Are you interested in making some extra money? Find the latest UMB Bank promotions, bonuses, and offers here for Checking accounts.
Currently, they are offering a $200 bonus with a new Checking Account.
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About UMB Bank Promotions
UMB Bank offers a wide array of products such as business accounts, money markets, CDs, IRAs, and consumer checking accounts. This bank has 98 branches across multiple states. They have locations in Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, and Texas. However, if you are not in any of these states, check out this list of nationwide bank bonuses for more fitting offers.
- Availability: AZ, CO, IL, KS, MO, NE, OK, TX (Bank Locator)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: None
UMB Bank provides great options for Checking, Savings, Money Market, and CD Account, however, you may want to compare with the nation’s best savings rates and CD rates.
*Compare UMB Bank Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citibank, and more!*
I’ll review the current offers below.
UMB Bank $300 Checking Bonus

$300 Checking Bonus
UMB Bank is offering those who open a UMB Value Checking Account a chance to earn $300 bonus.
- What you’ll get: $300 bonus
- Account Type: UMB Value Checking Account
- Availability: AZ, CO, IL, KS, MO, NE, OK, TX
(Expires September 30, 2021)
For more advanced features in a checking account, compare this offer to BMO Harris PremierTM Account ($350 Bonus), U.S. Bank SmartlyTM Checking ($600 bonus), TD Bank Beyond Checking ($300 Bonus), HSBC Bank Premier Checking ($500 Bonus), Chase Private Client ($2,000 Bonus), and Citigold® Checking Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
- Open a new, UMB Value checking account and complete all qualifying activities to earn $300 bonus:
- Fund the account with the minimum opening deposit of $100; and
- Have qualifying direct deposits totaling $2,000 or more post to the account within 60 days of account funding2; and
- Account must remain open for at least 120 days after account funding.
- Checking account eligibility: All account applications are subject to approval.
- Valid only for new UMB Value Checking accounts.
- Please read account description carefully.
- To be eligible for this special offer, you must apply for the new UMB Value Checking account via the “Apply Now” button on this page or in-person at a UMB branch, and complete the special offer requirements.
- You must present the flyer or mention this special offer when opening a new 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.
- Funds used to establish the account (the “opening deposit”) must not currently be on deposit at UMB and you cannot currently be an owner or co-owner of a UMB personal checking account.
- 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 Value Checking account within 15 days of meeting all applicable special offer requirements.
- Eligibility will be verified prior to paying out the $300.00 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 September 30, 2021.
UMB Bank $200 Referral Bonus

Earn $200 for each qualifying referrals!
Earn $200 bonus credit from UMB Bank when you refer friends or family to open a new Checking account and complete the requirements. Additionally, be sure to review the monthly waiver requirements.’
However, if the referral link does not work, you might need to have a friend or family member refer you.
- What you’ll get: $200 bonus
- Account Type: Checking Account
- Availability: AZ, CO, IL, KS, MO, NE, OK, TX
(No Expiration Date Listed)
You can compare this to several great entry level Checking accounts with bonus offers include the BMO Harris Smart Money™ Account ($200 bonus), U.S. Bank SmartlyTM Checking ($400 bonus), Chase Total Checking® ($200 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How to Earn Bonus
- Customers will earn a $200 reward for each new customer they refer to UMB that registers for this referral program online or through the Royal Digital Referral mobile app
- Additionally, the Referred Person must keep the account open and in good standing for at least sixty (60) days and fulfill each of the following transaction requirements within sixty (60) days after account opening and fulfill each of the following transaction requirements within sixty (60) days after account opening::
- Enroll in UMB Online Banking, set up bill-pay, and make three (3) or more online bill payments; AND
- Receive one (1) direct deposit of at least $250 into the account; AND
- Complete six (6) or more UMB Visa® debit card transactions (excludes ATM withdrawals).
- 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.
- It 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

Earn up to a $500 bonus with a new Checking and Savings Account.
Open a new Checking Account to earn a $300 bonus. Additionally, you can earn a $200 bonus with a Savings Account. In total you can earn up to $500.
- What you’ll get: $500 bonus
- Account Type: Checking & Savings Account
- Availability: AZ, CO, IL, KS, MO, NE, OK, TX
(Expires September 12, 2020)
For more advanced features in a checking account, compare this offer to BMO Harris PremierTM Account ($350 Bonus), U.S. Bank SmartlyTM Checking ($600 bonus), TD Bank Beyond Checking ($300 Bonus), HSBC Bank Premier Checking ($500 Bonus), Chase Private Client ($2,000 Bonus), and Citigold® Checking Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
- Set up a UMB Visa® debit card with your eligible UMB checking account and complete 15 debit card transactions
- Enroll in online banking, set up online bill pay and complete two online bill payments; and
- Have direct deposits totaling $1,000 or more into the account.
- Plus, earn an extra $200 for opening a UMB Savings account within 60 days of opening and funding your eligible UMB personal checking account.
- All account applications are subject to approval.
- 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.
- UMB associates are not eligible for this special offer.
- Bonus will be paid to the eligible UMB checking account within 90 days of account funding.
- The earned special offer will be reported to the IRS as miscellaneous income.
- See a UMB associate for more information.
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
Bottom Line
UMB Bank is a great bank option for new sign-up promotions when it becomes available. There are multiple ways to waive your monthly maintenance fee, so you can keep your money. Additionally, if you already have a UMB Bank account, start referring today. However, be sure to review all the requirements to earn the bonus and the minimum opening deposit.
Furthermore, feel free to comment below and let us know how it went. We value your feedback and will continue to keep you posted on the latest bank offers from UMB Bank. Additionally, be sure to check out UMB Bank savings and money market rates. However, if you are not eligible for this account, be sure to check out our full list of bank promotions.
*Check back for updated UMB Bank promotions, bonuses, and offers.
Old post.
I was denied the $300 bonus because I did not have 2 bill pays, despite this not being listed in the requirements.
The $500 is targeted.
Hi appreciate if you use my link 🙂
https://umb.royalreferralcenter.com/register?token=5ed9645e7026c&via=tw
One banker called the back office to find out about the promotion. Their literature states a $100 bonus instead of $150 bonus for the referred person.
I have called several UMB banks and that have no information regarding this promotion.