UMB Bank, National Association

Overview / Commentary
1010 Grand Blvd.
Kansas City, MO 64106

UMB Bank, National Association is headquartered in KANSAS CITY and is the largest bank in the state of Missouri. It is also the 55th largest bank in the nation. It was established in 1902 and as of September of 2023, it had grown to 2,838 employees at 103 locations. UMB Bank, National Association's money market rates are 10X the national average, and it has a B+ health rating.

My Experience With Umb Bank

Posted by: |

They are incredibly kind to me. I first had a biz account, and despite the failure of my startupn, they were always respectful, even kind.
I went back to the same neighborhood branch later, and it was like coming home. Perhaps I am better with people I know, but their service has never been less than courteous.
The neat thing about my checking is having the option to choose no overdraft fees, and how they took in my deposit before it came to any problem. They are always good to work with. Maybe online isn't everything.. but my UMB branch has it all together.

Be Aware Of Limitations!

Posted by: |

To setup money market account you must go to local branch, can't do online.

Don't try to setup online banking yourself, have banker do it. VERY easy to get locked out as physical address is used in verification and must be exact. You aren't provided with actual recorded address as banker enters.

Maximum transfer in amount is $10,000 per day AND is not available for 5 business days.

UMB Bank Accounts

Posted by: |

Worst Bank and customer service. Have called 11 times. Today called the lady hung up on me. They have been charging me a few every month 7 months since they took over my account. I have not received anything from them, not even a account number. Yet they charge me.
I asked if they were going to refund me for the last 7months. She said they could do 2 months of refunds.

Would Never Willingly Bank Here.

Posted by: |

They charge you for everything plus offer a whopping .001% interest. Wish my employer used Fidelity for HSA services. I will continue to push our HR dept. to change as these guys suck.



Health Grade Components

FDIC Certificate #8273
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD13.24%
Annual Interest Income$1.34B
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$41.19B$37.31B
LoansQ3 2023vs Q3 2022$22.66B$19.7B
DepositsQ3 2023vs Q3 2022$33.57B$32.01B
Equity CapitalQ3 2023vs Q3 2022$2.84B$2.49B
Loan Loss AllowanceQ3 2023vs Q3 2022$221.5MM$184.9MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$19.9MM$21.9MM
Real Estate OwnedQ3 2023vs Q3 2022$0$68K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UMB Bank, National Association Savings Account Rates

0.55%--UMB Premium Savings Account
0.02%--UMB Saving

UMB Bank, National Association Money Market Rates

4.30%*$10k*-UMB Retail Money Market
OTHER TIERS: 0.10% Up to $10k

UMB Bank, National Association Checking Account Rates

0.02%*$25k*-UMB Select Checking
OTHER TIERS: 0.01% Up to $25k


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