UMB Bank Checking Accounts

I deposited a $500 check in the bank, and the manager acted as if it was stolen. It took nine days to process a $500 check. They told me time and time again that it would be taken care of, and it was not. This is probably the worst bank I've ever dealt with it is so bad that I am going back to a bank 4 hours away from where I'm at they are a joke of a bank and their customer service is not to be believed bad

Horrible bank. Horrible customer service. I was a victim of alleged check fraud. I landed a new job and was given a check to purchase some equipment. The company was a legitimate organization. The bank put a hold on the check, deemed it to be fraudulent, blocked the check, and closed my account. I was the victim of possible fraud, but UMB punished me and closed my account. This cost me a very good job opportunity. And yes, the company was legitimate. I researched them, their website, social media pages, reviews, BBB... the company was/is a real company and the bank overreacted.

I am very unhappy. I switched banks to UMB and it took over 30 days to receive my Visa debit card. When it arrived, I updated my payers with the new credit card information and was immediately flagged as fraud. All I did was update my accounts with my new bank, which is a standard practice. I wasn't even submitting any charges, just updating the credit cards on file. The customer service is the worst. If you call five times, you get five completely different answers to the same question. It seems no one knows anything. And when you call customer service, it feels like I am talking to someone in their living room rather than a professional office or call center. Every bank now offers instant issue debit cards in their branches, but UMB appears to be behind the times, forcing you to wait for snail mail. When you submit a question via secure messages on the website, about 50% of my inquiries never receive an answer or a response. I regret choosing UMB Bank.

I have had multiple issues with trying to transfer money, both digitally and with checks. I experienced fraudulent charges on my debit cards at least twice in the last two years. After the most recent incident, they credited my account, and I closed it as it was the final issue I could tolerate. A week later, they reopened my account with the funds that were previously in there and put me into a negative balance by deducting the closing amount. Each day we called to understand what was happening, we ended up speaking to about 12-15 different people. It has since gone to collections, even though we were told by several customer service representatives that we had time and that they had never seen this type of situation before. I would not recommend them to anyone.

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!

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.

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.

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.

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.

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.