Personal Checking

Regular Checking

Opening Deposit Service Charge Interest Bearing
$100.00 $7.00 if min. balance falls below $500.00 any day during statement cycle No

If you just need basic checking services, UMB Regular Checking is for you.

  • No per check charge
  • Monthly statement cycle with check images provided
  • Visa ® check/ATM card available
  • Early Closing Charge:  $20.00 if closed within 90 days of date opened.

United Club Checking

Opening Deposit Service Charge Interest Bearing
$100.00 $5.00 Per Statement Cycle No

If you want a checking account that provides something extra United Club Checking is for you.

  • No charge for personalized Club Checks (limit of 200 per order).
  • $10,000 Accidental Death Dismemberment Insurance**
  • $5,000 Identity Fraud Expense Reimbursement Coverage**
  • Credit File Monitoring*
  • Cash Back Member Rewards*
  • Gas/Gift Cards Discounted*
  • No per check charge
  • Monthly statement with check images provided
  • Visa ® check/ATM card available
  • Early Closing Charge:  $20.00 if closed within 90 days of date opened.

    *enrollment required

       ** These products are not FDIC insured.

Senior Citizen

Opening Deposit Service Charge Interest Bearing
$100.00 No Charge No

A special offer for our customers age 62 and over.

  • No per check charge
  • Monthly statement cycle with check images provided
  • Available to individuals age 62 years and over
  • Visa ® check/ATM card available
  • Early Closing Charge:  $20.00 if closed within 90 days of date opened.

Student

Opening Deposit Service Charge Interest Bearing
$50.00 No Charge No

A special account for our customers that are full time students.

  • Available to full-time students registered for at least 12 semester hours
  • No per check charge
  • Monthly statement with check images provided
  • Visa ® check/ATM card available)
  • Early Closing Charge:  $20.00 if closed within 90 days of date opened.

Personal NOW

Opening Deposit Service Charge Interest Bearing
$1000.00 $6.00 if min. balance falls below $1,000 any day during statement cycle Yes

Need a checking account that pays interest the UMB NOW account is for you.

  • Earn a competitive variable rate subject to change daily on your account balances
  • No Minimum Balance to Earn Interest
  • No per check charge
  • Monthly statement with check images provided
  • Available to individuals for personal or consumer purpose and to non-profit organizations
  • Visa ® check/ATM card available
  • Early Closing Charge:  $20.00 if closed within 90 days of date opened.

NetCheck

Opening Deposit Service Charge Interest Bearing
$100.00 No Charge Yes*

If you want a checking account that provides a higher interest rate, NetChek is for you!

Account Benefits:
  • Qualifying Annual Percentage Yield of 2.00% with an interest rate of 1.98% paid on balances up to $15,000.99*
  • 0.25% Annual Percentage Yield with an interest rate of 0.25% paid on portion of balances of $15,001.00 and over*
  • Refund of all ATM fees
  • Earn a competitive rate on your daily balance

*The APY for these interest rate tiers will range from 0.25% to 2.00% depending on the daily balance in the account.

Interest rates are subject to change.

Account Requirements:
  • Have at least 10 Point-of-Sale debit card** purchases post and clear per qualification cycle*
  • Have at least 1 ACH direct deposit or ACH debit post and clear per qualification cycle*
  • Enroll in E-Docs and receive your monthly statement electronically

    *Qualification cycle runs from the 2nd Wednesday of the month through the 2nd Tuesday of the following month. Failure to meet all requirements by the 2nd Tuesday of the month will result in interest being paid at the non-qualifying interest rate of 0.05% and no refund of any ATM fees.
    **Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as Point-of-Sale (POS) transactions count towards qualifying debit card transactions.

When you use a domestic ATM not owned by us, you may be charged a fee by the ATM operator or network. You may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

If you have met your qualifications for the specified qualification cycle, we will reimburse you for all ATM fees associated with a qualification cycle. ATM fee reimbursements will be credited to your account on the Wednesday following the 2nd Tuesday of each month. If you believe that you have not been reimbursed the correct amount, please contact us at (601)445-7000. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.

Early Closing Charge: $20.00 if closed within 90 days of date opened.

Fees may reduce earnings.
NetChek is available to individual or joint account holders.
UMB reserves the right to limit the number of accounts per family.

 

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