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 moreReady to get started? Open a UMB checking account online today.
Ready to get started? Open a UMB checking account online today.
Quickly and easily manage your UMB checking account with Online Banking and the UMB Mobile Banking app.*
UMB’s one-on-one financial coaching can help you get the most from your banking experience.
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 | |
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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 |
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Ways to Waive Monthly Service Fee (Must satisfy one of these conditions each monthly service charge cycle) |
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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 |
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'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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Start your emergency fund with a UMB savings account.
Choose the UMB credit card with the rewards you want.