Fast & Easy
It takes about 10 minutes to apply for a UMB personal bank account. What you will need
Please have the following personal information available for yourself and
Social Security number
Driver's license or other ID such as passport, state ID, or
Mexican Matricula Consular Card
Account numbers from existing bank accounts
Mortgage or auto loan provider name and payment amount (if
UMB uses the highest level of Internet encryption to protect your personal
information as you fill out the application. For more information on how UMB
protects your private information, please review our privacy statement.
For assistance, please call the UMB Customer Service Center at 866-204-3912,
or 816-472-0330 within the Kansas City metropolitan area, Monday - Friday, 7
a.m. - 6:30 p.m. (CT) or Saturday, 8 a.m. - 5 p.m. (CT)
If you are unable to print a document from your computer at the time you
apply, or do not live in one of the seven states we service, you will not be
able to apply online. UMB serves customers in Missouri, Illinois, Arizona,
Colorado, Kansas, Oklahoma, and Nebraska.
The Application Process
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.
Next, we ask you to confirm that the information you provided is
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."
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.
Our bank complies with Section 326 of the USA PATRIOT Act. This law
mandates that we verify certain information about you while processing your
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.
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
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.