

UMB Bank, a subsidiary of UMB Financial Corporation, provides comprehensive personal banking solutions through 91 banking centers and three wealth management centers across eight states. The foundation of their business is building and maintaining full-service relationships based on their long-standing commitment to integrity and quality. Banking with UMB is convenient with thousands of ATMs across their footprint and online banking options to suit their on-the-go lifestyle.�Their vision is to be recognized for the unparalleled customer experience. Their mission is�to know their customers and anticipate their needs, advocate and advise,�innovate and surprise.
UMB Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 12/18/2020.
707 reviews
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Nick Morris
CEO
Western Paper Distributors




I opened it on 2018, got approved I believe for $6,500. I spent like 350.00
they cancelled my account with out a phone call, an email. that was really low.
I was trying to use my credit card, and come to find out that it was cancelled
when I call the credit department, I was told it was because I have so many credit cards. how ever nothing have changed on my credit report. I owe a 758 credit score, and my credit utilization is 14%. because of them my credit score went down by 10point. Thank you UBM. when it comes to my credit score, I am very serious. this is my email: [email protected]

UMB Bank Offers
UMB Bank Q&A (9 questions)
What's the starting credit limit for the Classic Industries Credit Card?

The starting credit limit for the Classic Industries Credit card is determined based on a number of factors, such as your credit score, credit history and annual income.
Usually credit cards that require good credit for approval have an average credit limit of $7,500.
Even if you're not comfortable with your starting credit limit, you can increase it in time with responsible credit utilization.
But you must keep in mind, that when a credit limit increase is requested and not offered, it could result in a hard inquiry. This will affect your credit score for a short period of time.
What credit score is needed for the QuickTrip Gas Card?

Unfortunately, you can no longer apply for this card. In case you are interested in other cards with gas rewards, you can apply for, click here.
Can I use my QuikTrip Gas Card anywhere?

You can only use your QuikTrip Gas Card in QuickTrip gas stations.
What's their customer support number?

How much are UMB Simply Rewards points worth?

UMB Simply Rewards points are worth 0.88 cents per point, on average. The value of UMB Simply Rewards points depends on how they are redeemed. For example, points from UMB Simply Rewards are worth up to 1 cent each when redeemed for gift cards, cash back or miscellaneous.
UMB Simply Rewards Point Values
Redemption Method |
Average Point Value |
Value of 1,000 Points |
Merchandise |
0.65 cents |
$6.50 |
Cash Back |
1 cent |
$10.00 |
Gift Cards |
1 cent |
$10.00 |
Miscellaneous |
1 cent |
$10.00 |
Tips for Maximizing the Value of UMB Simply Rewards Points
Use this card for bonus rewards categories purchases.
You'll earn the most UMB Simply Rewards points per $1 spent on gas, groceries, discount stores, restaurants and fast food purchases. Maximizing the number of points you earn will ensure that you get the most redemption value possible at the end of the day.
Redeem UMB Simply Rewards points regularly.
UMB Simply Rewards points expire 60 months from the end of the billing cycle in which they're earned.
Redeem points for Cash Back, Gift Cards or Miscellaneous.
UMB Simply Rewards points are worth the most when redeemed for [best redemption method].
Pay your bill in full every month.
The UMB Simply Rewards card's regular APR is high enough to erode your rewards earnings if you carry a balance from month to month.
Keep your account in good standing.
If UMB closes your account because of a failure to pay the bill or fraudulent activity, you'll lose any unredeemed points you have saved. Similarly, any points you don't redeem before closing your account will be lost.