Reviews

This profile includes reviews for UMB Financial Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  UMB Financial Corporation

  1010 Grand Blvd Kansas City, MO 64106-2202

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  UMB Financial Corporation

  16900 Gudgell Rd Independence, MO 64057-1212

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  UMB Financial Corporation

  8442 Wornall Rd Kansas City, MO 64114

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  UMB Financial Corporation

  18909 E 48th St S Independence, MO 64055

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  UMB Financial Corporation

  6400 Independence Ave Kansas City, MO 64125

Review Details

• Review fromWendy P

  Date: 01/03/2025

  1 star
  I applied for the UMB Simply Rewards credit card because of its high rating. My credit score is near perfect, I have 3 credit cards that I use regularly and pay off in full each month. They rejected my application due to excessive revolving credit accounts. I emailed their EVP Shannon J****** asking for more detail. She handed it off to manager of underwriting and he called me. He could not give me any more specifics or a definition of "excessive".
  Come on, you're not Chase or Citibank or Wells Fargo. At this point, I don't even want to deal with them anymore. If you want to reject an application, then ok, but at the very least be much more specific and explain it more clearly.

• Review fromJennifer T

  Date: 11/19/2024

  1 star
  Horrible Service Around Fraud and Disputes! My teenager has an account and debit card with the bank. Recently, she found fraudulent activity on her account and immediately reported it. They blocked her debit card and assured her the charges would be reversed. Now they are telling her no fraud occurred (it did!), and they refuse to reverse the charges. Do not trust this bank! For fraudulent activity, they will not help you and they will not reverse charges. Take your business elsewhere!

• Review fromcatherine s

  Date: 10/28/2024

  1 star
  My company switched from UMB to another HSA carrier, and I received a notice that I still had $883 left in my UMB account to use for my HSA. The first representative told me that I could just order a new card and use the rest of the funds through UMB before using my new HSA account. In order to do that, I had to answer multiple choice questions about myself. One of the questions was how tall I was on my driver's license. The options presented were not correct - I am 5'4" and the closest option was 5'3". I answered every other question correctly but because of that I could not continue and order a card. The rep told me to call back the next day and I probably wouldn't have to go through all of that again and would likely just get a code texted to my phone instead. I waited a week until I called, and the same thing happened. They said my cell phone number "had not been in their system long enough" to warrant a code (I don't even know what that means). So now this rep went through a bunch of questions with me. The first was my height on my driver's license. I immediately stopped her and told her about what happened last time. She said that was a 'glitch' that happened last week and they have since corrected their incorrect answers, so now my height should be one of the correct responses, which it was. After being asked places of employment, education, my eye color, height, etc, I was asked about a car that I owned. They literally were dating back to 2008 and 2010 models of cars. I had a Highlander and a Lexus RX, but I cannot remember what years they were when I purchased them - it's 2024!! And they were used. These cars were in the options provided, so I chose them. Apparently that was wrong and I should have selected none of the above. The last option for a new card was to mail a copy of my SSC and driver's license to them at which point I thought this was a scam b/c no one asks for you to mail that sensitive information in 2024.
  

• Review fromPeter F

  Date: 10/03/2024

  1 star
  They constantly block your debit card or put your account on hold. This for no reason, though the fraud department says there's a reason (but it's only because they can). My personal expereince. I had my debit card constantly blocked for suspicious activity, which it wasn't It was just normal transactions that they deemed suspicious. Finally, I had to cancel my debit card. But then they never sent me a replacement debit card (but they claim I have one on file, but I ever received it). Basically, I haven't had a debit card for months, though I've tried to get a card. Recently, they put a hold on a company check (it was for me to purchase business related supplies). The fraud department refused to release the check for so long that the company finally cancelled it and I lost the job opportunity. Right now, there is a hold on my account for no reason. They cancelled the check but because of the hold on my account I can't access my money, unless I drive several hours and physically go into the bank. So now I have money I can't access. It feels like they enjoy messing with people and keeping them from their money. Worst banking institution ever.

• Review fromGerri D

  Date: 09/27/2024

  1 star
  They need negative star rating. Forced to use as my employer HSA account. These people will STEAL from you, do not close your account take it down to $5.00 and then never use!! Account closure fees are stealing!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

• Review fromJonathan L

  Date: 08/26/2024

  1 star
  My company without any notification rolled our health savings account funds from our previous provider to UMB bank, presumably to save money.
  
  UMB bank's site is notoriously difficult to log into. I just had a new problem with it for like the every-ith time and the women told me that going to the UMB site and selecting to sign into my HSA account took me to the wrong website. I have to go to a different UMB HSA website. Sounds like a scam, right?
  
