APY
0.02%
As of Nov 1, 2026. Rates are variable.
UMB Bank · Checking account
UMB Select Checking
−$240 a year for an everyday customer. $20 a month. $1,000 to open.
- A year, everyday customer
- −$240
- APY
- Receipt · APYChecked Nov 1, 2026
Issuer's page · umb.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer's page · umb.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · umb.com
The source states this figure; we have no exact sentence on file yet.
Features
- Bill pay
- Branch access
- Card lock
- Debit card
- Interest bearing
- Joint accounts
- Minor accounts
- Mobile check deposit
- Online opening
- Overdraft line of credit
- Overdraft protection transfer
- Spending alerts
- Support 24/7
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0 to $999.99
- 0.01%
- $1,000 to $2,499.99
- 0.01%
- $2,500 to $24,999.99
- 0.01%
- $25,000 and up
- 0.02%
The bank’s rates · as of Nov 1, 2026
In the bank’s words
Terms
Fees
- Monthly fee
- $20 a monthumb.com, checked Nov 1, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $5,000 average collected balance in this account
- $10,000 in combined deposit balances
- $25,000 in combined deposit and loan balances
- Minimum to open
- $1,000umb.com, checked Nov 1, 2026
- Out-of-network ATM fee
- Noneumb.com, checked Nov 1, 2026
- Paper statements
- Noneumb.com, checked Nov 1, 2026
Who can open it
- Where
- Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wisconsinlocations.umb.com, checked Nov 1, 2026
- Minimum age
- 18locations.umb.com, checked Nov 1, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money