UMB BankMoney market accountChecked Oct 10, 2026Updated
UMB Retail Money Market
3.71%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $371 after fees
- Monthly fee
- $10 a month
- To open
- $25,000 to open
- On our list
- #3 of 152 money market accounts, by a year’s value on $10,000
Visit UMBThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.10% | $1 |
| $5,000 | 0.10% | $5 |
| $10,000 | 3.71% | $371 |
| $25,000 | 3.71% | $928 |
| $50,000 | 3.71% | $1,855 |
| $100,000 | 3.71% | $3,710 |
Rates by balance
| Balance | APY |
|---|---|
| Any balance | 0.10% |
| $10,000 and up | 3.71% |
| $25,000 and up | 3.71% |
| $50,000 and up | 3.71% |
| $75,000 and up | 3.71% |
| $100,000 and up | 3.71% |
| $1,000,000 and up | 3.71% |
Source: the bank’s rates · as of Oct 10, 2026
Fees
- Monthly fee
- $10 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- $1,000 average collected balanceSource · checked Oct 10, 2026
- Minimum to open
- $25,000Source · checked Oct 10, 2026
- Withdrawals a month
- 6Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $15Source · checked Oct 10, 2026
- Out-of-network ATM fee
- $2Source · checked Oct 10, 2026
Who can open it
Features
Automatic savingsCheck writingDebit cardInterest bearingMobile check depositSpending alerts
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