UMB Bank

Not the friendliest bank but not the worst either. We use this bank where I work and the nonprofit I volunteer for because it is close by. I got to this location a couple times a month and the tellers are very friendly and personable. They’re quick at making change and generally pleasant. There isn’t typically a line to receive service even though they usually only have one, sometimes two tellers working. Their downfall has been dealing with those at the desks trying to help with the paperwork side of things. They seem quick to judge and didn’t take us as seriously as they should. The downtown branch helped rectify this though. Too bad this one is the closest location and it is only mediocre.
The weirdest part of this business is the layout for parking and using the drive thru. Pay attention to the signs.

This bank, like so many others, makes its money by charging fees.
Lots of mystery, random, surprise fees.
UMB ATMs are few and far between and there’s a non-​reimbursable fee for using anyone else’s of course.
There are very few drive-​through locations, so I tend to come to this location. It’s often jam packed and the service seems quite slow.
I like using the ATM for deposits better, as it’s much faster; but it’s often down for service.
Tellers inside are nice enough. I’ve often been able to get money orders here for no fee. But that seems like it should be the norm when you are an account holder.
This bank is fine. It’s a bank. It meets my basic needs, but I’m leaving it for greener pastures and more benefits that have become more common these days.

HSA Customers Beware! I have had an HSA account for over 10 years through UMB and other banks. I think an HSA account is a great tax deduction to have and a useful tool to track medical expenses and deductibles. However, I have to say that I am terribly disappointed not only in the level of inaccuracy in procedures by UMB staff, but more so in the poor follow up and service response to the bank’s mistakes. I received a 1099 with a total of $ 324.xx, when I paid out over $ 1500.xx in medical expenses for 2014. Most of my 2014 deposits were made by cash at the branch level. When they were processed as a «redeposit» rather than a «deposit» (after a wait of 3 – 6 days) (for a cash deposit, mind you), this threw my total off completely. A deposit is cash. A redeposit is when a vendor/​provider, per se, sends money back into the account for something like an over payment or account credit. In other words, the deposits I made were inaccurately documented as redeposits, thus, throwing my 1099 total down by more than $ 1200 below the accurate amount! What’s worse, and why I’m adding the negative review, is when I called to get this rectified, the first time, I was told I’d hear back from someone within 1 – 2 business days… That was two weeks ago. I went on vacation and now that I’ve returned, and have not heard from anyone still, I called back, as I need to file my tax return, so need this now. The best they can tell me, again, is I need to wait 1 – 2 business days for them to review this, and that they recommend that I not walk in to a UMB branch for these deposits. That I send a deposit by mail… Really? If you can’t trust a bank to handle a cash deposit in hand (for any kind of account), how can you trust a bank at all? Very disappointed and very upset that this has taken so much work… and surely not feeling confident at all it will be accurately resolved or that my deposits will be handled accurately in the future. Poor accuracy, poor customer service response. Really upset UMB customer…

Recently opened anew account. The people working there were Very nice and helpful. Awesome even. I’m definitely pleased by that. What I don’t like is the bank charges people to cash my check there, up to $ 7. This means I write my mom a check from my bank (UMB) she goes to my bank (UMB) and try’s to cash it. They charge my Mom $ 7– I’m not happy about that. The reason why is not everybody can afford this charge. Especially if you make minimum wage and bring home just a few Hundred dollars a week.
UMB I challenge you to change this. I ask that UMB contact me and let me know you have stopped doing this altogether. I’m waiting for an executive or the CEO to contact me and fix this. I will keep you updated when this happens. And will write an updated review.

The people who work here are barely smarter than turnips.

I suppose this is my closest bank. I’ve never actually been inside of it, though. Honestly, who goes INSIDE of a bank anymore, except tellers and bank robbers? God sends my paychecks directly to my bank account, on the steady wings of a unicorn, I think, and when I log into my account, ta-​da, there’s my money.
Why 4 stars, then? Easy. The website is awesome.
It’s like this: I can go to pornography store, purchase pornography, get back on the bus, and if I check my bank account on my mobile device, the pending charge from the pornography emporium is already reflected in my balance. I love the immediacy.
My bank in Chicago was great– the tellers were friendly and compassionate (they’d let smelly hobos hang out in the lobby on exceptionally cold days) but their online banking service was shit. You’d use your debit card to make a purchase and it would sometimes take a week to show up. AND every other debit-​card use in Chicago would incur some mysterious $ 1.00 or $ 1.50 fee, but you never knew when or why it happened.
Basically, you never knew how much money you had.
Well, I know now. At all times. And it’s over 4 figures, baby. That’s right, I’m rolling in it. All thanks to God and his financial unicorns. And the UMB website.
They have ATMs at all Quiktrips, too. If people still used cash, this would be pretty awesome. Come to think of it, old people use cash still, I think.
I’m going to tell everyone I know over the age of 70 (no one) to bank at UMB. Then I’m gonna tell them that I’m a financial wizard and they should sign Power of Attorney documents giving me control of all of their financial affairs. Then I’m going to invest their retirement income wisely, paying attention to all SEC regulations. Hopefully, they will live long, productive and financially rewarding lives.