Your checking account number is at the bottom of a personal check. It’s usually the longest number (typically 10-12 digits) printed in a series of numbers.

Look at this example from a UMB personal checking account. Here, the UMB account number is third in the series at the bottom: bank routing number, check number, account number.

Usually, opening a checking account does not affect your credit score. A bank might look at your credit report when you apply to open a bank account. But this is typically a “soft inquiry,” which doesn’t impact your credit score.

If a bank uses a “hard inquiry” to review your credit report, the negative impact to your credit score is still relatively low. Here’s more helpful information on understanding your credit score.

Here are a few things you’ll need to open a personal checking account:

1. A state-issued ID, driver’s license or learner’s permit. If you do not have these forms of identification, please contact a nearby UMB branch for more information about forms of identification accepted in branch.
2. Basic personal information, including your birthdate, Social Security Number (SSN) or Tax ID Number (TIN), address and phone number.
3. An initial deposit may be required to open the account. Banks usually offer a variety of checking account options with different requirements for initial deposits.
   
   In some situations, you might also need:
   
   
4. IDs and personal information for other applicants if you want to open a joint account. A joint account is owned by multiple people, so a bank requires information from anyone sharing the account.
5. A co-owner or co-signer if you are younger than 18. A parent or legal guardian will need to sign legal documents for the bank.

Yes, you can open a checking account online. Most banks provide a simple and secure online bank account application process. To open a UMB account online, you must:

1. Be at least 18 years old.
2. Be a U.S. citizen or resident alien.
3. Live in Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma or Texas.
4. Have a state ID, driver’s license or learner’s permit.

Checking your account balance regularly is a great way to track your spending habits and financial goals. Here’s how to check your UMB account balance:

1. Download the UMB mobile banking app for on-the-go account access.
2. Visit umb.com/onlinebanking. To register for online banking, you’ll need your account number and personal information.
3. Call 800.860.4UMB (4862) to hear your account balance or speak to a representative at the UMB Service Center. You’ll need to activate your direct banking access the first time you call.
4. Stop by the nearest UMB branch or ATM. Have your ID with you, and a UMB personal banker will be happy to help you at a branch. You can also check account balances using your UMB card and PIN at an ATM.
5. Enroll in paperless statements through UMB Online Banking to have account statements conveniently emailed to you.

Yes, certain checking accounts can earn interest. Interest-bearing checking accounts usually require a higher minimum opening deposit. Banks often offer fee waivers if you make larger initial deposits or maintain higher balances.

If you’d like to earn interest on your account at UMB, consider opening a UMB Select Checking account. This account type also offers access to special loan rate discounts.

If an interest-bearing checking account isn’t right for you, we also offer UMB Value Checking and UMB Free Checking. Find the best fit for you by comparing UMB personal checking account options.

To reorder checks for your UMB account, you can:

• Order through online banking. Log in to your account to access the order dashboard.
• Order online through Deluxe Financial Services, Inc. 
• Order at a branch or connect with us to get started (best for first-time check orders or information changes)

Download or view the UMB Consumer Banking Schedule of Service Fees and Charges

Download or view your deposit account agreement.