Looking for private banking solutions?
UMB offers personalized banking services for individuals and families with high net worth, including in-depth financial consultations and a full-service review of your goals and needs.
Learn moreUMB Checking Accounts
Find the bank account built for your everyday needs.
UMB has convenient, on-the-go, checking accounts so you can focus less on your to-do list and more on your bucket list. Ready to get started? Visit your local UMB branch to open a checking account.
Checking
Find the bank account built for your everyday needs.
UMB has on-the-go, convenient and transparent checking accounts so you can focus less on your to-do list and more on your bucket list. Ready to get started? Visit your local UMB branch to open a checking account.
UMB Convenience Checking®
If you need a streamlined checking account to manage your everyday needs, try UMB Convenience Checking.
- Unlimited deposits and withdrawals
- Low-minimum balance account with monthly service fee waiver options
UMB Value Checking®
Need a few perks to help your money work harder? UMB Value Checking may be the best fit for you.
- Monthly service fee waiver options
- Unlimited deposits and withdrawals
UMB Select Checking®
If you need your checking account to do more for your financial plan, UMB Select Checking may be right for you.
- Fee waivers and special loan rate discounts
- Earn interest on your account balance
Exceptional service
UMB’s one-on-one financial coaching can help you get the most from your banking experience.
Online access
Quickly and easily manage your UMB checking account with Online Banking and the UMB Mobile Banking app.
Banking built for you
Mobile banking, phone banking, bill pay, Apple Pay and more – bank however you want to bank with UMB.
| UMB Convenience Checking ® 2 | UMB Value Checking ® 2 | UMB Select Checking ® 2 | |
|---|---|---|---|
Is it right for you? |
A checking solution to manage day-to-day financial needs. | A checking option with additional features to help your money work harder. | The perfect account to manage broader financial needs through preferred rates and discounts. |
| Minimum Opening Deposit | $100 | $100 | $1,000 |
| Check Features | 30% discount on non-Exclusive checks ordered through UMB’s preferred check vendor |
No charge for Exclusive checks or 50% discount on non-Exclusive checks ordered through UMB’s preferred check vendor | |
| Monthly Service Fee | $4 | $8 | $20 |
Monthly Service Fee Waiver Options |
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| Cashier's Checks Included | |||
| Money Orders Included | |||
| Special Loan Rates and Loan Fee Discounts 1 | |||
| Interest Paid on Balance | |||
| Paper Statements | Online: No fee; Paper: $3 | Included | Included |
| UMB ATM Withdrawals | No fee | No fee | No fee |
| Non-UMB ATM Withdrawals3 | $2 each | 3 with no UMB fee; $2 each thereafter | No UMB fee3 |
| Fee for Checks Paid | 3 with no fee, $2 each thereafter | No fee | No fee |
| Ways to Waive Monthly Service Fee (Must satisfy one of these conditions each monthly service charge cycle) |
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Digital wallet
UMB’s accounts work seamlessly with the latest digital wallet technology, including Apple Pay, Samsung Pay, Garmin Pay and Fitbit Pay. You can carry your credit, debit, gift and membership cards all with your device and pay in-person, online or in-app with just a tap.
View the Digital Wallet Terms and Conditions
Direct deposit
With direct deposit, you can have the convenience and security of your funds being automatically deposited into your account without paper checks or extra trips to the ATM. To set up direct deposit, your employer or other income source will provide the necessary paperwork, and you will need your Social Security number and UMB’s routing number.
Interested in online bill pay?
With online banking, you can pay bills electronically from your UMB deposit account to people and businesses across the U.S. Log in to your UMB online banking account to get started.
- One-time and recurring payments
- Schedule payments for a future date
- Review the due date and process time for payments
- Convenient and quick payee set up
- View payment history
Account features
- Convenient online account management
- 24-hour service and support
- One-on-one financial review and assistance
- Unlimited deposits and withdrawals
- Mobile app with mobile check deposit
- Banking alerts
- Online bill pay
- Overdraft protection available
- Automatic transfers
- Direct deposit
Overdraft Protection Services
TotalCheck Line of Credit Overdraft Protection *
Your activated TotalCheck Overdraft Protection account operates similarly to a credit card, with a pre-authorized credit limit and an annual percentage rate. TotalCheck Overdraft Protection advances are for the exact amount that the account is overdrawn, bringing the account to a $0 available balance. Subject to credit approval.
*Please see service terms and conditions for more information about the Overdraft Protection service.
Account-to-Account Transfer Overdraft Protection*
UMB offers Account-to-Account Transfer Overdraft Protection for customers with multiple UMB deposit accounts. If your checking account becomes overdrawn, available balances in your designated savings or money market account will be used to cover the overdraft items.
*Please see service terms and conditions for more information about the Overdraft Protection service.
Credit Card Overdraft Protection*
UMB offers Credit Card Overdraft Protection for individuals who have been approved for a UMB credit card and wish to authorize funds to be made available in their checking account up to their available credit limit. Credit Card Overdraft Protection advances occur in $100 increments, up to available credit limit. If available credit limit is less than $100, the available amount will be advanced. Subject to credit approval.
*Please see service terms and conditions for more information about the Overdraft Protection service.
Top Questions About Checking Accounts
Which checking account is best for me?
Finding the right checking account is all about the features you want. Look for features that make accessing your money easier, whether it’s online banking, ATM and branch locations, or special services like money orders and Cashier’s Checks.
Will checking accounts earn interest?
Some checking accounts can help you earn interest on your balance, but not all. Interest-bearing checking accounts typically allow you to generate interest based on the amount in the account each day, which is then generally credited monthly.
Where can I find my checking account number?
If you have checks associated with the account, the longer number on the bottom of a check is your account number. You can also find your account number at the top of your account statement, which is provided each month online or in the mail.
Teaching kids good money habits
Learning good money habits at a young age can help build a foundation for responsible financial decision-making in the future. If you have children in your life, consider these tips to help teach them the importance of money management, especially saving.
Savings strategies in your 20s and 30s
Personal savings is a cornerstone of financial success and security. With the right approach to saving money and using accounts that allow for quick emergency access and potential long-term returns, individuals are better positioned to put their money to work for them.
Start your emergency fund with a UMB savings account.
Choose the UMB credit card with the rewards you want.
- Subject to credit approval.
- Should the checking account be closed or transferred to a nonqualifying product, standard fees will apply.
- The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.
- Securities are offered through UMB Financial Services, Inc. (member FINRA, SIPC), an affiliate of UMB Bank.
Not FDIC Insured ● No Bank Guarantee ● Not a Deposit ● Not Insured by any Government Agency ● May Lose Value