  Well, it is. My previous HSA account providers have taken $0 in fees. UMB takes fees every single month, plus there are other fees on my account for reasons they can't identify, and - most disturbingly - a recurring fee for receiving my account statement on paper. Not only did I never request an account statement on paper, but the first time I saw this phony fee, I immediately logged in (well, my attempt to log in was immediate, in reality it took quite some time) and selected to receive electronic communications only. Several months later, I noticed I was still receiving paper statements and still being charged for them. Once again, I updated my setting with UMB so I would not receive paper. Once again, they illegally ignored my selection and continued to send paper and charge me for it.
  
  What an awful and dishonest company. I hate that my company chose them as our provider. It makes me feel our benefits are super low-grade.
  
  Amusingly, the only reason I'm thinking of this today is that I'm trying to move my money OUT of this account for like the 5th time. I don't want to do business with this company, but I have little time in the day to weave through their bureaucracy. I already updated my benefits so I will not be using an HSA at all anymore - sure, healthcare savings are nice, but so is working with a company you trust.
  
  I'll be transferring my funds to Fidelity. I'm hoping Fidelity can handle it without me having to communicate or log in at UMB ever again. BBB: Have them return the money they stole from me.

• Review fromMARCOS R

  Date: 06/18/2024

  1 star

  MARCOS R

  Date: 06/18/2024

  First Bank and Trust on 22nd and ******* in ********** has frozen my checking account so that I cannot access funds to pay bills. First ***************************** advised that my account was under fraud review. I arrived at the location and gave them my I.D. and advised them that there was no fraud. I have a VPN on my computer and forgot to turn it off while accessing my account online. While I was at the location advising them that there was no fraud and that I am there in person demonstrating that there is no fraud. They continue to take away my debit card and advised that I am not able to access my account or money for at least 30 days. Then they advised that they will cancel my account. I believe that this is deceptive practices and I am contacting attorneys. This is unacceptable for a bank to treat good customers in this manner. I also believe that it may be race related. I need this resolved as soon as possible.

  UMB Financial Corporation

  Date: 06/26/2024

  I am writing in response to the complaint submitted to the Better Business Bureau (BBB) on June 18, 2024, regarding your concern that First Bank and Trust, a division of HTLF Bank (Bank or we) used deceptive and race driven practices when making the determination to close your deposit account ending in #**** (the Account). We researched your concern and would like to provide you with the following response:
  
  On June 17, 2024, we provided you the Account Restriction Notice that advised that the Account was restricted due to suspicious or unusual activity. You were notified that during this time, it is recommended that all deposits or withdrawals be redirected to a different account. Failure to redirect transactions may result in delayed access to funds, as the Bank may reject further credits or debits to the Account.  I have included this notice for your review. 
  On June 28, 2024, we provided you the Account Closure Notice that advised that we concluded our investigation involving the Account and determined that the Account does not meet the criteria of acceptable account activity and will be closed.  I have included this notice for your review.
  
  ******** takes customer dissatisfaction very seriously, and we are committed to maintaining high standards of service.  We have reviewed your complaint and, respectfully, found no indication of unlawful discrimination or deceptive practices. Furthermore, ******** maintains commercially reasonable controls to detect and prevent fraud.  We have confirmed that no error occurred on the part of the Bank.  Please note, in accordance with our Deposit Account Agreement and Disclosure, we reserve the right to close an account for any reason at any time.  If you have any additional questions, please do not hesitate to reach out to us
  
  

• Review fromJohn G

  Date: 06/06/2024

  1 star
  Shouldn't even rate a single star.
  Worst payment processing.
  Even worse auto pay verification & submission process.
  Account website is an utter joke.

• Review fromCheri L

  Date: 05/21/2024

  1 star
  This is no longer a locally owned bank and it really shows. *** had an account for over 20 years and had a car loan I paid off. I was a charter member and had a free safe deposit box. I have EXCELLENT credit but they screwed up a car loan and then sent me a letter saying it was denied. We are through, how sad.

• Review fromRamiro S

  Date: 04/25/2024

  1 star
  April 23, 2024 On this date I received a letter from New Mexico ***************************** stating I had insufficient funds to cover a purchase.The purchase date on the letter stated it was on 4/15/24. I have a receipt to show the transaction took place and was approved on 4/12/24. The electronic transaction history on my bank statement have wrong dates. A large cash deposit I walked in to my local branch on 4/15/24 was delayed and not placed into my account until the next day. I feel bad for customers who can't navigate through their own finances to figure out something is not right about the financial practices of this bank.