Business Checking Account
Checking accounts that work for your business
We know your business needs are unique, which is why we offer a variety of commercial checking account options that range from everyday operating accounts to interest-bearing and investment opportunities for your cash balances.
Business Checking Account
Checking accounts that work for your business
We know your business needs are unique, which is why we offer a variety of commercial checking account options that range from everyday operating accounts to interest-bearing and investment opportunities for your cash balances.
Online account management
UMB’s online account management services give you enhanced control over your business’s finances, paired with an intuitive interface and convenient mobile access.
Responsive service
Your UMB team is available to answer questions, provide insight and help you select the right financial tools to help streamline cash flow and efficiently operate your business.
Strategic partners
Your financial plans and goals are unique to your business, and we work to ensure you have the information you need to make informed decisions.
UMB Commercial Checking
A checking account to manage day-to-day financial needs of your business
These straightforward checking accounts are perfect for managing the funds of any commercial enterprise including corporations, sole proprietorships, partnerships and nonprofit organizations.
UMB Commercial Performance Checking
A business checking account with tiered interest earning potential
Performance Checking is the ideal all-in-one account that accrues interest each day based on the collected balance maintained in your account. Interest rates are tiered to reward higher daily collected balances with a higher rate.
Know the cash you have on hand with UMB’s controlled disbursement account
Our controlled disbursement service gives you the knowledge of your company’s daily financial position with better accuracy. And, this account enables you to take advantage of investment opportunities and gain maximum interest income while minimizing idle balances.
How controlled disbursement works
Once your account is set up, you will be able to retrieve a report online showing you all of your items presented for the day by 10 a.m. CT. Your controlled disbursement account always maintains a zero balance and the exact funds needed to cover the disbursements are automatically transferred to the account from your primary UMB account.
Features and benefits
- Timely presentment of checks with a unique transit routing number assigned to your account.
- No peg balances required because the account is funded through a zero-balance arrangement with a parent account.
- Make savvy financial decisions regarding short-term investments, borrowing or other daily cash requirements.
- Early notification will allow you to take advantage of prime investment deadlines and maximize your investment income.
- You can control cash balances by timing the outflows and utilizing the disbursement float.
Treasury management
No matter the size of your operations, we roll up our sleeves to help you with the everyday details of your business, so you can plan, move and protect your cash flow on your terms.
Explore UMB’s treasury services