UMB BankSavings accountChecked Oct 10, 2026Updated
UMB Savings
0.02%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $2 after fees
- Monthly fee
- $3 a month
- To open
- $100 to open
- On our list
- #176 of 234 savings 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 | 0.02% | $0 |
| $5,000 | 0.02% | $1 |
| $10,000 | 0.02% | $2 |
| $25,000 | 0.02% | $5 |
| $50,000 | 0.02% | $10 |
| $100,000 | 0.02% | $20 |
Fees
- Monthly fee
- $3 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- $100 minimum daily ledger balanceSource · checked Oct 10, 2026
- Minimum to open
- $100Source · checked Oct 10, 2026
- Withdrawals a month
- 6Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $3Source · checked Oct 10, 2026
- Out-of-network ATM fee
- $2Source · checked Oct 10, 2026
Who can open it
Features
Automatic savingsInterest bearingMobile check depositOnline openingSpending 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