Both my husband and i have bank w/ them for about 15 yrs. They have the worst customer service, they charge crazy fees and they blame everything on the customer. Here is a list of some of the awful things they've done. I went to school w/ girl who had the same first and last name as me only her first name had one letter that was different.
UMB deposited a $15k insurance check i deposited through a teller to the other girls account. They had me going through the run around saying that the check hadn't come in yet or that the insurance company was to blame.
A) i deposited the check myself so the insurance company wasn't involved in that and
B) they told me i was lying when i showed hem the deposit slip. To my husband they have continued to raise fees because his employer only writes a paper check. And even though he's been working for the same company for 6 yrs they still put a 5 day hold on his deposits from the employers paper check because they said they need to verify the funds.
The tellers blame everything on bank policy and make the consumer feel like a criminal.
I've been with umb since I was a junior in highschool...that's 6 years of me staying with them and the ONLY reason I haven't switched sooner was because I don't want to deal with switching but today is the day i'm not doing it ANYMORE. They rob you lets just go with that. I thought I was on overdraft protection but apparently I never signed up??? I still have the paperwork that I signed so I brought it into the bank and they still wouldn't return my money. How do these people live with themselves!???? absolutely horrible. I get it was my mistake not having money in there but whats the point of being signed up for the overdraft protection if i'm not protected. I am cancelling my account this bank on my lunch break.
DO NOT COME HERE. TERRIBLE SERVICE. RUDE AND UNHELPEFUL STAFF. TERRIBLE COMPANY.