UMB Bank, National Association
UMB Bank, National Association is headquartered in Kansas City and is the 2nd largest bank in the state of Missouri. It is also the 79th largest bank in the nation. It was established in 1902 and as of December of 2018, it had grown to 2,815 employees at 106 locations. UMB Bank, National Association has an A health rating.
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My Experience With Umb Bank
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!
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.
Hidden Fees
UBM handles my HSA account through my employer and I cannot change, otherwise I would close the account immediately. They instituted a new fee recently, but instead of sending out a separate notice, they tucked a single sentence about the fee in their boilerplate statement enclosures which no one ever reads. They have refused to credit the fee...I have filed complaint with Attorney General.
Bad Experience With UMB Health Savings Account (HSA)
UMB Bank was VERY slow in processing my HSA account Direct Transfer request to close my account. UMB Healthcare Services took more than 14 days to close my HSA account after receiving my Direct Transfer request. After debiting my HSA account to close it and without giving any interest for the account balance for the current period, UMB took ANOTHER 8 days to print and mail the check with my HSA account balance to my new HSA provider.
Can't believe it took UMB 8 days to print a check after UMB had debited my account and had the money!
I Wish I Could Give Them A Negative Number
do not have an account with this bank. you will be sorry.
Wow Did This Just Happened?
My name is Jan Michel. I walked into a Price Chopper on N. Oak and Vivion Rd. In N. Kansas City. This grocery store has a UMB branch in it. I inquired about opening an account. I had 2 forms of I'D and $500.00 in my pocket to be used to open an account. After waiting for about 15 minutes for an employee of the branch I got greeted. I inquired about an account. The lady replied with this exactly word for word. " We can't open any accounts today anymore because we are too busy." At first I was like haha funny. But was shocked to find out the lady was absolutely 100% serious. With a complete blank mind I just walked away. The bank does not want my money because it is too busy. Ok. OK fine I won't beg. 6:4pm on March 24th of the year 2014
Review For UMB Bank Branch On Battlefield In Springfield, MO
I have had an account at this branch for a little over a year. I have only once had a pleasant and helpful teller. They are very rude. When they explain their reasons for why they can't do a certain transaction, they talk down to you. They left me waiting in the drive thru for 20 minutes without an explanation......all I was doing was a deposit! Will be moving my business to another bank!!
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 8273 |
| Year Established | 1902 |
| Employees | 2815 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.9% |
| Return on Equity - YTD | 10.45% |
| Annual Interest Income | $732.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $23.14B$21.56B |
| Loans | Q4 2018vs Q4 2017 | $12.08B$11.18B |
| Deposits | Q4 2018vs Q4 2017 | $19.49B$18.31B |
| Equity Capital | Q4 2018vs Q4 2017 | $1.93B$1.82B |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $103.6MM$100.6MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $47.6MM$61.1MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $3.3MM$1.5MM |
Always verify rates and promotions with the bank or credit union. We are not UMB Bank, National Association; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.70%* | $25k* | - | UMB Premium Savings Account | ||
| OTHER TIERS: 0.25% → Up to $10k | 0.45% → $10k - $25k | |||||
