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Customer Service

Checking Account Comparison

UMB offers a variety of accounts with features that are tailored to fit various financial lifestyles. We are here to assist you in achieving your financial dreams. Please take a moment to view our personal checking options shown below, or see what our customers have to say about checking accounts from UMB.

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Current Checking Customers:

Checking Account Comparison: (Effective 08/01/12)

 

UMB Checking

Count on More Rewards Checking

UMB Interest Checking

UMB Visa® - Personalized Photo Debit Card

Yes

Yes

Yes

Free Online Banking

Yes

Yes

Yes

Free Mobile Banking

Yes

Yes

Yes

Free Mobile Account Alerts

Yes

Yes

Yes

Free Electronic Bill Pay

Yes

Yes

Yes

24/7 Phone Banking Access

Yes

Yes

Yes

Optional Overdraft Protection

Yes

Yes

Yes

Debit Card Rewards

Rewards for shopping at select merchants

5 Rewards Points on all debit card purchases1 and Bonus Rewards for shopping at select merchants

Rewards for shopping at select merchants

Interest paid on balance

No

No

Interest accrued daily on collected balance and paid monthly at statement cycle

ATM Transactions

No fees at Ultra ATMS

No fees at Ultra ATMS AND 3 free non-Ultra ATM transactions each month (UMB fee waiver only, ATM owner surcharge fee not refunded)

No fees at Ultra ATMS

Check Orders

Standard charges

30% discount on non-exclusive checks

Standard charges

Bank Statements

Paper or electronic non-image bank statements

Paper or electronic image bank statements
(includes images of canceled checks)

Paper or electronic image bank statements
(includes images of canceled checks)

Add Identity Safe

$8.95 per month

$8.95 per month

$8.95 per month

Minimum balance to open

$100

$100

$100


Account criteria to waive or offset monthly service charge

$1 Rebate with eStatement

No service charge with:

  • $1,500 or greater average collected balance
  • OR $3,000 or greater in combined checking and savings account balances
  • OR at least one direct deposit of $250 or more per statement period
  • OR you are a student, under the age of 25

No service charge with:

  • $1,000 minimum balance
  • OR $2,000 or greater average daily balance

Monthly service charge if account criteria is not met

$5 per month

$8 per month

$10 per month

1 You earn 5 rewards points for every PIN and non-PIN (when credit is chosen at checkout) debit card purchase. Rewards points are not awarded for ATM transactions, cash advances, or any non-purchase activity. If a transaction gets reversed when merchandise is returned or for any other reason, 5 rewards points will be deducted from your total rewards points balance. Your rewards points accrue daily, with your total rewards balance available for redemption updated each month-end. UMB reserves the right to change or cancel this rewards program at any time.

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For more information, please contact us or stop by any UMB banking center to speak with a personal banking representative.

Learn about additional services like Online Banking or Mobile Banking.