UMB Bank, National Association


Overview / Commentary
816-860-7930
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's money market rates are 25% higher than the national average, and it has an A 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.

TERRIBLE CUSTOMER SERVICE

Don’t use this joke of a bank for balance transfers or any account if you want customer service.
A Supervisor didn’t offer to assist in anyway shape or form to expedite a payment that had taken 3 weeks to post only to find out on my own that the check had been returned damaged to UMB . She wouldn’t allow me to pay for an overnight check to be sent for this missing payment , this continued delay was causing my credit score to fall 13 points because my balance is over the 30% required to keep my score in check. Her comment on why no payment had been made?? Was that it hadn’t been 14 business days??? What did that matter when the check was returned to UMB? It has been 3 weeks .. and she’s a supervisor? How scary is that? Never will I use this joke of a bank again !

Horrible Customer Service

Posted by: |

My HSA changed to this company and I tried to set up an account, but it told me that my account was locked due to to many attempts. (I only tried once). I called to talk to someone. 91 minute wait. I selected the call me back option and never got a call. HORRIBLE. Clearly they are not able to give support to their customer base.

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Health

Health Grade Components

Overall
FDIC Certificate #8273
Year Established1902
Employees2778
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
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%--UMB Retail Money Market
Locations

Availability



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