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UMB Convenience Checking®

Just need the basics? Managing your money can be simple. 

Sometimes you need a checking account with just the basics. UMB Convenience Checking is designed for people who want to keep it simple while still enjoying convenient features. And all it takes is $100 to open.  Best of all, it's easy to waive the monthly service fee.

Top Features of UMB Convenience Checking

  • Unlimited deposits and withdrawals
  • Access to UMB Online Banking, Mobile Banking and Bill Pay
  • 24/7 phone access to account information
  • Access to hundreds of UMB ATMs across eight states
  • Up to three checks paid each month at no fee, and $2 for each check paid thereafter 
  • No fee for electronic statements, with the option to receive paper statements for $3 each month

UMB Convenience Checking Monthly Service Fee

UMB Convenience Checking has a monthly service fee of $4, which can be waived if one of the below conditions are met.

  • The account has a $500 average collected balance1 during each monthly service charge cycle
  • 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
  • A UMB online banking transfer of $50 or more is made to a UMB checking, savings, or money market account during each monthly service charge cycle
  • A UMB online banking transfer of $50 or more is made to pay a UMB loan obligation during each monthly service charge cycle

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

For more information, please contact us or stop by any UMB banking center to speak with a personal banker.


1The average collected balance is calculated by adding together the balance of items in the account for which the bank has received credit (the collected balance) for each day of the monthly service charge cycle. That balance is then divided by the number of days in the monthly service charge cycle.

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Overdraft Protection

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

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Protect yourself with these safety tips.