UMB Bank, National Association

Headquarters: Kansas City, Missouri
Charter: Bank
Assets: $71.9B
Fed district: Kansas City

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $11.50, the middle of its prices
UMB Bank, National Association: $3 to $20
UMB Bank, National Association: $3 to $20
U.S. median: no median
Overdraft (OD)
UMB Bank, National Association: $36
UMB Bank, National Association: $36
U.S. median: no median
NSF / Returned Item
UMB Bank, National Association: No fee
UMB Bank, National Association: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from UMB Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$3
per month
Monthly Service Fee$20
per month
Close Account within 90 days of establishing$30
Dormant Account Charge 3$5
per month
Inactive Account ChargeNo charge
Account Balancing Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Research of Bank Records Fees$1
per item
Paper Statements$2
per month

Overdraft & NSF

Overdraft Charge 5$36
per item
Insufficient Funds ChargeNo charge
Account-to-Account Transfer Overdraft ProtectionNo charge

ATM & Card

ATM Transaction Fee – outside UMB ATM network$1
per item
Non-UMB ATM Withdrawal$2
per item
Non-UMB ATM Withdrawal Fee$2
per item · First 3 withdrawals per statement cycle are free for Value Checking
Non-UMB ATM Withdrawals$2
per transaction
International Transaction Fee 42%of the transaction

Wire Transfers

Wire Transfer of Funds Fees: Outgoing (Domestic)$30
per item

Check Services

Cashier’s Check Fee$2.50
per item
Money Order Fee$1.50
per item
Stop Payment Request Fee (Domestic)$35
per item
Counter Check Fee$1
per item
Collection Item Fee (Domestic)$20
per item
Foreign Collection Items: UMB Foreign Check Collection Fee$65

Cash & Deposit

Returned Deposited Items Charge (Domestic)No charge

Account Services

Legal Process Charge$35
per item

Other Fees

Duplicate Statement Fee$3

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$3	per month	None
Monthly Service Fee	$20	per month	None
Close Account within 90 days of establishing	$30	Not stated	None
Dormant Account Charge 3	$5	per month	None
Inactive Account Charge	No charge	Not stated	None
Account Balancing Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Research of Bank Records Fees	$1	per item	None
Paper Statements	$2	per month	None
Overdraft & NSF
Overdraft Charge 5	$36	per item	None
Insufficient Funds Charge	No charge	Not stated	None
Account-to-Account Transfer Overdraft Protection	No charge	Not stated	None
ATM & Card
ATM Transaction Fee – outside UMB ATM network	$1	per item	None
Non-UMB ATM Withdrawal	$2	per item	None
Non-UMB ATM Withdrawal Fee	$2	per item	First 3 withdrawals per statement cycle are free for Value Checking
Non-UMB ATM Withdrawals	$2	per transaction	None
International Transaction Fee 4	2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer of Funds Fees: Outgoing (Domestic)	$30	per item	None
Check Services
Cashier’s Check Fee	$2.50	per item	None
Money Order Fee	$1.50	per item	None
Stop Payment Request Fee (Domestic)	$35	per item	None
Counter Check Fee	$1	per item	None
Collection Item Fee (Domestic)	$20	per item	None
Foreign Collection Items: UMB Foreign Check Collection Fee	$65	Not stated	None
Cash & Deposit
Returned Deposited Items Charge (Domestic)	No charge	Not stated	None
Account Services
Legal Process Charge	$35	per item	None
Other Fees
Duplicate Statement Fee	$3	Not stated	None

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when UMB Bank, National Association's monthly maintenance changes in our data

We check once a day and send one email covering every change.