UMB Bank Locations in Your Area
UMB Bank has 100 branches in their region. This traditional brick and mortar bank is a growing regional bank that can provide for many more customers, and most likely has ATM locations.
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Learn more about UMB Bank
UMB Bank was established August 1902. That's more than 100 years ago! It holds assets of 30.1 billion US dollars. This is considered a large bank that most likely serves a large portion of their region. A point to consider when choosing a bank is it's health. This bank appears to be healthy. It has a texas ratio of 4%. Lower is better!
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Latest Customer Reviews
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Reviewed By karfla Apr 2, 2020
This Bank is my favorite bank ever, and I'm and young 73 years old.
The people, even officers are very friendly, always. They make you feel like you are close friends. A major point is if your bank account has money that becomes stagnant, it is normal for them to let you know of a better way to make more money. It is up to you, though. That just happened to me. I have been called when something was not quite right.
I don't remember the circumstance, but they are on our side.Is this review helpful? -
Reviewed By IhateUMBbank Apr 10, 2019
Horrible bank - avoid at all costs
I was forced to have an HSA here as my company's HSA administrator uses this bank. I became ineligible to have an HSA due to becoming a military dependent. When the balance was small, I chose to close the account. UMB charged $25 to close my account. That $25 is on top of the fees I paid just to have an account - no matter how much money I had - they kept charging me a fee.
One way or another this bank will take your money.
Bank anywhere else but here. They are awful!
Is this review helpful? -
Reviewed By adamp Mar 21, 2019
The worst bank in the world
UMB just stole $250 in nonsense fees from my HSA. They just decided to take money out of my account for fees they did not disclose when I opened the account. Seriously, use any other bank. Hold cash. Do not use this bank unless you are fine with them deciding to randomly create fees and take money out of your account.
Is this review helpful?
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Reviewed By MFriedman Jun 20, 2018
Credit Agency Reporting - UMB could provide no documentation of contact attempts
We opened a checking account as a result of a mortgage (which was paid off). It is a checking account that was not used and apparently the service fees drained the account and left us with a balance owed of $35. I received letter from ChexSystems saying that despite several attempts to resolve the issue, they were unable to do so and have reported us to credit agency. I called the Bank and complained, offered to pay the $35 and asked for copies of documentation evidencing these several attempts. There were none. There were no notes in the file, no letters, no logs of phone calls. When I called Chex Systems there was no way to speak with anyone to pay this bill. I was told that this will remain on my credit for 5 years. The money is not the issue, in fact I offered my credit card number over the phone, which they would not take. My issue is that they never contacted me, could not provide documentation of any attempt to contact us, but yet they can ding my credit with no proof. We have wonderful credit, but to receive a threatening letter saying this would impact my ability to open future accounts with other financial institutions without proof of contact of any kind, the fact that the letter provided no means of repayment, their refusal to take a credit card over the phone and the fact that I was told there is no means for me to file a formal complaint is unconscionable.
Is this review helpful? -
Reviewed By Arpsydaisy Apr 29, 2017
IF there were negative stars that would be what I would rate.
They have NEVER NEVER given me a break on anything. I applied to tie my 4k savings accounts to my checking. The paperwork was sent to the branch closes for me to sign on a friday at 4pm.
