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UMB Checking Solutions

Mortgages from UMB

Checking accounts that take your life into account

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We've made it easy for you to
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UMB SELECT CHECKING®

If your goal is to effectively manage your broader financial needs through preferred rates and discounts, UMB Select Checking is the perfect account for you.

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UMB VALUE CHECKING®

Need a few perks to help your money work harder and fuel financial growth? UMB offers UMB Value Checking.

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UMB CONVENIENCE CHECKING®

If you’re looking for a streamlined checking account to simply help manage your day-to-day finances, try UMB Convenience Checking.

Checking Solutions UMB Select Checking® UMB Value Checking® UMB Convenience Checking®
What is it? The perfect account to manage broader financial needs through preferred rates and discounts. A checking option with additional features to fuel financial growth. A checking solution to manage day-to-day financial needs.
Minimum Opening Deposit $1,000 $100 $100
Special Features1
  • No charge for Exclusive Checks or 50% discount on non-Exclusive Checks
  • Cashier's Checks and Money Orders included
  • Annual Rental Fee waived for a small Safe Deposit Box (3" x 5" or smaller) or a 50% discount on a larger size, subject to availability
  • Special Loan Rates and Origination Fee Discounts2
  • Special Deposit Rates
  • 30% discount on non-Exclusive Checks
  • Cashier's Checks and Money Orders included
  • Special Loan Rates and Origination Fee Discounts2
None
Interest Paid on Balance check Yes No No
Monthly Statements
Online: No fee
Paper: No fee
Online: No fee
Paper: No fee
Online: No fee
Paper: $3
No check images included
ATM Withdrawal Fee
UMB ATM: No fee
Non-UMB ATM3: No UMB fee
UMB ATM: No fee
Non-UMB ATM3: 3 with no UMB fee
$2 each thereafter
UMB ATM: No fee
Non-UMB ATM3: $2 each
Fee for Checks Paid No fee No fee 3 with no fee
$2 each thereafter
Monthly Service Fee $20 $8 $4
Monthly Service Fee Waiver Options
(Must satisfy one of these conditions)
  • $5,000 average collected balance in this account
  • $15,000 in combined deposit balances
  • $25,000 in combined deposit and loan balances
  • $30,000 in combined trust balances
  • $30,000 in combined brokerage balances4
  • $1,500 average collected balance in this account
  • $3,000 in combined deposit balances
  • A single direct deposit of $250 or more per monthly service charge cycle
  • Student, under the age of 25
  • $500 average collected balance in this account
  • An automatic transfer of $50 or more from this account to a UMB checking, savings, or money market account or UMB loan obligation is made during each monthly service charge cycle
  • Online Banking transfer of $50 or more to a UMB checking, savings or money market account during each monthly service charge cycle
  • Online Banking transfer of $50 or more to pay a UMB loan obligation during each monthly service charge cycle

Checking Account Services

Online, Mobile and Text Banking5

  • Online bill payment
  • Mobile banking with fraud alerts
  • Mobile check deposit
  • Online statements

24/7 Automated Phone Access

Automatic Transfers

Direct Deposit

Visa® Debit Card

Overdraft Protection Services

  • Account-to-Account Transfer
  • Visa® Credit Card6
  • TotalCheck Line of Credit6

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What does
'financial wellness'
really mean?

Financial wellness influences many aspects of your life, as well as your goals, which is why understanding your financial wellness should be a top priority.

Banking in the digital age

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Mobile Banking

Access your account and do your everyday banking on your mobile device

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Guidance from a Digital Expert

Our Digital Geniuses are trained and certified in helping you sign up and create the perfect digital banking solutions just for you

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Online Banking

Access your UMB checking or savings accounts or pay your bills with online banking

Discover how to make your account work for you.

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Important Information:

1 Should the checking account be closed or transferred to a non-qualifying product, standard fees will apply.

2 Subject to loan approval.

3 Access fees my be charged by the institution that owns the non-UMB Bank ATM. ATM-owner fees cannot be refunded.

4

Securities offered through UMB Financial Services, Inc. member FINRA, SIPC, are:
Not FDIC Insured • No Bank Guarantee • Not a Deposit • Not Insured by any Government Agency • May Lose Value

UMB Financial Services, Inc is a wholly owned subsidiary of UMB Financial Corp. and an affiliate of UMB Bank, n.a.

5 There is no fee to download or use UMB's Mobile Banking services. However, you should consult your mobile carrier about applicable data usage or SMS charges.

6 Subject to credit approval.