Bank accounts

UMB Financial bank accounts complaints

Consumers have filed 446 complaints about UMB Financial's bank accounts, 63 in the last 12 months (+21%). UMB Financial answered 98.4% on time and closed 16% with relief. See the whole UMB Financial record.

UMB Financial against other banks & credit unions

#	Company	12 months	Change	On time	Relief	All time
1	Wells Fargo	10,017	+26%	100%	18%	63,467
2	JPMorgan Chase	9,525	+11%	100%	14%	59,224
3	Bank of America	9,008	+44%	99.3%	42%	61,514
4	Chime	8,327	+80%	99.9%	9%	20,914
5	Capital One	4,339	-43%	100%	7%	23,879
6	Block (Cash App)	3,838	+18%	99.3%	0%	9,390
7	Citibank	3,800	+11%	100%	35%	25,575
8	Navy Federal Credit Union	3,599	-66%	100%	33%	22,207
9	U.S. Bank	2,560	+49%	100%	19%	15,963
10	Truist	2,365	+33%	99.9%	11%	10,420
11	SoFi	2,324	+26%	100%	8%	5,234
12	PNC Bank	2,243	+48%	100%	14%	15,615
13	UMB Financial	63	+21%	98.4%	16%	446

Every bank ranked

Latest UMB Financial bank accounts complaints

Received	About	Issue	State	Answer	On time
Oct 29, 2026	Bank accounts	Managing an accountProblem accessing account	AL	Explained	Yes
Oct 29, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	IL	Money back	Yes
Oct 20, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	IN	In progress	Yes
Oct 20, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	GA	Explained	Yes
Oct 14, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	AZ	Explained	Yes
Oct 14, 2026	Bank accounts	Managing an accountProblem making or receiving payments	KS	Explained	Yes
Oct 12, 2026	Bank accounts	Problem caused by your funds being lowOverdrafts and overdraft fees	AZ	In progress	Yes
Sep 30, 2026	Bank accounts	Managing an accountDeposits and withdrawals	MO	Money back	Yes
Sep 29, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	VA	Money back	Yes
Sep 29, 2026	Bank accounts	Opening an accountUnable to open an account	IL	Explained	Yes
Sep 28, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	CA	Explained	Yes
Sep 16, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	NY	Money back	Yes
Sep 11, 2026	Bank accounts	Closing an accountFees charged for closing account	CA	Explained	Yes
Sep 11, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	IL	Money back	Yes
Sep 5, 2026	Bank accounts	Closing an accountCan't close your account	MO	Explained	Yes
Aug 31, 2026	Bank accounts	Managing an accountDeposits and withdrawals	CO	Explained	Yes
Aug 29, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	MO	Explained	Yes
Aug 27, 2026	Bank accounts	Opening an accountAccount opened without my consent or knowledge	FL	Explained	Yes
Aug 20, 2026	Bank accounts	Managing an accountCashing a check	WA	Explained	Yes
Aug 15, 2026	Bank accounts	Managing an accountCashing a check	WA	Explained	Yes
Aug 7, 2026	Bank accounts	Managing an accountDeposits and withdrawals	FL	Explained	Yes
Aug 6, 2026	Bank accounts	Problem caused by your funds being lowNon-sufficient funds and associated fees	MO	Explained	Yes
Jul 28, 2026	Bank accounts	Managing an accountProblem making or receiving payments	MO	Explained	Yes
Jul 24, 2026	Bank accounts	Managing an accountDeposits and withdrawals	MO	Explained	No
Jul 7, 2026	Bank accounts	Managing an accountProblem accessing account	-	Explained	Yes
Jun 26, 2026	Bank accounts	Managing an accountDeposits and withdrawals	TX	Explained	Yes
Jun 12, 2026	Bank accounts	Managing an accountDeposits and withdrawals	AZ	Money back	Yes
Jun 10, 2026	Bank accounts	Problem caused by your funds being lowOverdrafts and overdraft fees	AZ	Money back	Yes
May 23, 2026	Bank accounts	Managing an accountProblem accessing account	NY	Money back	Yes
May 12, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	FL	Explained	Yes

Your rights with banks & credit unions

For electronic transfers and debit cards, Regulation E gives you 60 days from the statement to report an error or unauthorized transaction; the bank must investigate, generally within 10 business days or give provisional credit while it takes longer. Reporting a lost card quickly limits what you can lose. Deposits at insured banks are protected up to $250,000 by the FDIC (credit unions by the NCUA).

Scam warning: Banks do not ask you to move money to a "safe account", and a bank employee will not ask for your password or one-time code. If a caller says they are from your bank, hang up and call the number on your card.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked 10 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works