Savings Accounts

United Savings

Opening Deposit: $100.00
Service Charge: $10.00 charged each quarter if daily balance falls below $100.00 any day of the quarter.
Per Item Fee: Yes
Interest Bearing: Yes
Opening a United Savings Account is a great way to save for the future.

  • Interest: Earn a competitive variable interest rate subject to change daily on your account balances of $100.00 or more.
  • Statements: Provided monthly if the account has Electronic Funds Transfer(EFT); otherwise, statements are mailed quarterly.
  • Per Item Fees: $1.00 per transfer or withdrawal exceeding 6 per month.
  • No charge for unlimited deposits.
  • Early Closing Charge: $20.00 if closed within 90 days of date opened.
  • Dormant/Inactive Account Information: If there is no activity on your account for 365 days, the account is dormant. A monthly dormant fee of $3.00 will be assessed to your account regardless of the balance.
Please refer to the fee schedule for other fees and charges that may apply. It is located under Resources on the website. 

Christmas Club

Opening Deposit: $10.00
Service Charge: No
Per Item Fee: No
Interest Bearing: Yes

Open a Christmas Club account and be ready for the Holiday season.

ELIGIBILITY REQUIREMENTS:   Deposits to the account are required to be made by Automatic Funds Transfer (AFT) from a UMB deposit account. Principal plus interest is required to be paid by direct deposit into a UMB deposit account annually on the maturity date in October. 

  • Interest: Earn a variable interest rate subject to change at our discretion. Interest will be credited in October. We may change the interest rate on your account daily.
  • Transaction Limitations:  No withdrawals are to be made from the account prior to the annual deposit issuance date. 
  • Early Closing Charge:  $3.00 if closed prior to direct deposit issuance date in October.
  • Dormant/Inactive Account Information:  If there is no activity on your account for 365 days, the account is dormant. A monthly dormant fee of $3.00 will be assessed to your account regardless of the balance.
  • Compounding and Crediting:  Interest will not be compounded and will be credited to another account annually. If you close your account before interest is credited, you will not receive the accrued interest. Principal plus interest will be credited to another UMB deposit account annually in October. 
  • Additional Information Regarding Your Account:  Additional deposits may be made to the account in the branch over the counter, through online banking, mobile app or telephone transfer. There is not a maximum dollar limit on the account balance. After receiving your principal plus interest annually in October, you may use the same Christmas Club account number if a deposit is made by January 15th of the following year. Otherwise, a new account should be opened. 

Please refer to the fee schedule for other fees and charges that may apply. It is located under Resources on the website. 

Personal Money Market

Opening Deposit: $100.00
Service Charge: $10.00 monthly if daily balance falls below $1,000 any day of the month
Per Item Fee: No
Interest Bearing: Yes

One more way to keep your money working for you.

  • Interest: Earn a competitive variable interest rate subject to change daily on your account balance
  • Statements: Provided monthly with check images.
  • No charge for unlimited deposits.
  • Early Closing Charge: $20.00 if closed within 90 days of date opened.
  • Dormant/Inactive Account Information: If there is no activity on your account for 365 days, the account is dormant. A monthly dormant fee of $3.00 will be assessed to your account regardless of the balance.                                   Please refer to the Fee Schedule for other fees and charges that may apply. It is located under Resources on the website.