Short answer: UMB gives three ways to order checks: in UMB online banking, where the order dashboard sits inside your account; online through Deluxe Financial Services, UMB’s check vendor; or at a branch or by phone at 800.860.4UMB (800.860.4862), which UMB recommends for first-time orders or when your information changes. UMB Select Checking gets Exclusive checks at no fee, and UMB Value Checking gets 30% off non-Exclusive checks. UMB’s routing number is 101000695. Or order UMB-compatible checks from a check printer such as Carousel or Checks Unlimited and compare the price.
Order UMB Bank-compatible checks at Checks Unlimited →
Affiliate link: GetBankChecks.com earns a commission if you buy, at no extra cost to you.
| Order through UMB Bank | Order from a check printer | |
|---|---|---|
| Price | No fee for Exclusive checks with Select Checking; 30% off non-Exclusive checks with Value Checking | Carousel Blue Safety: $20.00 for a box of 100. Checks Unlimited Blue Classic: $23.49 for a box of 80 |
| How | Online banking, Deluxe online, a branch or 800.860.4862 | Online with your routing number, account number and starting check number |
On this page
How to order checks from UMB Bank
UMB’s own answer to “How do I order checks?” lists three routes:
UMB Bank logo shown for identification only. GetBankChecks.com is not affiliated with UMB Bank or UMB Financial Corporation.
- Online banking: log in to your UMB account to reach the check order dashboard. UMB’s online banking help covers it under Reordering Checks.
- Deluxe online: order directly through Deluxe Financial Services, Inc., UMB’s check vendor.
- Branch or phone: visit a UMB branch or call 800.860.4UMB (800.860.4862). UMB says this route is best for first-time check orders or information changes. UMB Banking Services hours: Monday to Friday 7 a.m. to 8 p.m. CT, Saturday 8 a.m. to 5 p.m. CT.
Where your numbers are: on a UMB check, the routing number comes first at the bottom, then the check number, then your account number, which is the longer number.
Source: UMB’s own pages, checked October 19, 2026: Contact us, Checking accounts, Online banking help. Menus change, so follow the labels you see.
UMB routing number
| Item | UMB Bank |
|---|---|
| Routing number | 101000695 |
| UMB Banking Services | 800.860.4UMB (800.860.4862) |
From UMB’s Contact us page and checking accounts page, checked October 19, 2026. If you came to UMB from an HTLF bank, copy the routing number printed on your current checks, and ask UMB if you are unsure which number your account uses.
Which UMB accounts get free or discounted checks
| UMB account | Monthly fee | Checks through UMB’s preferred check vendor |
|---|---|---|
| UMB Select Checking | $20, waived with a $5,000 average collected balance, $10,000 in combined deposits or $25,000 in combined deposit and loan balances | No fee for Exclusive checks, or 50% off non-Exclusive checks |
| UMB Value Checking | $8, waived with a $1,500 average collected balance, $3,000 in combined deposits or a $250 direct deposit | 30% off non-Exclusive checks |
| UMB Free Checking | None | No check discount listed |
| UMB Check-Free Banking | $5 | Checks unavailable to order or be processed |
From UMB’s checking account comparison, checked October 19, 2026. Select Checking customers pay nothing for Exclusive checks, so start there; a printer is the way to go when you want a different design or have UMB Free Checking.
Former HTLF banks are now UMB
UMB Financial closed its acquisition of Heartland Financial USA, Inc. (HTLF) on January 31, 2025, growing from eight states to 13 (UMB announcement). HTLF’s banks, including Minnesota Bank & Trust, Wisconsin Bank & Trust, Dubuque Bank & Trust, Illinois Bank & Trust, Bank of Blue Valley, Citywide Banks, Premier Valley Bank, Arizona Bank & Trust, New Mexico Bank & Trust and First Bank & Trust, ran as UMB divisions until the systems conversion. On October 16, 2025 UMB said all former HTLF divisional banks now operate on UMB platforms and under the UMB brand (UMB conversion announcement).
Today UMB has 192 branches and 347 ATMs in Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas and Wisconsin. If your old checks still carry a former HTLF bank name, order new checks through UMB online banking or by phone.
Cheaper option: order UMB-compatible checks online
Your checks don’t have to come from UMB Bank. What makes a check work is the routing, account and check numbers printed in magnetic ink along the bottom, so any U.S. check printer can print them. Checks Unlimited verifies each order against your bank’s records before printing.
UMB lists discounts rather than prices, so compare: start an order in UMB online banking or at Deluxe to see your price, then check it against the printer prices below.
What you need
- Your UMB routing number (101000695, or the bottom left of a current check)
- Your checking account number
- A starting check number higher than your last check
- Your name and address exactly as UMB Bank has them on file
- A current check to copy from (not a deposit slip)
Steps
- Pick a design and quantity (singles are cheapest; duplicates make a carbon copy).
