UMB Checking Accounts – Open An Account Online Today

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? Open a UMB checking account online today.

UMB Checking Accounts – Open An Account Online Today

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? Open a UMB checking account online today.

UMB Select Checking®

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  • $1,000 minimum opening deposit
  • Fee waivers and special loan rate discounts
  • Earn interest on your account balance

UMB Value Checking®

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  • $100 minimum opening deposit
  • Monthly service fee waiver options
  • Unlimited deposits and withdrawals

UMB Free Checking

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  • $10 minimum opening deposit
  • No monthly service fee
  • Paper statements included



Review checking account details in our comparison table. If you need assistance, have a UMB banker contact you.

To open an account online, you must:

  • be 18 years old or older
  • be a U.S. citizen or U.S. resident alien
  • live in one of the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma and Texas
  • have a state ID, driver’s license, or learner’s permit. If you do not have these forms of identification, please contact a nearby branch for more information about forms of identification accepted in branch.
Online access

Quickly and easily manage your UMB checking account with Online Banking and the UMB Mobile Banking app.*

Exceptional service

UMB’s one-on-one financial coaching can help you get the most from your banking experience.

Banking built for you

Mobile banking, phone banking, bill pay, Apple Pay and more – bank however you want to bank with UMB.*


*Some restrictions may apply. See the UMB Online Banking Agreement and the UMB Mobile Remote Deposit Terms and Conditions for more information. Consult your mobile carrier about applicable data usage or SMS charges.

  UMB Select Checking® 1 UMB Value Checking® 1 UMB Free Checking1

Is it right for you?

The perfect checking account to manage broader financial needs through preferred rates and discounts. A checking account option with additional features to fuel financial growth. A checking account to help you manage your everyday finances.
Minimum Opening Deposit $1,000 $100 $10
Check Features No fee for Exclusive checks or 50% discount on non-Exclusive checks ordered through UMB’s preferred check vendor2 30% discount on non-Exclusive checks ordered through UMB’s preferred check vendor2
Monthly Service Fee $20 $8 No fee

Monthly Service Fee Waiver Options

Ways to Waive Monthly Service Fee (Must satisfy one of these conditions each monthly service charge cycle)
  • $5,000 average collected balance in this account
  • $10,000 in combined deposit balances
  • $25,000 in combined deposit and loan balances
  • $1,500 average collected balance in this account
  • $3,000 in combined deposit balances
  • A single direct deposit of $250 or more
N/A
Cashier's Checks Included  
Money Orders Included  
Special Loan Rates and Loan Fee Discounts3  
Interest Paid on Balance    
Paper Statements Included Included Included
Visa® Debit Card Included
UMB ATM Withdrawals No fee No fee No fee
Non-UMB ATM Withdrawals4 No UMB fee 3 with no UMB fee; $2 each thereafter $2 each
Online Rates View Rates N/A N/A

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  1. Should the checking account be closed or transferred to a nonqualifying product, standard fees will apply.
  2. Shipping charges may apply.
  3. Subject to credit and collateral approval. Restrictions apply.
  4. The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.

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 more

Digital wallet

UMB's checking accounts work seamlessly with the latest digital wallet technology, including Apple Pay, Samsung Pay, Garmin Pay and Fitbit Pay.

Carry your credit card, debit card, gift cards and membership cards all within your device and pay 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 checking 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 - 101000695.

Interested in online bill pay?

With online banking, you can pay bills electronically from your UMB checking 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
  • No fee for UMB ATM withdrawals
  • Banking alerts
  • Online bill pay
  • Overdraft protection available
  • Automatic transfers
  • Direct deposit
  • Visa® debit card included

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.

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.

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.

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.

5 ways to use your checking account (infographic)

Despite their name, you can do more than simply write checks with a checking account. Today, banking with a checking account can be a foundational element of your banking strategy.

5 ways to use your checking account

Building and optimizing your savings plan

Top six savings tips: Building and optimizing your savings plan

Learning how to save is a critical part of any financial plan. Whether you're looking to reach your first $1,000 or already have a significant rainy-day fund stashed away, many of the savings strategies and tools are the same.

Questions about Your Checking Account? UMB Has Answers.

Start your emergency fund with a UMB savings account.

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Choose the UMB credit card with the rewards you want.

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Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender

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