APY on $10,000
0.00%
As of Nov 8, 2026. Rates are variable.
UMB Bank · Money market account
UMB Retail Money Market Account
$0 a year on $10,000 at today’s 0.00% APY. $10 a month. $100 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · umb.com
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $120
- A year
- $0
- APY on $10,000
- Receipt · APYChecked Nov 8, 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 8, 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 8, 2026
Issuer's page · umb.com
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#103of 174 money market accounts, by a year’s value on $10,000
All 174 money market accounts, rankedFeatures
- Automatic savings
- Check writing
- Debit card
- Interest bearing
- Mobile check deposit
- Online opening
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- Any balance
- 0.10%
- $10,000 and up
- 3.86%
- $25,000 and up
- 3.86%
- $50,000 and up
- 3.86%
- $75,000 and up
- 3.86%
- $100,000 and up
- 3.86%
- $1,000,000 and up
- 3.86%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
Fees
- Monthly fee
- $10 a monthumb.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- $1,000 average collected balanceumb.com, checked Nov 8, 2026
- Minimum to open
- $100umb.com, checked Nov 8, 2026
- Withdrawals a month
- 6umb.com, checked Nov 8, 2026
- Fee for each withdrawal over the limit
- $15umb.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2umb.com, checked Nov 8, 2026
Who can open it
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