1. Referrer must be a current UMB Bank, n.a. ("UMB") customer with a UMB personal checking account and the Referred Person cannot currently have a checking or deposit account at UMB. For either party to earn a reward, the Referred Person must open a new UMB personal checking account and fund the account with the minimum opening deposit (UMB Select Checking - $1,000; UMB Value Checking - $100; UMB Convenience Checking - $100) within ninety (90) days after receiving the referral email or text offer generated through the Referral Center, keep the account open and in good standing for at least sixty (60) days, and fulfill each of the following transaction requirements within sixty (60) days after account opening:
- Enroll in UMB Online Banking, set up bill-pay, and make three (3) or more online bill payments; AND
- Receive one (1) direct deposit of at least $250 into the account; AND
- Complete six (6) or more UMB Visa® debit card transactions (excludes ATM withdrawals).
Employees of UMB Financial Corporation and its subsidiaries are not eligible for this referral offer. Additional restrictions apply. See Referral Program Terms and Conditions for complete program rules and restrictions. Rewards will be deposited in your UMB account within 6-8 weeks after all program requirements have been completed. Rewards may be taxable to you. Please contact your tax advisor with any questions.