Business Savings Accounts and CDs

Savings solutions that help your business maximize excess cash balances

If your business has additional funds and would like to earn interest while maintaining access to those funds, consider our business savings account options.

Key Features


Online management

We provide the tools and systems you need to manage your business finances remotely.


Responsive service

Your UMB team is available to answer questions, provide insight and help you select the right financial tools.


Strategic advisors

We work to ensure you have the information you need to make informed decisions.

  • Tips starting small business

    Practical tips for starting a small business

    Starting a small business is a uniquely challenging, exciting and rewarding experience. From researching potential industries and operational models, to digging deep into financing options, a lot must happen before you officially open. For those who persevere, launching your own...

    Read Now
  • SBA loan

    A guide to SBA loans and resources

    Small businesses accounted for 67.2% of new jobs between 1995 and 2021 ‡, demonstrating their sustained importance to local and national economies. Because of the beneficial impact small businesses have on their communities – through services provided, job creation and...

    Read Now
  • Small Business Loan

    Small business lending: A guide to applying for a loan

    The truth about bankers is that we love nothing more than helping people turn their dreams into reality. We entered this line of work to help others reach their financial goals and find their individual path to success. For many...

    Read Now
  • Commercial card

    How commercial credit cards can improve cash flow, efficiency and security for your business

    In the business-to-business (B2B) world, checks have long been the preferred method of payment, but the rise of electronic options is changing the payables landscape. While checks still account for 40% of B2B payments ‡, the Association for Financial Professionals’...

    Read Now
  • Texas 10 year

    Recognizing more than 10 years in the Texas market: Top advice from the team

    After more than 10 years in the Texas market, we are just as excited today as we were the day we launched about serving our clients and the community here. We’re steadily growing, and at the end of the third...

    Read Now

Frequently asked questions

    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. Learn more.

    We know your business needs are unique, which is why we offer a variety of business checking account options that range from everyday operating accounts to interest-bearing. Learn more.

    A money market account is a unique account that allows you to save funds at a competitive interest rate with multiple ways to access your funds. Discover if this account is the right savings vehicle for you. 

    Money market features 

    • Most money market accounts include the following features and benefits: 
    • Interest paid on tiered balances – Earn interest based on the amount in your account. 
    • Debit card access and check writing – Easily use your funds like you do your checking account for purchases. Check with your financial institution for any withdrawal limitations.
    • Unlimited deposits – you can add funds to your account whenever you like, and there is no limit on the amount. 

      A money market account can be a great tool to help you achieve your savings goals. Read more about UMB's Money Market account and apply online now.

    UMB Bank's time deposit or certificate of deposit (CDs) is a savings account that locks your money down for a certain time period. This means you can’t access the funds for a certain amount of months, or you will have to pay a penalty fee. Interest rates tend to be slightly higher on time deposits and can be a great tool if you know you won’t need those funds for several months. 

    A time deposit or certificate of deposit (CDs) from UMB Bank can be a great tool to help you achieve your savings goals. Read more about UMB's time deposit accounts and apply today at a branch.

    1. For more information on FDIC insurance coverage, please FDIC.govleaving website icon.
    2. Subject to terms and conditions