UMB Bank Promotions: $300 Checking & $200 Referral Bonuses [AZ, CO, IL, KS, MO, NE, OK, TX]

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Contents

1 UMB Bank Promotions Review Below

Promotions and bonus offers from UMB Bank can be found updated here. Typical offers range from $100 to $300.

UMB Bank was established in 1902 and is headquartered in Kansas City, Missouri. They have over 100 locations throughout AZ, CO, IL, KS, MO, NE, OK, TX.

Read more: See bank offers from Chase Bank, U.S. Bank, TD Bank, BMO Harris, and Bank of America.

UMB Bank Promotions Review Below

[Expired] UMB Bank $200 Checking Referral Offer

Update from UMB Bank: UMB will no longer be accepting new customer referrals submitted through the UMB Referral Center as of April 1, 2022.

What you’ll get: $200 referral bonus
Where it’s available: AZ, CO, IL, KS, MO, NE, OK, TX
How to earn it:
- Customers will earn a $200 reward for each new customer they refer to UMB that registers for this referral program at http://umb.royalreferralcenter.com or through the Royal Digital Referral mobile app.
When it expires: 4/1/2022
$200 referral page here
Our referral link for your initial $200 offer. If the link doesn’t show the $200 offer, you may need to ask a friend to register and send you a referral using the referral page link above.

How To Earn The Bonus

Customers will earn a $200 reward for each new customer they refer to UMB that registers for this referral program at http://umb.royalreferralcenter.com or through the Royal Digital Referral mobile app (individually and collectively the “Referral Center”), opens a new UMB Select Checking, UMB Value Checking, or UMB Convenience Checking account, and completes the Transaction Requirements specified on the offer page.
Eligible referred persons will earn a $150 reward for registering for the program through the Referral Center, opening a UMB Select Checking, UMB Value Checking, or UMB Convenience Checking account, and completing the Transaction Requirements described on the offer page.
Be sure to view the offer terms & conditions on the referral page.
The offer requirements at the time of this update are as follows:
- For either party to earn a reward, the Referred Person must open a new UMB Select Checking, UMB Value Checking, or UMB Convenience Checking account within ninety (90) days after the referral email, image, or social media post is generated through the Referral Center.
- For either party to earn a reward, 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).

Waive The Monthly Fee

Convenience Checking has a $4 monthly fee waived with any of the following:

$500 average collected balance in this account
An automatic transfer of $50 or more from this account to a UMB checking, savings, or money market account or UMB loan obligation is made during each monthly service charge cycle
Online Banking transfer of $50 or more to a UMB checking, savings or money market account during each monthly service charge cycle
Online Banking transfer of $50 or more to pay a UMB loan obligation during each monthly service charge cycle

Bottom Line

Worth considering if you’re in a serviceable area. Terms of the offer are a bit confusing. See great bonuses from Chase, Aspiration, Bank of America and more here.

[Expired] UMB Bank $300 Checking Bonus

What you’ll get: $300
Where it’s available: AZ, CO, IL, KS, MO, NE, OK, TX
How to earn it: Open a UMB Value Checking account and complete the following activities:
- 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 funding; and
- Account must remain open for at least 120 days after account funding.
When it expires: 9/30/2021

Learn More at UMB Bank

How To Earn The Bonus

EARNING THE BONUSWAIVE THE MONTHLY FEEFINE PRINT

Open a UMB Value Checking account and complete the following activities:
- 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 funding; and
- Account must remain open for at least 120 days after account funding.

Value Checking: $8 monthly fees, can be waived if you complete any of the following:
- $1,500 average collected balance in this account
- $3,000 in combined deposit balances
- A single direct deposit of $250 or more per month service charge cycle
- Student, under the age of 25

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 the offer page or in-person at a UMB branch, and complete the special offer requirements.
You must present the flyer (from the offer page) 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.
For purposes of this special offer, qualifying direct deposits include recurring ACH deposits of income from third parties, including income from employment, retirement, and government benefits.
It does not include other types of deposits, such as those made at a UMB branch, ATM, or using UMB Online or Mobile Banking.

Bottom Line

Worth considering if you’re in a serviceable area.

[Expired] UMB Bank $500 Checking & Savings Bonus

What you’ll get: $300 Checking & $200 Savings bonus
Where it’s available: AZ, CO, IL, KS, MO, NE, OK, TX
How to earn it:
- New personal checking customers can earn $300 for opening an eligible UMB personal checking account through this offer page, when you complete the following activities within 60 days of account funding:
  - 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.
When it expires: Not listed

Learn More at UMB

How To Earn The Bonus

EARNING THE BONUSWAIVE THE MONTHLY FEE

New personal checking customers can earn $300 for opening an eligible UMB personal checking account through this offer page, when you complete the following activities within 60 days of account funding:
- 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.

Convenience Checking has a $4 monthly fee waived with any of the following:

$500 average collected balance in this account
An automatic transfer of $50 or more from this account to a UMB checking, savings, or money market account or UMB loan obligation is made during each monthly service charge cycle
Online Banking transfer of $50 or more to a UMB checking, savings or money market account during each monthly service charge cycle
Online Banking transfer of $50 or more to pay a UMB loan obligation during each monthly service charge cycle

The Savings account has a $3 Monthly Fee, which is waived with a $100 minimum daily balance.

Read more: See the best bank promotions here and the best investing promotions here.