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Savings Accounts

They say a penny saved is a penny earned. We couldn't agree more. We offer a number of savings accounts that are easy to start, easy to use and make getting to your money a breeze.

Account Types

Savings Solutions UMB Savings UMB Youth Savings UMB Daily Investment Money Market UMB Premium Savings
Minimum Opening Deposit $100 $25 $100 $25,000
Interest Paid on Balance check Yes check Yes check Yes check Yes
ATM/Debit Card Included ATM Card ATM Card Debit Card ATM Card
Transaction Limitations check Yes check Yes check Yes check Yes
ATM Withdrawal Fee
UMB ATM: No fee
Non-UMB ATM1: $2
UMB ATM: No fee
Non-UMB ATM1: $2
UMB ATM: No fee
Non-UMB ATM1: $2
UMB ATM: No fee
Non-UMB ATM1: $2
Monthly Service Fee $3 No fee $10 $25
Monthly Service Fee Waiver Option $100 minimum daily ledger balance Not Applicable $1,000 average collected balance $25,000 minimum daily ledger balance

Savings Account Services

Online, Mobile and Text Banking2

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

24/7 Automated Phone Access

Direct Deposit

Information about deposit accounts is available in UMB Bank's Deposit Account Agreement (called Important Information Regarding Your Deposit Accounts), and information about service fees and charges for deposit accounts is available in the bank's Consumer Banking Schedule of Service Fees and Charges.


1 The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.

2 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.

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Save for a dream vacation

Here are three tips for smart saving that can make your dream vacation a reality

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Save for a specific goal

When it comes to saving, experts suggest being specific on your goal

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Save for a college fund

Saving for college can be a tricky process, but here's help to get you started.

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Pay your bills online. It saves you time and money.

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Protect yourself with these safety tips.