UMB Checking Accounts
Open a checking account online today
UMB has convenient checking accounts so you can focus less on your to-do list and more on your bucket list.
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UMB Checking Accounts
Open a checking account online today
UMB has convenient checking accounts so you can focus less on your to-do list and more on your bucket list.
Earns interest
UMB Select Checking®
$1,000 minimum opening deposit | |
Fee waivers and special loan rate discounts | |
Earn interest on your account balance |
Fee waiver options
UMB Value Checking®
$100 minimum opening deposit | |
Monthly service fee waiver options | |
Unlimited deposits and withdrawals |
No monthly service fee
UMB Free Checking
$10 minimum opening deposit | |
No monthly service fee | |
Paper statements included |
Online management
We provide the tools and systems you need to manage your business finances remotely.
Responsive service
Your UMB team is available to answer questions, provide insight and help you select the right financial tools.
Strategic partners
We work to ensure you have the information you need to make informed decisions.
UMB Premium Savings
Earn more
An interest-bearing savings option for those with larger savings balances.
UMB Value Checking
Fuel financial growth
Ready to get started? Open a UMB checking account online today.
UMB Travel Select Credit Card
3X POINTS
And low introductory APR. UMB Travel Select Visa Credit Card
Online management
We provide the tools and systems you need to manage your business finances remotely.
Responsive service
Your UMB team is available to answer questions, provide insight and help you select the right financial tools.
Strategic partners
We work to ensure you have the information you need to make informed decisions.
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UMB Select Checking®¹ |
UMB Value Checking®¹ |
UMB Free Checking¹ |
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Is it right for you? |
The perfect checking account to manage broader financial needs through preferred rates and discounts. |
A checking account option with additional features to fuel financial growth. |
A checking account to help you manage your everyday finances. |
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Minimum opening deposit |
$1,000 |
$100 |
$10 |
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Check features |
No fee for Exclusive checks or 50% discount on non-Exclusive checks ordered through UMB’s preferred check vendor² |
30% discount on non-Exclusive checks ordered through UMB’s preferred check vendor² |
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Monthly service fee |
$20 |
$8 |
No fee |
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Monthly service fee waiver options |
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Ways to Waive Monthly Service Fee (Must satisfy one of these conditions each monthly service charge cycle) |
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N/A |
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Cashier’s checks included |
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Money orders included |
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Special loan rates and loan fee discounts³ |
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Interest paid on balance |
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Paper statements |
Included |
Included |
Included |
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Visa® Debit Card included |
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UMB ATM Withdrawals |
No fee |
No fee |
No fee |
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Non-UMB ATM Withdrawals⁴ |
No UMB fee |
3 with no UMB fee; |
$2 each |
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Online Rates |
N/A |
N/A |
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Application |
Compare
All accounts include
Convenient online account management | |
24-hour service and support | |
One-on-one financial review and assistance | |
Unlimited deposits and withdrawals | |
Mobile app with mobile check deposit | |
No fee for UMB ATM withdrawals |
Banking alerts | |
Online bill pay | |
Overdraft protection available | |
Automatic transfers | |
Direct deposit | |
Visa® Debit Card |
Business vs. Commercial Checking Accounts
The above checking accounts are available for small and medium-sized businesses with features that are suited for businesses with lighter monthly transactions to those that need upgraded banking features. If you are a larger business with higher transactions view our commercial checking options.
Your industry, our focus
Every industry is unique, and we take the time to dive into the details. Our specialized industry teams have deep technical and strategic knowledge of the challenges, needs and trends of their focus areas.
Connect with a commercial banking specialist
There’s no question too large or small, and we’re here to help. Contact us today for more information about the full suite of UMB business banking solutions.
Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender
When you click links marked with the symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.
Connect with a Commercial Banking Specialist
We’re here to listen and help with your questions. With our full suite of commercial banking services, we’ll make sure you have the right solution.
How to bank with us
Access your accounts online or through our app so you can bank from your couch or even the dentist office.
How to bank with us
Access your accounts online or through our app so you can bank from your couch or even the dentist office.
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UMB in the news
Across UMB, our associates are sharing their industry knowledge, earning recognition in their field and helping our customers succeed.
Insights from across our company
From the latest fraud prevention tips and business review strategies to industry trends and economic forecasts, find the know-how you’re looking for with UMB.
More than a century of service
“For more than a century, UMB Bank has delivered comprehensive business banking services and asset management. The foundation of our business is building and maintaining full-service relationships based on our long-standing commitment to trust, integrity and quality.”
– Jim Rine, President and Chief Executive Officer of UMB Bank
Questions? Contact a UMB representative
Paul Williamson
President
Colorado Region
Phone: 303.839.2285
paul.williamson@umb.com
Questions about your Checking Account? UMB has answers.
Which checking account is best for me?
Finding the right checking account is all about features you want. Look for features that make accessing your money easier, whether it’s online banking, ATM and branch locations, or special services like money orders and Cashier’s checks.
What do I need to open a checking account?
Here are a few things you’ll need to open a personal checking account:
- A state-issued ID, driver’s license or learner's permit. If you do not have these forms of identification, please contact a nearby UMB branch for more information about forms of identification accepted in branch.
- Basic personal information, including your birthdate, Social Security Number (SSN) or Tax ID Number (TIN), address and phone number.
- An initial deposit may be required to open the account. Banks usually offer a variety of checking account options with different requirements for initial deposits.
In some situations, you might also need:
- IDs and personal information for other applicants if you want to open a joint account. A joint account is owned by multiple people, so a bank requires information from anyone sharing the account.
- A co-owner or co-signer if you are younger than 18. A parent or legal guardian will need to sign legal documents for the bank.
What are UMB’s consumer banking service fees and charges?
Download or view the UMB Consumer Banking Schedule of Service Fees and Charges.
View UMB’s deposit account agreement
Download or view your Deposit Account Agreement.
View UMB’s Funds Transfer and Payment Order (Wire) Authorization Terms and Conditions
Download or view UMB’s Funds Transfer and Payment Order (Wire) Authorization Terms and Conditions.
An easy way to balance your check book
Download or view the An Easy Way to Balance Your Check Book form.
Overdraft protection services
Your activated TotalCheck Overdraft Protection account operates similarly to a credit card, with a pre-authorized credit limit and an annual percentage rate. TotalCheck Overdraft Protection advances are for the exact amount that the account is overdrawn, bringing the account to a $0 available balance. Subject to credit approval.
*Please see service terms and conditions for more information about the Overdraft Protection service.
TotalCheck Line of Credit Overdraft Protection*
Credit Card Overdraft Protection*
UMB offers Credit Card Overdraft Protection for individuals who have been approved for a UMB credit card and wish to authorize funds to be made available in their checking account up to their available credit limit. Credit Card Overdraft Protection advances occur in $100 increments, up to available credit limit. If available credit limit is less than $100, the available amount will be advanced. Subject to credit approval.
*Please see service terms and conditions for more information about the Overdraft Protection service.
Account-to-Account Transfer Overdraft Protection*
UMB offers Account-to-Account Transfer Overdraft Protection for customers with multiple UMB deposit accounts. If your checking account becomes overdrawn, available balances in your designated savings or money market account will be used to cover the overdraft items.
*Please see service terms and conditions for more information about the Overdraft Protection service.
- Should the checking account be closed or transferred to a nonqualifying product, standard fees will apply.
- Shipping charges may apply.
- Subject to credit and collateral approval. Restrictions apply.
- The institution that owns the non-UMB Bank ATM may also charge an access fee, which cannot be refunded.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government