UMB BankChecking accountChecked Oct 10, 2026Updated
UMB Select Checking
0.02%APY · as of Oct 10, 2026
- A year for an everyday customer
- −$240 fees and interest, $2,000 kept
- Monthly fee
- $20 a month
- To open
- $1,000 to open
- On our list
- #907 of 986 checking accounts, by a year’s value for an everyday customer
Visit UMBThe bank’s own page · checked Oct 10, 2026
Rates by balance
| Balance | APY |
|---|---|
| $0 to $999.99 | 0.01% |
| $25,000 and up | 0.02% |
Source: the bank’s rates · as of Oct 10, 2026
Fees
- Monthly fee
- $20 a monthSource · checked Oct 10, 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
- $1,000Source · checked Oct 10, 2026
- ATM network
- UMB ATM withdrawals have no UMB fee; non-UMB ATM withdrawals are 3 with no UMB fee and $2 each thereafterSource · 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
Features
Bill payBranch accessCard lockCheck writingDebit cardFree checksInterest bearingJoint 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