UMB

Federal Reserve Board Bank ID:	936855
FDIC Certificate Number:	8273

Accounts offered in the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas.

Savings Accounts

Bank	APY with Direct Deposit	APY without Direct Deposit	Minimum Monthly Direct Deposit	Minimum to open account	Minimum Daily Balance	Maximum Balance eligible for APY	Early Paycheck?
UMB Money Market	3.95%	3.95%		$100.00	$10,000.00			Apply

Cards

Credit Card	Annual Fee	Default Cashback Rate	Foreign Transaction Fee	Introductory APR on Purchases	For	Signup Bonus	If you Spend	In the first
UMB Direct Cash	$0	1.50%	2.00%	0.00%	365 days	$150	$1,500	90 days	Apply
UMB Simply Rewards	$0	1.00%	2.00%	0.00%	365 days	$150	$1,500	90 days	Apply
UMB Travel Select	$0	1.00%	0.00%	0.00%	365 days	$150	$1,500	90 days	Apply

Past Bonus Offers

	Bonus Offer	Monthly Fees	Start Date	End Date	Offer Details
UMB - Value Checking	$400 if you complete direct deposits totaling $2,500.00 or more within 60 days of account opening.	$8.00		Nov 30, 2023	Details

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