I go in sign all paperwork was NOT given copies and amazingly NO ONE could find anything, not even the orginal bank down town on GRAND where I opened an account more than. 15 years ago. I cannot wait to move my bank accounts. Never tied my ATM card to my savings but charged me 3 dollars for too many transfers per month only allowed 3 I was told LATER, when I made an online transfer to avoid overdrafts. Then I deposited my paycheck into ATM as bank is closed and the branch doesnt open till 9am. AFTER EVERYONE IS AT WORK! They but a 7 day hold and charged me 36 dollar over draft fee on my automatic withdrawls. Then mailed me a leter in the mail to inform me. HORRIBLE HORRIBLE BANK RUN!Is this review helpful? -
Reviewed By Jeanieshook Apr 15, 2017
Many many reasons
We had been depositing checks from our own bank account at a different bank. Inexplicably they decided to hold on to one of these checks for several days., which is actually a violation of federal law. Federal law states that the bank must make checks available by the second business day following the deposit. (The Board of Governors of the Federal Reserve System Regulations created the Expedited Funds Availability Act (EFAA) Regulation CC: Availability of Funds and Collection of Checks 12 CFR 229. See Section 229.12. The computer portal showed they had the check, but they had not applied it to the balance. They did not apply the check until the 8th business day. And, although they had decided to randomly hold this particular check for so long, they did not inform us or contact us about it. Thus, we had several overdraft fees. I did paperwork to close both accounts that we had. They refused to close the account for which they were holding the check- from my own other bank from my account- a check from myself to myself, but they did agree to close the other and had me fill out paperwork to do so. Lo and behold, they did not close it, but continued adding monthly maintenance fees. Because I had already withdrawn my money on this particular account to make the account balance 0 then, we were over drafted again due to the monthly maintenance fees. So what this means is all this is going to go on my credit report unless I pay up these fees that they cause me themselves. I can't get away from this bank!!!! I did everything I could to add money to the account to avoid this! This kind of thing has happened randomly over the years and they always handle it terribly. And they give no help when we call it on the phone. They always say we have to go down to our specific branch in person. Maybe I wouldn't be so mad if their general concern towards their customers was better. We use the ATM that's in their parking lot several times over several weeks and it never once was cleaned. The keys you had to touch were GROSS! They had black caked stuff on them (the keys were supposed to be white.) When I threw a fit about it, they finally bothered to clean it and gave me excuses as to why they never walked into their own parking lot to clean it. Not only that, but they change their bank operating hours to open a lot later. However, they never bothered to change the sign on the door. Several weeks went by and after waiting for the bank a couple different mornings to open and leaving again, figuring there must be some bank holiday I didn't know about, I finally called to find out what was going on. Apparently, despite having several security cameras watching everyone's every move in the parking lot, they had let their customers stand in the parking lot by the door waiting for the bank to open every morning for several weeks. How were the customers to know? They were looking at the sign on the door.
Is this review helpful?
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Reviewed By Arpsydaisy Apr 29, 2017
IF there were negative stars that would be what I would rate.
They have NEVER NEVER given me a break on anything. I applied to tie my 4k savings accounts to my checking. The paperwork was sent to the branch closes for me to sign on a friday at 4pm.
I go in sign all paperwork was NOT given copies and amazingly NO ONE could find anything, not even the orginal bank down town on GRAND where I opened an account more than. 15 years ago. I cannot wait to move my bank accounts. Never tied my ATM card to my savings but charged me 3 dollars for too many transfers per month only allowed 3 I was told LATER, when I made an online transfer to avoid overdrafts. Then I deposited my paycheck into ATM as bank is closed and the branch doesnt open till 9am. AFTER EVERYONE IS AT WORK! They but a 7 day hold and charged me 36 dollar over draft fee on my automatic withdrawls. Then mailed me a leter in the mail to inform me. HORRIBLE HORRIBLE BANK RUN!Is this review helpful?
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Reviewed By MFriedman Jun 20, 2018
Credit Agency Reporting - UMB could provide no documentation of contact attempts
We opened a checking account as a result of a mortgage (which was paid off). It is a checking account that was not used and apparently the service fees drained the account and left us with a balance owed of $35. I received letter from ChexSystems saying that despite several attempts to resolve the issue, they were unable to do so and have reported us to credit agency. I called the Bank and complained, offered to pay the $35 and asked for copies of documentation evidencing these several attempts. There were none. There were no notes in the file, no letters, no logs of phone calls. When I called Chex Systems there was no way to speak with anyone to pay this bill. I was told that this will remain on my credit for 5 years. The money is not the issue, in fact I offered my credit card number over the phone, which they would not take. My issue is that they never contacted me, could not provide documentation of any attempt to contact us, but yet they can ding my credit with no proof. We have wonderful credit, but to receive a threatening letter saying this would impact my ability to open future accounts with other financial institutions without proof of contact of any kind, the fact that the letter provided no means of repayment, their refusal to take a credit card over the phone and the fact that I was told there is no means for me to file a formal complaint is unconscionable.
Is this review helpful? -
Reviewed By michelle Feb 23, 2013
Mortgage Services
More than once umb mortgages "forget" to send a statement
hoping i would forget to make a payment just to zap a big
fee the next month. Beware.Is this review helpful?
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Reviewed By MFriedman Jun 20, 2018
Credit Agency Reporting - UMB could provide no documentation of contact attempts
We opened a checking account as a result of a mortgage (which was paid off). It is a checking account that was not used and apparently the service fees drained the account and left us with a balance owed of $35. I received letter from ChexSystems saying that despite several attempts to resolve the issue, they were unable to do so and have reported us to credit agency. I called the Bank and complained, offered to pay the $35 and asked for copies of documentation evidencing these several attempts. There were none. There were no notes in the file, no letters, no logs of phone calls. When I called Chex Systems there was no way to speak with anyone to pay this bill. I was told that this will remain on my credit for 5 years. The money is not the issue, in fact I offered my credit card number over the phone, which they would not take. My issue is that they never contacted me, could not provide documentation of any attempt to contact us, but yet they can ding my credit with no proof. We have wonderful credit, but to receive a threatening letter saying this would impact my ability to open future accounts with other financial institutions without proof of contact of any kind, the fact that the letter provided no means of repayment, their refusal to take a credit card over the phone and the fact that I was told there is no means for me to file a formal complaint is unconscionable.
Is this review helpful? -
Reviewed By Jeanieshook Apr 15, 2017
Many many reasons
We had been depositing checks from our own bank account at a different bank. Inexplicably they decided to hold on to one of these checks for several days., which is actually a violation of federal law. Federal law states that the bank must make checks available by the second business day following the deposit. (The Board of Governors of the Federal Reserve System Regulations created the Expedited Funds Availability Act (EFAA) Regulation CC: Availability of Funds and Collection of Checks 12 CFR 229. See Section 229.12. The computer portal showed they had the check, but they had not applied it to the balance. They did not apply the check until the 8th business day. And, although they had decided to randomly hold this particular check for so long, they did not inform us or contact us about it. Thus, we had several overdraft fees. I did paperwork to close both accounts that we had. They refused to close the account for which they were holding the check- from my own other bank from my account- a check from myself to myself, but they did agree to close the other and had me fill out paperwork to do so. Lo and behold, they did not close it, but continued adding monthly maintenance fees. Because I had already withdrawn my money on this particular account to make the account balance 0 then, we were over drafted again due to the monthly maintenance fees. So what this means is all this is going to go on my credit report unless I pay up these fees that they cause me themselves. I can't get away from this bank!!!! I did everything I could to add money to the account to avoid this! This kind of thing has happened randomly over the years and they always handle it terribly. And they give no help when we call it on the phone. They always say we have to go down to our specific branch in person. Maybe I wouldn't be so mad if their general concern towards their customers was better. We use the ATM that's in their parking lot several times over several weeks and it never once was cleaned. The keys you had to touch were GROSS! They had black caked stuff on them (the keys were supposed to be white.) When I threw a fit about it, they finally bothered to clean it and gave me excuses as to why they never walked into their own parking lot to clean it. Not only that, but they change their bank operating hours to open a lot later. However, they never bothered to change the sign on the door. Several weeks went by and after waiting for the bank a couple different mornings to open and leaving again, figuring there must be some bank holiday I didn't know about, I finally called to find out what was going on. Apparently, despite having several security cameras watching everyone's every move in the parking lot, they had let their customers stand in the parking lot by the door waiting for the bank to open every morning for several weeks. How were the customers to know? They were looking at the sign on the door.
Is this review helpful? -
Reviewed By jmw Mar 7, 2016
Worst Bank Ever
I had only dealt with UMB Bank briefly in the past and did not care for there service so did not stay with them long.
Recently my brother died and had his account there. I took my court letter and death certificate and had the account converted to an estate account, made a deposit to it and they printed me counter checks plus a lot of his old bank statements, as I needed to track IRS deposits. They took about an hour filling out paperwork and keying things into the computer. I signed a signature card. I did not get copies mainly because it was not a new account, just changes.
I have been making deposits made out in my name as administrator and paying his bills on-line as he left me his on-line banking info. No problem.
I went in the other day - account changed Sept, I went in March 3rd - to cash a check on the account. Now that I want money out the whole file is missing. No where to be found. They had no signature card for me. Turns out they had no file or paperwork at all. No changes were apparently made in the computer. I kept his account at that bank for specific reasons. I came home to be sure I had no paper copies and went back Sat. The branch I went to now has no Sat lobby hours. So I went to the other branch in town and I thought possibly they sent the file there. They have nothing. So I tried to start over with the changes. She said not the simple need new account because his social security number is still attached to that. OF course, it is. I have the court letter to take it over. She made copies of Letter, Death certificate, and my driver's license and Fed ID I got for estate again. She said she would to talk to legal and call me on Mon. Legal does not open accounts. She would also have a manager call me Mon as well. Around noon after hearing nothing, I went in to just close the account. Took letter and death etc again. Now they decide they cannot accept the court letter because it is more than 90 days old. The Letters are good for several years according to the court. They want a certification from the court that the estate is still open, per their legal dept. OF course it is, they still have his money that I have to collect and distribute. The court does not constantly re-issue letters, never heard of one not being accepted. I called the court and they will for a tiny fee re-issue the letter. So now I have to wait on the mail back and forth to settle. How does a bank just lose all the paperwork and everything keyed into the computer? Totally unacceptable. Also on one of my trips I heard a teller tell a drive through customer she could not find his account. Eventually she did. I sent a complaint through customer service, of course no response to that either. All the most untrained, incompetent people ever. Including their legal dept because the letter is still good and they should know that. It has been quite a year yet. How do I know someone did not take my information home as is using it? I have checked my credit reports and bank accounts. At the moment all ok. Once this is settled Never Ever will I step into a UMB Bank again. IF you know anyone who uses them - tell them to get out fast.Is this review helpful?
