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Checking Account Comparison

Checking solutions that fit your lifestyle


Below, we’ve provided quick comparison chart to help you find the best checking solution and added options based on your specific needs. If you have any questions, chat with a UMB representative, stop by a branch or call 800.860.4UMB (4862).


 

UMB Convenience Checking™

UMB Value Checking™

UMB Select Checking™

Minimum balance to open

$100

$100

$1000

Free Personalized Photo Debit Card

Yes

Yes

Yes

Free Online Banking

Yes

Yes

Yes

Free Online Bill Payment

Yes

Yes

Yes

Free Mobile Banking

Yes

Yes

Yes

Free Mobile Account Alerts

Yes

Yes

Yes

Free 24/7 Phone Access

Yes

Yes

Yes

Optional Overdraft Protection

Yes

Yes

Yes

Interest paid on balance

No

No

Yes

Special Features

 

Personal Checks

 

30% discount on
non-exclusive checks

Free exclusive checks or 50% discount on non-exclusive checks

Cashier's Checks/Money Orders

 

Waived

Waived

Safe Deposit Box

 

 

Free small box or 50% discount on larger box (where available)

Special Loan Rates and/or Origination Fee Reduction1

 

 Yes

 Yes

Special Deposit Rates2

 

 

Yes

Statements
(with check images unless noted)

 Electronic or paper (no images) $3 service charge for paper statement

 Electronic or paper
No charge

Electronic or paper
No charge

ATM Transactions3

No fees at UMB ATMs
$2 each at non-UMB ATMs

No fees at UMB ATMs 
3 free each month at non-UMB ATMs and $2 each thereafter

All waived

Checks Paid Charge

3 free - $2 each thereafter

None

None

Monthly Service Charge

$4.00

$8.00

$20.00

Monthly Service Charge Waiver Options
(Meet one of these conditions)

  • $500 average daily collected balance in this account
  • An automatic transfer of $50 or more to a linked savings account monthly
  • A direct deposit of $250 or more monthly
  • $1,500 average daily collected balance in this account
  • $3,000 in combined deposit balances
  • Student, under age 25
  • $5,000 average daily collected balance in this account
  • $15,000 in combined deposit balances
  • $25,000 in combined deposit and loan balances

 
Schedule an Appointment to Learn More


1 Special Loan Rates and Origination Fee Discounts (Subject To Loan Approval):

  • UMB Value Checking: HELOC (.25% Standard Rate Reduction, Origination Fee Waived), Home Equity Loan (Origination Fee reduced up to $100, depending on Lien position), Unsecured Home Improvement Loan (.25% Standard Rate Reduction), Auto/Boat/Recreational/Other Title Vehicles (.25% Standard Rate Reduction, Origination Fee reduced by $25)
  • UMB Select Checking: HELOC/Auto/Boat/Recreational/Other Title Vehicles (.50% Standard Rate Reduction, Origination Fee Waived), Home Equity Loan (.25% Standard Rate Reduction, Origination Fee waived up to $200 depending on Lien position), Unsecured Home Improvement Loan (.50% Standard Rate Reduction)

2 Special Deposit Rates: 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.

3 Access fees may be charged the institution that owns the non-UMB Bank ATM. ATM owner surcharge fee not refunded.