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 64th largest bank in the nation. It was established in 1902 and as of June of 2022, it had grown to 2,778 employees at 105 locations. UMB Bank, National Association has an A health rating.

My Experience With Umb Bank

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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!

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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.

What A Disaster.

I was forced to use UMB b/c my former employer set up our HSA through them. They are so difficult and un-fit for the 21st century. I hope my review helps steer companies away from using them for their employees. I was trying to roll over funds to another HSA provider. They alerted me that I needed to liquidate my investments into my HSA account before the transfer can me made. Fine, that's reasonable. But while reviewing my account with me the customer support rep conveniently forgot to mention that I needed to turn off the auto-investment feature - which resulted in the funds being liquidated and transferred into my HSA account but then automatically getting transferred back to investments. Now I need to wait until the funds hit investments, get invested, only to need to manually request another liquidation & transfer. Lost about 2 weeks of my time. What a shitshow.

Worst Experience Ever

Posted by: |

UMB is the WORST HSA provider ever had in my life.
They charge document fee $1.50 for sending a hard copy of statement, your have MANUALLY change your setting online.
They charge standalone fees of $5.5 per month once you leave your company.
They also charge $25 to close your HSA.
Plus once you are changing investments, they also charge $5.5 per trade for just buy and sell your investment.

You get nothing from UMB but a crazy amount of fees.



Health Grade Components

FDIC Certificate #8273
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD14.78%
Annual Interest Income$469.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$37.25B$36.38B
LoansQ2 2022vs Q2 2021$18.81B$16.72B
DepositsQ2 2022vs Q2 2021$31.78B$30.28B
Equity CapitalQ2 2022vs Q2 2021$2.42B$2.94B
Loan Loss AllowanceQ2 2022vs Q2 2021$164.3MM$200.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$21.1MM$58.9MM
Real Estate OwnedQ2 2022vs Q2 2021$12.3MM$1.9MM
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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

0.10%*$50k*-UMB Premium Savings Account
OTHER TIERS: 0.05% Up to $50k
0.02%--UMB Saving

UMB Bank, National Association Money Market Rates

0.10%*$25k*-UMB Retail Money Market
OTHER TIERS: 0.05% Up to $25k


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