UMB Bank Bonuses: $400 Checking Promotion (AZ, CO, IL, KS, MO, NE, OK, TX)

You will find the latest UMB Bank bonuses, promotions, and offers here.

Right now, you can earn a generous $400 bonus when you open a new checking account.

UMB Bank Bonuses Review

From a storefront bank in Missouri in 1913, UMB Bank has grown to become a diversified financial services holding company with multi-billion dollar assets. With their position of trust and tradition of integrity, their shared mission is to know their customers and anticipate their needs; advocate and advise; innovate and surprise.

I’ll go over the UMB Bank offers below.

UMB Bank $400 Checking Bonus

You can earn up to a $300 bonus when you open a checking account at UMB Bank and complete the qualifying activities.

• What you’ll get: $300 bonus
• Eligible account: Checking Account
• Where it’s available: AZ, CO, IL, KS, MO, NE, OK, TX (Bank Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0-$20; waivable
• How to earn it:
  • Open a qualifying checking account and fund your account with the minimum opening deposit: $1,000 for UMB Select Checking or $100 for UMB Value Checking
  • Set up and have qualifying direct deposits totaling $2,500 or more post to the account within 60 days of account funding
  • Keep your account open for at least 90 days after account funding

(Expires 11/30/2023)

Fine Print

• All account applications are subject to approval. Valid only for new UMB Select Checking or UMB Value Checking accounts.
• Please read account descriptions carefully.
• To be eligible for this special offer, you must apply for your new UMB Select Checking or UMB Value Checking account via the Apply Now buttons on this page, or in-person at a UMB branch and complete the special offer requirements.
• You must present the mailer or mention this special offer when opening a new UMB Select Checking or UMB Value Checking account at a UMB branch.
• Customers who have previously applied for a personal checking account special offer are not eligible for this promotion.
• Accounts not funded by the last day of the first full month following account opening will be closed.
• You must reside in one of the following states to apply for the special offer: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas.
• UMB associates are not eligible for this special offer. Special offer available one time per individual; for accounts with multiple owners, earned special offer will only be paid once.
• Earned special offer will be paid to the eligible UMB Select Checking or UMB Value Checking account within 30 days of meeting all applicable special offer requirements.
• Eligibility will be verified prior to paying out the $400.00 special offer. Earned special offer will be reported to the IRS as interest income.
• Fees and charges may reduce earnings on your account.
• Contact a UMB associate for more information.
• Special offer expires November 30, 2023.

UMB Bank $200 Referral Bonuses (Expired)

You can earn a $200 bonus when you refer a friend to UMB Bank.

• What you’ll get: $200 Bonus
• Eligible account: Checking Account
• Where it’s available: AZ, CO, IL, KS, MO, NE, OK, TX
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0-$20; waivable
• How to earn it:
  • Create an account and log in
  • Use the UMB Bank Referral Center to refer friends and family, and track the progress of your referrals as they open a new qualifying checking account at UMB Bank and fulfill the transaction requirements
  • After your referral opens a qualifying account and fulfills the transaction requirements, you will get $200 deposited directly into your account
  • Additionally, the Referred Person must keep the account open and in good standing for at least 60 days and fulfill each of the following transaction requirements within 60 days after account opening and fulfill each of the following transaction requirements within 60 days after account opening:
    • Enroll in UMB Online Banking, set up bill-pay, and make 3 or more online bill payments
    • Receive 1 direct deposit of at least $250 into the account
    • Complete 6 or more UMB Visa^® debit card transactions (excludes ATM withdrawals)

(Limited time offer)

Fine Print

• This offer may not be combined with other offers and may be changed or discontinued without notice
• Limited time offer
• Restrictions apply
• Personal banking accounts only.
• Does not apply to UMB Benefits Banking or UMB Associate Banking Accounts
• A penalty will be imposed on early withdrawals

(Expired) UMB Bank $500 Checking Savings Bonus

You can earn a $500 bonus when you open a new checking and savings account and complete the qualifying activities.

• What you’ll get: $500 Bonus
• Eligible account: Checking Account
• Where it’s available: AZ, CO, IL, KS, MO, NE, OK, TX
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0-$20; waivable
• How to earn it:
  • Get a $300 checking bonus when you complete the following requirements:
    • Set up a UMB Visa debit card and complete 15 debit card transactions
    • Enroll in online banking and set up online bill pay and complete two online bill payments
    • Have direct deposits totaling $1,000 or more into the account
  • Get a $200 savings bonus when you complete the following requirements:
    • Open new savings account and fund it within 60 days of opening checking account

(Expires 09/12/2021)

Fine Print

• Valid only for new UMB Select Checking, UMB Value Checking, and UMB Convenience Checking accounts established through the online account opening channel.
• To be eligible for the special offer, you must apply for the new qualifying personal checking account at UMB.com/500 and fund the account with the minimum opening deposit.
• Special offer available one time per individual; for accounts with multiple owners, earned special offer will only be paid once.
• Eligibility will be verified prior to the deposit of the special offer.
• Earned special offer will be reported to the IRS as miscellaneous income.

How To Waive Monthly Fees

• UMB Select Checking: $20 monthly fee, waived if one of these conditions is met: $5,000 average collected balance in this account, $10,000 in combined deposit balances, or $25,000 in combined deposit and loan balances
• UMB Value Checking: $8 monthly fee, waived if one of these conditions is met: $1,500 average collected balance in this account, $3,000 in combined deposit balances, or a single direct deposit of $250 or more
• UMB Free Checking: None
• UMB Savings: $3 monthly fee, waivable with $100 minimum daily ledger balance
• UMB Youth Savings: None
• UMB Retail Money Market: $10 monthly fee, waivable with $1,000 average collected balance
• UMB Premium Savings: $25 monthly fee, waivable with $25,000 minimum daily ledger balance

Conclusion

In my opinion, this is a very generous amount for a referral bonus that you should take advantage of if you have a location near you. Additionally, this offer doesn’t have too many pesky requirements and seems fairly easy to qualify.

I would check out a list of our Savings, Money Market, and CD Rates to find other generous promotions you can utilize.

• Best Savings/Money Market rates
• Best CD Account rates

If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.

Don’t hesitate to comment on this post with any questions you may have about UMB Bank, their accounts they offer, or coupon codes.

Check back often for more UMB Bank Bonuses, Promotions, or Offers!