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Updated August 2026.
How much is UMB Bank’s overdraft fee? UMB Bank charges $36 per item for overdrafts caused by checks, drafts, in-person withdrawals, or electronic payments (not debit card purchases), up to 4 fees a day. There is no fee if the overage is $5 or less. UMB also lists its Insufficient Funds Charge as $0.
| UMB Bank overdraft, at a glance | What it means |
|---|---|
| Overdraft Charge | $36 per item, up to 4 per day |
| No-fee cushion | No fee unless paying the item would overdraw the account by more than $5 |
| Debit card purchases | Not subject to Overdraft Charges. Declined if funds are short |
| Covered transaction types | Checks, drafts, in-person withdrawals, and electronic payment transactions (not debit card) |
| Insufficient Funds Charge | $0 (no charge) |
| Overdraft Protection Line of Credit | $10 per advance for overdrafts greater than $5 |
| Credit Card Overdraft Protection | 3% of the advance for overdrafts greater than $5 (minimum $10, maximum $25) |
| Account-to-account transfer protection | No fee |
| Check-Free Banking | Marketed as a checkless account without overdraft charges |
Fees verified August 30, 2026 from UMB’s Personal Checking Accounts page and UMB Consumer Banking Schedule of Service Fees and Charges (effective July 14, 2025). This is UMB Bank, N.A. (umb.com), not United Mississippi Bank.
How UMB Bank’s overdraft fee works
UMB charges a $36 Overdraft Charge for each check, draft, in-person withdrawal, or electronic payment transaction it pays into overdraft, limited to four charges per day. Debit card transactions are excluded from Overdraft Charges. The fee schedule also lists Insufficient Funds Charge as no charge.
The $5 cushion
UMB will not charge the $36 fee unless paying the item would cause the current balance to be overdrawn by more than $5.
Debit card purchases are not paid into overdraft
UMB’s fee schedule says Overdraft Charges apply to covered transaction types “but not debit card transactions.” If your available balance cannot cover a debit card purchase, UMB declines it rather than paying it into overdraft under that charge.
Overdraft protection options
UMB offers a Consumer Overdraft Protection Line of Credit at $10 per advance for overdrafts greater than $5 (plus interest under the credit agreement). Credit Card Overdraft Protection costs 3% of the advance for overdrafts greater than $5, with a $10 minimum and $25 maximum. Account-to-account transfer overdraft protection has no fee. UMB Check-Free Banking is marketed as a checkless account without the worry of overdraft charges.
How UMB Bank compares to the average U.S. bank
Bankrate’s 2025 checking account and ATM fee study found the average overdraft fee across U.S. banks is $26.77 and the average NSF (non-sufficient funds) fee is $16.82. 61% of accounts surveyed still charge an overdraft fee at all, and 66% offer some kind of grace period or no-fee cushion before charging one.
| Category | UMB Bank |
|---|---|
| Overdraft fee vs. $26.77 average | $36 per item, above the $26.77 average |
| NSF fee vs. $16.82 average | $0 Insufficient Funds Charge on the fee schedule |
How to avoid overdraft fees and mistakes
- Stay inside the $5 cushion on checks and electronic payments to avoid the fee.
- Remember debit card purchases are not paid into overdraft under the Overdraft Charge, so a shortfall there declines.
- Link a savings account for free account-to-account overdraft protection when you qualify.
- Consider the Overdraft Protection Line of Credit for a $10 advance fee instead of the $36 overdraft charge, if approved.
Short before payday? If the alternative is stacking bank fees, a small advance can be cheaper when you qualify and repay on time.
See how to borrow $50 instantly, or compare every option side by side below.
How this compares to other banks
Here is how this account lines up against a few named banks we track, using each bank’s own current fee schedule.
| Bank (typical account) | Overdraft fee | No-fee cushion |
|---|---|---|
| UMB Bank | $36, up to 4/day, checks/ACH (not debit) | $5 cushion, debit card never overdrawn |
| First Citizens Bank | $25, up to 3/day | $5 cushion, no NSF fee |
| Huntington (Asterisk-Free) | $15, up to 3/day | $50 Safety Zone + 24-Hour Grace |
| Chase (Total Checking) | $34, up to 3/day | $50 buffer + Overdraft Assist |
| Ally Bank (Spending Account) | $0, none charged | No cap needed |
See fee details for more banks in our overdraft fees by bank comparison page.
Compare cash advance apps that can cover a shortfall. If you keep landing in overdraft, an app that fronts you a small amount until payday may cost less than repeat bank fees.
FAQ
How much is UMB Bank’s overdraft fee?
UMB charges $36 per item for covered non-debit overdrafts, limited to four charges per day.
Can UMB Bank overdraft my debit card?
Overdraft Charges do not apply to debit card transactions. If funds are short, the purchase is declined.
Is there a cushion before UMB charges an overdraft fee?
Yes. No Overdraft Charge applies unless paying the item would overdraw the account by more than $5.
Does UMB charge an NSF fee?
UMB’s fee schedule lists Insufficient Funds Charge as no charge.
How much does UMB’s Overdraft Protection Line of Credit cost?
$10 per advance for overdrafts greater than $5, subject to credit approval and interest charges.
Is this the Kansas City UMB or United Mississippi Bank?
This guide covers UMB Bank, N.A. (umb.com), part of UMB Financial Corporation. United Mississippi Bank is a different institution.
