UMB Bank Review
UMB Bank is a super‑regional bank headquartered in Kansas City, offering commercial banking, wealth management, and specialized payment solutions.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | UMB Classic Checking | No monthly fee |
Savings: | UMB Savings | 15.00% APY |
Credit: | UMB Cash Rewards Visa | 1.5% cash back |
Mortgage: | 30-Year Fixed | 4.00% interest rate |
Fee Rating
3.4/5
Lower is better
FDIC Insured
Yes
Certificate: 101000830
Digital Banking
4.0/5
Online & Mobile Experience
Branch Network
95
Physical Locations
Key Features
- Strong balance sheet; diverse products.
Bank Information
Routing Number
101000830
SWIFT Code
UMBBUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-821-5184
24/7
Headquarters
Kansas City, MO, USA
Years in Business
112 years (Est. 1913)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS, Authenticator
Forgot Password
Reset PasswordSecurity Features
256‑bit SSL; biometrics
Login Instructions
Enter user ID & password → complete 2FA
Login Help
Call customer service: 1-800-821-5184
Hours: 24/7
Products & Services
Accounts & Products
Checking
UMB Classic Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$34
ATM Fee
$3
Savings
UMB Savings
APY
$15.00%
Annual Earnings
$15.00
Compounds
$Daily
Minimum Balance
$500
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
UMB Cash Rewards Visa
Annual Fee
$0
Cash Back
$1.5%
APR Range
$14.74% - 24.74%
Network
$Visa
Mortgage
30-Year Fixed
Interest Rate
$4%
APR
$4.125%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$750,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with UMB Bank?
Visit their website to explore account options and start your application