Reviews, Latest Offers, Q&A, Customer Service Info (2024)

1 Star Rating

I've experienced nothing but severe problems with UMB regarding a simple checking account since the beginning. They lost $1,000 of my money when I first opened the account, they locked me out of my account and marked my own personal check as fraud, and did not fix it for a week. And now, they have committed an error by draining my account of all funds, totaling over $3,000, for no apparent reason whatsoever. There is no customer service available on weekends. When you do call customer service, they mock your last name. This bank is a disappointment! It's deplorable! They should be held accountable. When I get my money back, I'm switching to a new bank with professional conduct; not this travesty!

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1 Star Rating

I used to love UMB. Then something changed. Their customer service is non-existent, their processes are flawed, and they go out of their way to make any issue a customer faces nearly impossible to solve. On several occasions, they moved transactions so that they would cause an overdraft for a customer, or they blatantly charged inaccurate fees and made you jump through hoops to get them corrected. They would place holds without any notification and give you the runaround on who can or cannot help. Stay away.

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1 Star Rating

You go to a bank with your full trust and when that trust gets broken it's hard to trust banks after the fact. This has been truly a nightmare of a experience since opening the account less than a month ago. Not only were my accounts set up wrong in front of me but the statements printed out after setting up my account do not match what's actually in my accounts. Then getting treated horrible when you call the bank about your concerns with not only your accounts but also the fact that anytime you use your card they put a hold on the card and mark your transaction as fraud so every time I use my own money I then have to call to have my card unlocked. This whole process has been not only a nightmare but just wrong. The way I have been treated because I'm rightfully concerned that this bank is doing whatever they want with my account and I feel as if I have zero control over my own money. I'm now closing my accounts and really I urge everyone to stay firing clear of this place.

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1 Star Rating

Opened my account about a year ago and now I called them about someone getting into my account via the mobile app and they didn't send me the secure access code but let someone login then let someone even add an external account to my account but when I call them they send me a letter saying they are closing my account due to unsatisfactory handling. When I go to the local branch I'm treated like a dog on the street. Then told to contact customer service then customer service said talk to the branch. Now they have my account frozen until August 7,2023 and my SSI CHECK comes in on the first of the month and I can't pay my bills they don't even care.

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1 Star Rating

Have been having issues with debit purchases at Walmart for a month now. They claim this has been an ongoing problem and issued me a new card to rectify the issue. The problem remains with the new card. They claim that it is Walmart's fault but are working on the problem themselves. This is clearly both a Walmart AND a UMB problem and they should be working together to solve it. I think it is safe to say that after over a month with no resolution that they are not. Sad but after 30+ years with UMB I will be moving on. If you don't have access to your money through your bank, what good are they? That is essentially their reason for existing.

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1 Star Rating

Worst banking experience ever. Had my account 6 months, transactions always say pending, double charges at the gas station every time, never happened with any other bank. They decided to close my account for whatever reason, I still am unsure why. First they froze it, then could not give me a good reason why. Then the fraud department said it was because of an outstanding account with another bank witch I don't have. I went in to a branch to speak with some one and the first time I was treated like they didn't care, second time was at a different branch and the teller told me my account was in the process of being closed. I contacted the fraud department and was able to get my funds, then I closed the account before they could. I will never bank with UMB EVER AGAIN (not that they care) and I hope that you wont make the mistake of banking with them either. Had to leave a 1 star rating just to submit this review. Not because I think they deserve a rating that good.

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1 Star Rating

The overdraft fees are ungodly. The app is atrocious. I've asked multiple times to decline charges if there are insufficient funds - or at least pull from my main account - but I guess that isn’t even an option. Everything is inconvenient and outdated. I don't keep much in that account, because I haven't found a single benefit in banking with UMB. I literally just put money in so it doesn’t overdraft. I've kept it open out of convenience because it's a hassle to close and redirect auto-pays, but annoyed enough now to finally close. I've been using Ally for a few years and love it.

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1 Star Rating

Umb bank manipulates deposit posting dates and the order of checks posting in order to maximize overdraft fees or even cause overdraft fees when you have the funds available to withdraw from an ATM as the deposit has soft posted but they wait 4 more days before the deposit hard post to avoid overdraft fees . When you contact them to let them about they say they have reached the limit of how many times they can correct their mistake

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1 Star Rating

I banked with UMB for 30 years and they treated me like crap when my husband died and pulled money out of my account w/o notice or contact! They lied to me over and over and treated me like I was a criminal or something! I couldn’t wait to get my accounts out of their bank as no one should have to put up with this kind of treatment, especially in a difficult time. I also realized when changing banks that they were not paying the interest they should have on an account. I have nothing but discuss for this so called bank!

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1 Star Rating

This is my first bank account. I opened the account when I was 16 years old. I'm now 49 years old. I'm a college graduate, single mom, and CPA. In 2013, I left my career as a CPA and opened my own business. I had a rough go of it initially. UMB Bank has gouged me with fees, held deposits that I made, causing checks to bounce and then charging me more fees and holding more of my deposits. They haven't done anything to help me, and I've been a great customer for many many years. They get 0 stars from me and I'm happily switching banks. Good riddance.

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