You’ve Got 471 Facebook Friends. You Do the Math.

You could earn $200 when you refer an eligible new customer to UMB who completes the program requirements. The person you refer could earn $150, too!1

Get Started

You’ve Got 471 Facebook Friends. You Do the Math.

Get $200 when you introduce someone to a more rewarding banking experience. They could earn $150, too.1

Get Started

Refer a Friend and get $200! It's simple.

To be eligible to earn the referral reward, the person making the referral must first be a current UMB customer with a UMB personal checking account. Just visit our Referral Center to sign up and refer any friend or family member to UMB. When they open and use a new UMB Bank personal checking account and meet the transaction requirements, you can earn $200. They can earn $150, too.1

How Does It Work?

It’s easy. Sign-up. Refer your friends. Get paid.

Sign Up

Begin by visiting our Referral Center, create your account and login.

Start Referring

Use our Referral Center to start referring friends and family to UMB. Through the Referral Center, you can send referral invitations and conveniently keep track of your referral's progress in the program Referral Stats tab.

Earn Rewards

For either party to earn a reward, the Referred Person cannot currently have a checking or deposit account at UMB and must register for the Program by following the referral link provided in the referral messages you generate through the Referral Center prior to opening their account.

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 (UMB Select Checking; UMB Value Checking; UMB Convenience Checking) 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.