What it does
UMB Bank’s app combines checking and savings activity with bill payments and transfers between UMB accounts. Card controls can restrict use, set alerts or enable and disable debit and credit cards. Its account range includes Free Checking without a monthly service charge.
Card controls help with a misplaced card or changes to how it should be used. Restrict its use or disable it in the app, then review account activity and adjust alerts as needed. The same app holds bill payees, check deposits and transfers between UMB accounts.
Match the account to its costs
| Account | Opening deposit | Monthly service fee |
|---|---|---|
| Free Checking | $10 | None |
| Value Checking | $100 | $8 before waivers |
| Select Checking | $1,000 | $20 before waivers |
Free Checking includes paper statements. Value waives its fee with a $1,500 average collected balance, $3,000 in combined deposits or one direct deposit of at least $250 per service-charge cycle. Select’s alternatives are a $5,000 average collected balance, $10,000 in combined deposits or $25,000 in combined deposits and loans.
Apply where you live
Online applicants must be at least 18 and a US citizen or resident alien. UMB lists Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah and Wisconsin as eligible home states for online opening.
Have state identification, your Social Security or tax identification number, birth date, address and phone number ready. Joint applicants provide their own identification. For an applicant under 18, a parent or legal guardian must sign as co-owner or co-signer. The branch route can address identification situations that do not fit the online application.
Strengths
- Card controls can disable use and set alerts
- Free Checking includes paper statements
- Paid checking accounts offer several fee-waiver routes
Watch out for
- Online opening is restricted to listed US states and adult applicants
- Select requires a $1,000 opening deposit
Best for
- UMB customers managing card activity alongside everyday checking
Sources
- UMB Mobile Banking and Card Controls (Oct 27, 2026)
- UMB Checking Comparison: Fees, Deposits and Waivers (Oct 27, 2026)
- UMB Portales Checking Guide: Online Application Eligibility (Oct 27, 2026)