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UMB Checking Accounts
Lobby Hours
Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm
Saturday Closed
Sunday Closed
Drive-up Hours
Monday-Friday 8:00am - 5:00pm
Saturday-Sunday Closed
Checking Accounts Options
- UMB Free Checking
- UMB Select Checking
- UMB Value Checking
- UMB Branch
- Checking Accounts
- Savings Accounts
- Mortgage Loans
UMB Bank Checking Accounts
Looking for a checking account to help you manage your everyday finances? Then take control of your financial needs with a checking account from UMB Bank. Our checking accounts give you flexible ways to quickly and easily manage your money with Online Banking and the UMB Mobile Banking app*. Learn more about UMB's checking account optionsto find one that best fits your needs and then apply online or in a branch today.
Checking Accounts
UMB Select Checking®
The perfect checking account to manage broader financial needs through preferred rates and discounts. Plus you can earn interest on your account balance.
UMB Value Checking®
A checking account option with additional features to fuel financial growth and monthly service fee waiver options.
UMB Free Checking
A checking account to help you manage your everyday finances with no monthly service fee.
UMB Bank Customer Reviews
“UMB has been my bank since the early 1960's when I first received my Ferguson Florissant Schools payroll check from them. I highly recommend this bank.”
Donna from O'Fallon, MO
“I love this bank. I hadn't had a bank account for ten years before I came here. Everyone at the front desk is so nice and helpful to me, even when I had fraud happen they responded immediately. Thank you for everything.”
Andy from Denver, CO
“I've been banking with UMB for over four years and I've literally never had a issue with my account. Their customer service is impeccable, and they have helped my partner and me build credit from nothing. In terms of banking, UMB is one of the best Missouri has to offer.”
Jamison from Kansas City, MO
All reviews courtesy of Google
Questions about your Checking Account? UMB has answers.
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.
Can I open a checking account online? +
Yes, you can open a checking account online. Most banks provide a simple and secure online bank account application process. To open a UMB account online, you must:
- Be at least 18 years old.
- Be a U.S. citizen or resident alien.
- Live in Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma or Texas.
- Have a state ID, driver’s license or learner’s permit.
You can get started with UMB today. It takes just a few minutes to apply for and open a UMB personal checking account.
How do I manage my UMB checking account? +
Checking your account regularly is a great way to track your spending habits and financial goals. Here’s how to manage your UMB account:
- Download the UMB mobile banking app for on-the-go account access.
- Visit the UMB mobile banking page to register for online banking, you’ll need your account number and personal information.
- Call 800.860.4UMB (4862) to hear your account balance or speak to a representative at the UMB Service Center. You’ll need to activate your direct banking access the first time you call.
- Stop by the nearest UMB branch or ATM. Have your ID with you, and a UMB personal banker will be happy to help you at a branch. You can also check account balances using your UMB card and PIN at an ATM.
- Enroll in paperless statements through UMB Online Banking to have account statements conveniently emailed to you.
Do UMB checking accounts earn interest? +
Yes, certain checking accounts can earn interest. Interest-bearing checking accounts usually require a higher minimum opening deposit.
If you’d like to earn interest on your account at UMB, consider opening a UMB Select Checking account. This account type also offers access to special loan rate discounts.
If an interest-bearing checking account isn’t right for you, we also offer UMB Value Checking and UMB Free Checking. Find the best fit for you by comparing UMB personal checking account options.
To open an account online or in branch, you must:
- be 18 years old or older
- be a U.S. citizen or U.S. resident alien
- live in one of the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma and Texas
- have a state ID, driver’s license, or learner’s permit. If you do not have these forms of identification, please contact a nearby branch for more information about forms of identification accepted in branch.
*Some restrictions may apply. See the UMB Online Banking Agreement and the UMB Mobile Remote Deposit Terms and Conditions for more information. Consult your mobile carrier about applicable data usage or SMS charges.
