Application Overview

The Application Process
  1. Please provide your personal information so that we can verify your identity and banking history. You can review and correct your application before you submit it.
  2. Next, we ask you to confirm that the information you provided is correct.
  3. You will be prompted to print a "signature card," sign and mail it to UMB with your minimum opening deposit. The opening deposit can be in the form of a check, cashier's check or money order made payable to you and endorsed with your signature and "For Deposit Only."
  4. Once we receive your signature card and opening deposit, we will process your application. Upon approval, we will mail a Welcome to UMB packet to you. It will contain your new account number and information, product disclosures, interest rates if applicable and further instructions for accessing your account. Debit cards, ATM cards and Personal Identification Numbers are sent separately.
  5. Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we verify certain information about you while processing your account application.

Until your account is opened, we will communicate with you via the e-mail address you supply on the application. No account or personal information will be e-mailed to you.

Account Access

With a UMB account, we offer several, convenient ways to access your personal account. When you apply online for an account, you will automatically receive access to your account via UMB Direct (phone banking) and UMB Online Banking (Internet banking). If you are approved for a UMB personal bank account, an Ultra II Visa Check Card or Ultra ATM card application is automatically processed separately for approval. Personalized checks can be ordered online through your Online Banking account or at your nearest UMB banking center.

Additional Products and Services

UMB Bank is proud to offer its customers more than just checking and savings accounts. Along with your new personal account, you may be interested in some of our additional UMB products and services listed below.

Please select one of the following account types to apply for:
Interest Checking (Description) Minimum Opening Deposit: $100.00
Count on More Rewards Checking (Description) Minimum Opening Deposit: $100.00
UMB Checking (Description) Minimum Opening Deposit: $100.00