Notice to UMB Cardholders – Click here if you recently received a replacement card as a result of a potential compromise.

Small Business Free Checking

If you need a basic, low-cost account for your business, try UMB Small Business Free Checking. It is designed especially for businesses with a low number of transactions.


  • No monthly service charge, no minimum balance (account must be opened with $100 minimum deposit).
  • Free online account access.
  • Online bill payment is available for $5.95 per month, which includes the first 20 payments.
  • 25 free credits per billing cycle*.
  • 30 free debits per billing cycle*.
  • 60 free deposited items per billing cycle*.
  • No charge for check imaging.

For more information, visit any UMB banking center or contact us via phone or e-mail.

*$0.40 per credit, debit or deposited item over the free allotment. Transfers completed through online banking or UMB Business Direct ( phone banking) are always free and not included in the free credits or debits. Visa® Business Check card debits are always free and do not count against allotted debits, unless a non-Ultra ATM is used.