Open a UMB Total Checking account with qualifying direct deposit activities.
Open an account New and reopened checking accounts only. Qualifying activities required. See offer details.Open a new UMB Total Checking account with qualifying direct deposit. No monthly fee, no minimum balance.
Get startedNo minimum balance. No monthly fee. Interest compounds monthly. Secure deposits.
See detailsSee how much home you can afford with no impact to your credit score. Rates from 6.49% APR on 30-year fixed.
Get prequalifiedOpen a new UMB Business Complete Checking account with qualifying activities. For new business checking customers only.
Open accountAs a new UMB savings customer, earn our highest available APY with no monthly fees and no minimum balance required. Link directly to your UMB checking account for easy transfers.
Open nowYour deposits are protected with advanced security measures and industry-leading safeguards.
256-bit SSL encryption and multi-factor authentication protect every sign-in and transaction.
Real-time alerts and 24/7 account monitoring help identify and stop suspicious activity quickly.
You are not responsible for unauthorized transactions on your UMB debit or credit card.
Whether you have a question about your account, need help with a transaction, or are ready to apply for a loan, our bankers are available in branch, by phone, and online.
APY = Annual Percentage Yield. Rates are effective as of April 2026 and subject to change without notice. Product availability, terms, and rates may vary based on account type and location. All deposit accounts are subject to approval. Investment products are not federally insured, not bank guaranteed, and may lose value.
Search our help center or speak with a banker directly.
To earn the $300 bonus, open a new UMB Total Checking account and set up qualifying direct deposits totaling $500 or more within 90 days of account opening. The bonus will be deposited into your account within 10 business days after requirements are met. Offer valid for new checking customers only.
Yes, Union Meridian Bank employs industry-leading security measures including 256-bit SSL encryption, multi-factor authentication, 24/7 fraud monitoring, and secure data centers to protect your accounts and personal information.
Our UMB High-Yield Savings account currently offers 4.75% APY with no monthly fees and no minimum balance requirements. Rates are variable and subject to change. Interest is compounded monthly and paid into your account.
Opening an account online typically takes 5-10 minutes. You'll need a valid government-issued ID, Social Security number, and basic personal information. Most accounts are approved instantly, and you can start using your account immediately after funding it.
UMB Total Checking has no monthly maintenance fees and no minimum balance requirements. You'll enjoy free online banking, mobile banking, bill pay, and access to over 40,000 fee-free ATMs nationwide through our network partnerships.
Yes, our mobile banking app is available for iOS and Android devices. You can check balances, transfer funds, deposit checks, pay bills, and manage your accounts 24/7. The app features biometric login, real-time alerts, and secure messaging with our support team.
