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 60th largest bank in the nation. It was established in 1902 and as of March of 2022, it had grown to 2,756 employees at 105 locations. UMB Bank, National Association has a B+ 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.

Worst Experience Ever

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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.

Awful Banking

I use to like this bank, now I hate it. I feel like they double charge me for stuff I’ve already paid for. Then when I call in about my account the only thing they do is review my transactions history, no route cause to the problem. Then once a month I will get a credit out the blue, then the credit goes away and my account is some how negative... To top it off I used they’re mobile direct deposit smh why did I do that, another horrible experience. They send me a email saying hey your deposit was received and approved so I go to check my account they only released $200 of my money!! Then told me I have to wait another day for the rest of my money. At this point I’m over this bank. I will be closing the accounts soon and moving to a different bank!!



Health Grade Components

FDIC Certificate #8273
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD14.71%
Annual Interest Income$221.4MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$40.29B$34.41B
LoansQ1 2022vs Q1 2021$17.55B$16.30B
DepositsQ1 2022vs Q1 2021$34.55B$28.48B
Equity CapitalQ1 2022vs Q1 2021$2.58B$2.81B
Loan Loss AllowanceQ1 2022vs Q1 2021$179.3MM$202.8MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$113.5MM$77.8MM
Real Estate OwnedQ1 2022vs Q1 2021$0$4.7MM
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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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