UMB BankChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

UMB Free Checking

$0monthly fee

A year for an everyday customer: $0 fees and interest, $2,000 kept
To open: $10 to open
On our list: #334 of 986 checking accounts, by a year’s value for an everyday customer

Visit UMBThe bank’s own page · checked Oct 10, 2026

Fees

Monthly fee: NoneSource · checked Oct 10, 2026
Minimum to open: $10Source · checked Oct 10, 2026
ATM network: UMB ATM withdrawals have no UMB fee; non-UMB ATM withdrawals are $2 eachSource · checked Oct 10, 2026
Out-of-network ATM fee: $2Source · checked Oct 10, 2026
Paper statements: NoneSource · checked Oct 10, 2026

Who can open it

Where: Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, WisconsinSource · checked Oct 10, 2026
Minimum age: 18Source · checked Oct 10, 2026

Features

Bill payBranch accessCard lockDebit cardJoint accountsMobile check depositMobile walletOnline openingOverdraft line of creditOverdraft protection transferSpending alertsSupport 24/7

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees