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UMB Bank

About UMB Bank

As one of the largest independent banks in America, UMB is fiercely committed to our customers and to ensuring that each and every one of you can count on more. Since our early beginnings in 1913, we’ve provided a wide range of products and services tha

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful UMB Bank Bank Customer Reviews

  •  
    E
    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!

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  •  
    E
    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.

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  •  
    C
    Reviewed By coloradolove Oct 16, 2016

    Charges on charges on charges on charges...

    After accidentally buying two packs of gum and a taco with a near 0 balance in my checking account (oops), I incurred three $40 overdraft fees without warning. I've never over-drafted before and was even under the impression, based on a conversation with a teller, that I didn't have over-draft protection enabled (so the charges would bounce instead of go through).

    As a college student with my finances tied up and no financial support from my parents, these were pretty devastating. I spoke to someone in admin at my local UMB branch about the charges and asked if they could decrease or drop one of the charges given my situation and my history of good behavior. She said no. Didn't work with me at all, just no.

    Now, less than a year after closing & canceling my UMB account, I got a letter in the mail from UMB informing me that I was being charged $50 for a "custodial account fee" for having an inactive account for more than a year. Again, as a college student, this is a pretty big deal.

    1. I specifically asked the lady helping me cancel my UMB account if there was anything else I needed to do be fully finished with UMB, and she told me no. Was that a lie, or did she just not know how to check? Really?
    2. I cancelled my account 10 months before getting this letter, so they charged me preemptively.
    3. I never got any notification or warnings that I was going to get this fee, just the $50 invoice.

    Ent, my current bank, would never pull this shit. UMB simply doesn't care about their customers.

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A