The overdraft fees are ungodly. The app is atrocious. I've asked multiple times to decline charges if there are insufficient funds - or at least pull from my main account - but I guess that isn’t even an option. Everything is inconvenient and outdated. I don't keep much in that account, because I haven't found a single benefit in banking with UMB. I literally just put money in so it doesn’t overdraft. I've kept it open out of convenience because it's a hassle to close and redirect auto-pays, but annoyed enough now to finally close. I've been using Ally for a few years and love it.
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Product: UMB Bank Checking
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beattydavid123 @beattydavid123
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1 Star Rating
Umb bank manipulates deposit posting dates and the order of checks posting in order to maximize overdraft fees or even cause overdraft fees when you have the funds available to withdraw from an ATM as the deposit has soft posted but they wait 4 more days before the deposit hard post to avoid overdraft fees . When you contact them to let them about they say they have reached the limit of how many times they can correct their mistake
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Product: UMB Bank Checking
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lostnpaprs @lostnpaprs
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1 Star Rating
I banked with UMB for 30 years and they treated me like crap when my husband died and pulled money out of my account w/o notice or contact! They lied to me over and over and treated me like I was a criminal or something! I couldn’t wait to get my accounts out of their bank as no one should have to put up with this kind of treatment, especially in a difficult time. I also realized when changing banks that they were not paying the interest they should have on an account. I have nothing but discuss for this so called bank!
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Product: UMB Bank Checking
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schallercpa @schallercpa
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1 Star Rating
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.
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Product: UMB Bank Checking
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Angela @angelaagan
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5 Star Rating
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!
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Product: UMB Bank Checking
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Lisa Ross @Spiritstick88
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5 Star Rating
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.
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Product: UMB Bank Checking
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ben paulsen @irishcaveman
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3 Star Rating
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.
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Product: UMB Bank Checking
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Richard Johnson @richard_johnson_90410834
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4 Star Rating
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.
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