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United Mississippi Bank
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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.
  • Restricted Transactions: You may make no more than 6 pre-authorized withdrawals, automatic telephone transfers, computer transfers, checks, drafts and debit card or other similar transactions from your account per month.
  • Excess Restricted Transactions: An excess of 6 will cause the account to be closed or transferred to a non-interest bearing account.
  • Unrestricted Transactions: An unlimited number of withdrawals or transfers may be made by mail or telephone (when the check is mailed to the depositor) or when made in person or by messenger. Also, an unlimited number of transfers may be made to repay loans and associated expenses at the same institution.
  • 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.

  • 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.
  • Check issued: In October for balance plus credited interest.
  • If you make a deposit by January 15, after receiving your check in October, you may use the same Christmas Club Account Number.
  • Maximum Deposit Amount: $2,500.00.
  • Withdrawals: None until the maturity date.
  • Accounts opened after November 1, 2016 will require that deposits be made by Automatic Funds Transfer (AFT).
  • Early Closing Charge: $3.00 if closed prior to check or 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 be compounded annually and will be credited to the account annually in October. If you close your account before the interest is credited, you will not receive the accrued interest.
  • Additional Information Regarding Your Account: Principal plus interest credited will be paid by check or direct deposit into another UMB checking or savings account annually on the maturity date in October.
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.
  • Minimum Balance to Earn Interest: None
  • Restricted Transactions: You may make no more than 6 pre-authorized withdrawals, automatic telephone transfers, computer transfers, checks, drafts and debit card or other similar transactions from your account per calendar month. 
  • Excess Restricted Transactions: An excess of 6 will cause the account to be closed or transferred to a non-interest bearing account.
  • Unrestricted Transactions: Withdrawals and transfers when made electronically, by mail, by telephone (when the check is mailed to the depositor), or in person or by messenger. Also, an unlimited number of transfers may be made to repay loans and associated expenses at the same institution.
  • 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.