UMB Bank

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!

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

Worst bank I have ever dealt with. I had a health savings account that was transferred from Anthem Insurance. Every help call did not resolve anything and took more than an hour. My funds were transferred to the wrong bank because I was provided the wrong form by Anthem and it took 4 months to get the money returned. Then I was told they couldn't return excess contributions (which is a requirement of the account) by the fifth person I talked with after I already received the money back credited in the wrong tax year, so I will now be paying thousands in IRS fees. The bank response was that they understood my frustration but wouldn't do anything about it. I am closing my account and never doing business with them again.

"If you want the worst experience, come to UMB" that should be there tag line. First, they send me mail to apply for a credit card (pre-approved). I have an impeccable credit history with a 760+/740+(credit karma/FICO) score. They declined without giving any reason. UMB - Unintentional Money Blunder