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 2nd largest bank in the state of Missouri. It is also the 74th largest bank in the nation. It was established in 1902 and as of September of 2020, it had grown to 2,796 employees at 104 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.

Awful Experience

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My HSA account with UMB was a disaster. Their employees are unhelpful and apathetic. I made numerous attempts several years in a row to make deposits and both experiences were a waste of time. I finally moved my balance and was able to make a full year’s deposit at once into HSA BANK. Their customer service was fantastic and easy. Be weary of this bank. They simply do not care about you. By the way...this is the first negative review I have ever posted anywhere...ever. UMB is that bad.

Hidden Fees!

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Had an HSA account for 2 months as UMB was the provider for my new employer. Fortunately we changed from UMB. I happened to review my statement. UMB was charging $2.95/month service charge. I only use HSA for incidental health-related services. Found out that you will be charged this unless your account is over $3K. Cancelled my account, got the form and sent in. THEN found out they charged me $25 to close the account!!! So basically I paid $4.90x2 in service fees and $25 in closing costs for ZERO benefits of using UMB. Supposedly am going to get a response call from a supervisor. Still waiting for that. Avoid this company. They will rip you off!!



Health Grade Components

FDIC Certificate #8273
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD7.19%
Annual Interest Income$600.8MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$30.13B$23.96B
LoansQ3 2020vs Q3 2019$15.75B$12.95B
DepositsQ3 2020vs Q3 2019$24.94B$19.49B
Equity CapitalQ3 2020vs Q3 2019$2.74B$2.28B
Loan Loss AllowanceQ3 2020vs Q3 2019$211.7MM$107.4MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$94.5MM$72.7MM
Real Estate OwnedQ3 2020vs Q3 2019$5.7MM$2.9MM
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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

0.25%*$100k*-UMB Premium Savings Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $75k | 0.20% $75k - $100k
0.06%--UMB Saving

UMB Bank, National Association Money Market Rates

0.25%*$1m*-UMB Daily Investment Money Market
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $75k | 0.20% $75k - $1m


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