Our savings accounts are designed with features and benefits that help you take the next step in your financial journey. Not sure which account is right for you? We are happy to help.
Our savings accounts are designed with features and benefits that help you take the next step in your financial journey. Not sure which account is right for you? We are happy to help.
Find the savings option that makes the most sense for your lifestyle and future goals.
UMB’s one-on-one financial coaching can help you get the most from your banking experience.
Online and mobile banking, phone banking, bill pay, Apple Pay and more – bank however you want to bank with UMB.
Review account details below. If you need assistance, have a UMB banker contact you.
If you need a straightforward savings account that helps you earn interest while achieving your financial goals, try UMB Savings.
This unique account allows you to save funds at a competitive interest rate with some check writing and debit card access.
Our savings account with special rates for those with larger balances.
UMB Savings | UMB Youth Savings | UMB Daily Investment Money Market | UMB Premium Savings | |
---|---|---|---|---|
Is it right for you? | A straightforward savings account to help you reach your goals. | An account opened in the name of a child to help them start financially strong. | An interest-bearing account that provides check and debit card access to balances. | An interest-bearing savings option for those with larger savings balances. |
Monthly Service Fee | $3 | No Fee | $10 | $25 |
Minimum Opening Deposit | $100 | $25 | $100 | $25,000 |
Interest Paid on Balance | ||||
Transaction Limitations | ||||
Debit/ATM Card | ATM Card | ATM Card | Debit Card | ATM Card |
UMB ATM Withdrawal | No Fee | No Fee | No Fee | No Fee |
Non-UMB ATM Withdrawal** | $2 Each | $2 Each | $2 Each | $2 Each |
How to Waive Monthly Service Fee | $100 minimum daily ledger balance | N/A | $1,000 average collected balance | $25,000 minimum daily ledger balance |
Online Rates | View Rates | Contact your local branch | View Rates | View Rates |
Apply now | Open at your local branch | Apply now | Apply now |
**The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.
If you’re interested in an account with a higher interest rate, a time deposit account may be right for you. This type of account locks in the funds for a set period of time with rates that are typically higher than that offered on savings accounts.
Big dreams start small, so help the child in your life start saving money today. This account is designed so that a parent or guardian can establish a savings account in the name of a child. Help the young ones in your life start financially strong.
A savings account helps you reach your financial goals. To find the right savings for you, consider your needs first including how often you plan to withdrawal funds, service and maintenance fees, and how you prefer to access your money.
Yes! A UMB Youth savings account is one way to help a child start a financial foundation. These accounts are opened by a parent or guardian in the name of a child.
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.
The UMB health savings account (HSA) helps you better manage healthcare costs today and in the future with easy access to funds, dedicated customer service, and the tools you need to make the most of your money.