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This is my first bank account. I opened the account when I was 16 years old. I'm now 49 years old. I'm a college graduate, single mom, and CPA. In 2013, I left my career as a CPA and opened my own business. I had a rough go of it initially. UMB Bank has gouged me with fees, held deposits that I made, causing checks to bounce and then charging me more fees and holding more of my deposits. They haven't done anything to help me, and I've been a great customer for many many years. They get 0 stars from me and I'm happily switching banks. Good riddance.
I have used UMB Bank since I moved to Kansas City in 2012. Annually, I get a very large bonus that banks will sometimes put very extended holds on so that in case they are fradulent or returned that I have not already spent the money. It is annoying.
The last time this happened, I just went inside and spoke with the bank manager and he personally handled my hold and reduced the time substantially.
Also, the woman who I set my account up with initially will call me from time to time with special offers on things like home equity loans, etc. And she sends handwritten postcards in the mail.
I really enjoy the personal feel of this banking relationship. Highly recommend!
We have been with UMB Bank for about 18 years. We have never had any problems with
them. They have called us when new programs are available that would specifically
enable us to save money or to earn rewards. For example, their rewards for earning
points by using your debit card as a debit card (as opposed to a credit card) enabled
us to use points to "buy" many of our children's and family's Christmas
gifts this year. We love UMB! They have also been extremely helpful during times when we have lost our debit cards. They cancel them immediately and also act as if they are genuinely sorry that we lost the card. They always look up when our card was last used and let us know so I can feel better if I can tell that we were the last ones to actually use our misplaced card.
My experience at UMB left me with mixed feelings. The people that worked there were fantastic and they do have a rare commodity such as a coin counter. But their fees were outrageous. I was not aware when I opened an account that if it was overdrawn even a penny I would be charged a $30.00 fee. The paperwork to open the account was strenuous and they were unable to give me an ATM card on the spot like I have experienced with other banks. I recently closed my account with UMB after many frustrations, although the tellers were very patient and showed understanding.
Very good local bank. The staff is always helpful and polite. Only real issues would be they don't have as many locations as a major bank like Bank of America. And they are only in a few states so if you plan on moving there is a good chance you will have to find a new bank.