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Reviewed By jmw Mar 7, 2016
Worst Bank Ever
I had only dealt with UMB Bank briefly in the past and did not care for there service so did not stay with them long.
Recently my brother died and had his account there. I took my court letter and death certificate and had the account converted to an estate account, made a deposit to it and they printed me counter checks plus a lot of his old bank statements, as I needed to track IRS deposits. They took about an hour filling out paperwork and keying things into the computer. I signed a signature card. I did not get copies mainly because it was not a new account, just changes.
I have been making deposits made out in my name as administrator and paying his bills on-line as he left me his on-line banking info. No problem.
I went in the other day - account changed Sept, I went in March 3rd - to cash a check on the account. Now that I want money out the whole file is missing. No where to be found. They had no signature card for me. Turns out they had no file or paperwork at all. No changes were apparently made in the computer. I kept his account at that bank for specific reasons. I came home to be sure I had no paper copies and went back Sat. The branch I went to now has no Sat lobby hours. So I went to the other branch in town and I thought possibly they sent the file there. They have nothing. So I tried to start over with the changes. She said not the simple need new account because his social security number is still attached to that. OF course, it is. I have the court letter to take it over. She made copies of Letter, Death certificate, and my driver's license and Fed ID I got for estate again. She said she would to talk to legal and call me on Mon. Legal does not open accounts. She would also have a manager call me Mon as well. Around noon after hearing nothing, I went in to just close the account. Took letter and death etc again. Now they decide they cannot accept the court letter because it is more than 90 days old. The Letters are good for several years according to the court. They want a certification from the court that the estate is still open, per their legal dept. OF course it is, they still have his money that I have to collect and distribute. The court does not constantly re-issue letters, never heard of one not being accepted. I called the court and they will for a tiny fee re-issue the letter. So now I have to wait on the mail back and forth to settle. How does a bank just lose all the paperwork and everything keyed into the computer? Totally unacceptable. Also on one of my trips I heard a teller tell a drive through customer she could not find his account. Eventually she did. I sent a complaint through customer service, of course no response to that either. All the most untrained, incompetent people ever. Including their legal dept because the letter is still good and they should know that. It has been quite a year yet. How do I know someone did not take my information home as is using it? I have checked my credit reports and bank accounts. At the moment all ok. Once this is settled Never Ever will I step into a UMB Bank again. IF you know anyone who uses them - tell them to get out fast.Is this review helpful? -
Reviewed By eja Jan 31, 2016
Sunday night problem with no one to call
On a sunday night my kids notice we can't get into our account and all our questions have been changed without any notice. I call the tiny number on the back of the card only to find out that I can only talk to a live body monday through saturday during the specific hours. So we are all trying to figure out if we need to go clean out our bank accounts or if someone has done that for us! If you are a criminal make sure you commit your cyber crime after 10 pm on Saturday night through Monday morning. Unreal!
Is this review helpful? -
Reviewed By ellen coady Jul 22, 2015
absolutely worst customer service ever!
I was trying to add to my HSA account and was not able to do it. It took 3 calls and a supervisor to finally find out the reason. They are "like Pay Pal" and will take two test withdrawals before the actual withdrawal can be made. I couldn't find this anywhere on their website, and the agent insisted it was there. And it wasn't so much the issue I was having as the attitude of the UMB representatives and even a supervisor, they really didn't seem to care about my needing to add money to my HSA today. It just was not possible unless I wanted to wire funds and then there would be a charge on both ends, they seemed to happily inform me.
I would suggest UMB invest in customer service training for the direct phone line staff. And I have suggested to Premera to look for another bank to partner with. And no I don't expect either of these companies to really care.Is this review helpful?