Commercial Checking Accounts

Commercial vs. Business Checking Accounts

The above checking accounts are available for managing the funds of any commercial enterprise including corporations, sole proprietorships, partnerships and nonprofit organizations. If you are a small to medium business with lower transactions view our business checking options.

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.

SVG

Online management

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

SVG

Responsive service

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

SVG

Strategic advisors

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

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Business women looking at laptop in office
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Manage your business finances online

We have the tools and systems you need to effectively and efficiently manage your business finances—from anywhere, any time.

Learn more
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FAQs

Frequently asked questions

    You can view all requirements for various entity types for opening a commercial checking account in our Account Onboarding Checklist.  

    You can view a breakdown and comparison of accounts and service fees in our Commercial Checking Solutions Guide.

    There are options available to waive service fees, and balances can be combined for qualifying commercial deposit accounts. You can read more about these options in the Commercial Checking Solutions Guide.

    UMB will provide your account number soon after your account is open.

    After you submit your application, UMB will send you a notice with your new account number. In some cases, we may ask for additional information about you or your business before we can complete the account opening process.

    In most cases, new UMB commercial customers will have online account access one business day after they open their accounts.

    Yes, as part of the account opening process you can request a debit card as well as make requests for authorized users. Additional debit cards needed after the account opening process can be requested in-person at a branch or by phone. 

    UMB takes your commercial account privacy and security very seriously. We require several steps to protect your information and provide you with a dependable online experience. This includes a temporary password for first-time users and a Secure Access Code when utilizing a new device or browser to access your account information. We also offer various tools to help you better protect your account. To access these tools and manage your options, go to Security Preferences in your UMB online banking account.

    Review, print and download our Deposit Account Agreement.

    For businesses and institutions who would like to open a new UMB account or update a current account, we are required to collect certain information about the owners/controllers of the company. Use the following links to review or complete your Beneficial Ownership Certification Requirements and the Politically Exposed Persons and Sanctions Screening (Optional).