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UMB Checking Solutions
Checking accounts that take your life into account


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.

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

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® | ||||||||||||
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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 |
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None | ||||||||||||
Interest Paid on Balance | ![]() |
No | No | ||||||||||||
Monthly Statements |
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ATM Withdrawal Fee |
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Fee for Checks Paid | No fee | No fee | 3 with no fee $2 each thereafter |
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Monthly Service Fee | $20 | $8 | $4 | ||||||||||||
Monthly Service Fee Waiver Options (Must satisfy one of these conditions) |
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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
Let's improve your banking experience
Apple Pay is here
Paying with your UMB credit and debit card just got easier

Banking in the digital age

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
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
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.