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.

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.

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.

Commercial Savings Solutions

Commercial Savings Account

A no-frills business savings account where you can place your extra business funds while earning interest over time.

  • $100 minimum opening deposit
  • Interest-bearing
  • Up to six withdrawals per month at no charge
  • Access funds with an ATM card

Commercial Certificate of Deposit (CD)

CDs are longer term savings vehicles that can be issued for as little as $500.

  • Flexible terms from 32 days to six years
  • Competitive interest rates
  • Security of FDIC coverage1

UMB Daily Investment Account2

The Daily Investment Account earns interest while providing commercial customers limited check writing ability. Interest rates are tiered based on the balance maintained in the account, so the greater the balance, the higher the rate of interest you can earn.

  • Interest is paid on tiered balances
  • Unlimited deposits
  • Up to six withdrawals per month at no charge
  • Limited check writing

Money Market Sweep Account3

A Money Market Sweep Account is both a checking and investment account, providing you the potential to earn even more money on your balances. Any amount over your peg balance4 can be swept into one of three money market funds.

  • Earn money market fund interest rates
  • Choose from three investment options
  • Personal account representative
  • Automatic movement of funds into investment account

Business Money Market Account

This money market account pays you interest on the amount of your deposit balance, so the more you save, the more you earn.

  • Competitive interest rates paid on seven-tiered balances
  • Up to six withdrawals per month at no charge
  • Limited check writing
  • Interest earned on balances

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

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.

Learn More
  1. For more information on FDIC insurance coverage, please FDIC.gov.
  2. Investment products offered through UMB Financial Services, Inc., member FINRA, SIPC, a wholly-owned subsidiary of UMB Financial Corporation.
    Not FDIC Insured - May Lose Value - No Bank Guarantee
  3. Fidelity Funds are
    Not FDIC Insured - May Lose Value - No Bank Guarantee
  4. The earnings credit is based on the current rate set by UMB Bank on average collected balances in the checking account part of the sweep account and will not exceed total service charges. Earnings credit is subject to change at the sole discretion of UMB Bank, and without notification. The current rate may be obtained by contacting a UMB commercial account officer.