- Enter your routing number, account number, starting check number, name and address.
- Check the preview carefully: printers print exactly what you type.
- Choose shipping (trackable is safer) and pay.
| Check | Quantity and price | Per check |
|---|---|---|
| Carousel Blue Safety | 1 box (100 checks) $20.00; 2 boxes $39.50; 4 boxes $79.00 | about 20¢ |
| Carousel Mountain Lake Reflections | 1 box (100 checks) $25.50; 2 boxes $46.00; 4 boxes $92.50 | about 23–26¢ |
| Checks Unlimited Blue Classic | 1 box (80 checks) $23.49; 2 boxes $38.99; 4 boxes $72.29 | about 23–29¢ |
Single (non-carbon) checks, prices from the merchants’ product pages on October 19, 2026, before shipping and tax. Codes: see our Checks Unlimited coupon codes and Carousel coupon codes, or compare in Cheapest checks 2026.
See Blue Safety checks at Carousel →
Affiliate link: GetBankChecks.com earns a commission if you buy, at no extra cost to you.
Business account? Bank Checks Plus laser checks print on your office printer and work with a UMB Bank business account, or see our business checks guide.
About UMB Bank checks
If you want your UMB Bank checks to look different from the regular ones, consider personalizing them. To order UMB Bank checks from a check printer, give the printer your account number and routing number. After the printer verifies the order, it ships your new stylish UMB Bank checks to your home or office address.
Highly Secured Bank Check Designs to Choose From
When you are ready to order UMB Bank checks, choose the bank check design you want. Go to the “Bank Check Designs” page to see the latest and most popular designs. Categories include Dogs, Beach, Flowers, Seasonal, Scenic, Sports and Patterns. Once you have chosen a design, all that’s left is to order UMB Bank checks with your UMB routing and account numbers.
Security features
Bank and printer checks meet the same banking standards; what differs is the security features you choose and how the box is delivered. Order only through UMB online banking, Deluxe, a UMB branch, 800.860.4862 or a printer site you typed in yourself.
Checks Unlimited lists chemical protection, erasure protection and a microprint signature line on its checks. Its SentryShield check fraud protection is added to orders for an extra charge, and you can remove it in the cart. Choose trackable delivery and keep unused checks locked away.
Delivery time
UMB doesn’t publish a check delivery time on its contact or checking pages; ask when you place the order.
Checks Unlimited: printing and standard delivery take up to 15 business days after order verification, or 7–11 business days with trackable delivery. In-Plant Rush ($6.99) gets your order ready to ship within 2 business days after verification. Carousel lists shipping from Bulk (9–18 business days) to Next Day Air, plus processing time.
Value Priced Personal Checks
Browse hundreds of personal check designs and current deals, from classic and floral to scenic and photo styles, all shipped fast from a trusted printer.
UMB Bank checks: frequently asked questions
How do I order checks from UMB Bank?
Order through UMB online banking (log in to reach the order dashboard), online through Deluxe Financial Services, or at a branch or by phone at 800.860.4UMB (800.860.4862). UMB recommends the branch or phone route for first-time orders or information changes.
Does UMB give free checks?
UMB Select Checking gets no fee for Exclusive checks or 50% off non-Exclusive checks through UMB’s preferred check vendor. UMB Value Checking gets 30% off non-Exclusive checks. Checks are unavailable on UMB Check-Free Banking.
What is the UMB Bank routing number?
UMB lists 101000695 as its routing number. On a UMB check it is the first number at the bottom, followed by the check number and your account number.
My bank was part of HTLF. Is it UMB now?
Yes. UMB closed its acquisition of HTLF on January 31, 2025, and on October 16, 2025 said all former HTLF divisional banks now operate under the UMB brand.
Can I order UMB Bank checks from another company?
Yes. Any U.S. check printer, such as Checks Unlimited or Carousel Checks, can print checks for a UMB Bank checking account using your routing number, account number and starting check number. The printer verifies the details before printing.
How fast will new checks arrive from a printer?
At Checks Unlimited, printing and standard delivery take up to 15 business days after order verification, or 7–11 business days with trackable delivery. In-Plant Rush ($6.99) gets your order ready to ship within 2 business days. Carousel lists shipping from Bulk (9–18 business days) to Next Day Air.
Related guides
- Business checks
- Photo checks
- How to reorder checks online
- Cheapest checks 2026
- All banks and credit unions
Affiliate disclosure: GetBankChecks.com is an independent guide, not a check printer. Some links are affiliate links, and we earn a commission if you buy through them, at no extra cost to you. Prices, codes and designs change, so check them on the merchant’s site before you pay.
