UMB Bank

Worst banking experience ever. Had my account 6 months, transactions always say pending, double charges at the gas station every time, never happened with any other bank. They decided to close my account for whatever reason, I still am unsure why. First they froze it, then could not give me a good reason why. Then the fraud department said it was because of an outstanding account with another bank witch I don't have. I went in to a branch to speak with some one and the first time I was treated like they didn't care, second time was at a different branch and the teller told me my account was in the process of being closed. I contacted the fraud department and was able to get my funds, then I closed the account before they could. I will never bank with UMB EVER AGAIN (not that they care) and I hope that you wont make the mistake of banking with them either. Had to leave a 1 star rating just to submit this review. Not because I think they deserve a rating that good.

Excellent credit card service. I've been with them for many years and have always enjoyed a great credit experience with them and no problems whatsoever!

I charged $90.52 on the gas card in ONE month but was billed a total of $209.52 because of their hidden service fees. NOT WORTH IT! They will approve you, charge you a $40 account setup fee, then suspend your account and say it is pending approval. They charge a $2 card whether you use it or not and if you forget to pay the $2, it is a $75 late fee.

Great app needs to be more savings and more cash back although the customer service is grteat. Everytime I call I always get it figured out. I think the app could be updated a little more so its easier and more slick

This is the worst bank that I have dealt with in my whole life. I'm trying to close my HSA account and transfer the funds to the different account for the past three months. I called customer service multiple times, I received misleading answers regarding the account closure, and the funds are still not transferred. What a shame that institutions like this one still exist.

Do not get this card, bad experience with customer service, high charges. Called several times to cancel a card, was told everything that I was canceled and they kept billing month to month for unspecified charges.

I have been a customer for 10 years and no problems with the deposit operations and previously applied and approved for a HELOC IN 2013 after about two to three weeks no problems. Unfortunately, now the process is REALLY CRAZY SLOW. It has taken aprox two months and I just received the request for an appraisal inspection. When I questioned. I was told “I need to realize, they are short staffed” Being a former loan processor, I realize this but that’s way too long to wait to order an appraisal.
Sounds like staff working from home don’t care and lacking.

I have had a credit card with UMB for close to 30 years. The online website changed and I recently went to pay my monthly bill (in full as always). Their “autopay” feature stated it would automatically deduct from my checking account whatever amount I stated on the due date. I set it up to pay the balance in full. Roughly one week AFTER the due date, I noticed the payment had not been made. I called UMB to correct the situation and ask that the late fees be removed at the time. I was told that the first time autopay is used there is a delay- but they agreed to remove the late fees. What they DID NOT tell me was that my new statement balance (which should have been 0)carried over the amount from the previous statement. So- fast forward another month, and I discovered that they continued to pull money out of my checking account THAT I DID NOT OWE to the tune of over $3000. So, now I have a useless credit of over $3k in that account and will wind up with late fees for other bills. I called their customer service line and was told the situation was my fault, there was no sympathy nor apologies made, nothing but somehow them making 2 months of errors was somehow MY FAULT. I have never had a late payment, now I will have a handful. They told me the best they could do was mail me a check for the amount that will take 14 business days to arrive. I agree this USED TO be a good bank. The credit card website is terrible, not user friendly at all and their customer service is atrocious. There are too many good banks out there. Stay away from this one.

Excellent bank to work with! Been my bank of choice for years and never a letdown. Always pay your bills on time and they reward nicely!