UMB Bank Customer Service

Phone Number & Contact Info

UMB Bank's Best Phone Number

Toll-free·Calls Customer Service·Most popular UMB Bank number

How do I talk to a live human at UMB Bank?

A:Must either enter "last 4 digits of the card number" or Press 3 for "lost/stolen card".

Does UMB Bank offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Thursday, and the most busy day is Monday.

How long will I wait on hold?

A:The average hold time is 2 minutes. The longest hold times are on Wednesday, and the shortest are on Tuesday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this UMB Bank phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Must either enter "last 4 digits of the card number" or Press 3 for "lost/stolen card".
Here is how our research team describes the way the UMB Bank phone system greets you: Enter your 16-digit card number followed by the pound sign.
Below are some clips we've found from UMB Bank's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"Thank you for calling card services. Good news. We have listened to your feedback and are making the following policy change to ensure timely service on your call today. Effective immediately, our agent may request your full card number to validate your identity more efficiently. We will not always request your full card number, but may from time to time.
We will continue to search for ways to provide you with the best possible customer experience.
Please enter your sixteen digit card number followed by the pound sign."
Excerpt from a call with UMB Bank
Thursday, March 28, 2024 11:12 PM

What are the hours and when should I call?

UMB Bank operates the call center for this 800-821-5184 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 196 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this UMB Bank phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like UMB Bank staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call UMB Bank is Thursday. The most busy day to call is Monday. Again, this is based on a sample of 196 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Wednesday.

The best time to call UMB Bank

In summation, the best day to call UMB Bank is Thursday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that UMB Bank staffs the call center well on Thursday.

Why Customers Call UMB Bank

If you have time to do a bit of reading before you call UMB Bank, we recommend you read over some of our problem-specific articles.

What are the fees associated with UMB Bank accounts?

The fees associated with UMB Bank accounts vary depending on the type of account and services used. We offer a variety of accounts, such as checking, savings, and money market accounts, each with its own fee structure. Common fees may include monthly maintenance fees, overdraft fees, foreign transaction fees, and ATM fees for using non-network ATMs. However, UMB Bank is committed to transparency and providing customers with affordable banking options. Some accounts may offer fee waivers or reduced fees based on certain qualifications, such as minimum balance requirements or direct deposit setup. To learn more about the specific fees associated with our accounts, please refer to the fee schedule on our website or contact our customer service team for personalized assistance.

What types of accounts does UMB Bank offer?

UMB Bank offers a range of accounts to meet its customers' banking needs. They provide various checking accounts, including a basic Essential Checking account and a premium UMB Select Checking account that offers additional benefits. Savings accounts are also available, such as the UMB Simply Savings account, which is ideal for those looking to start saving, and the UMB Advantage Money Market account, offering higher interest rates. Customers can also take advantage of their UMB Visa Credit Cards for convenient payments. Additionally, UMB Bank offers specialized accounts like Health Savings Accounts (HSAs) and Individual Retirement Accounts (IRAs) to help customers save for healthcare expenses and retirement respectively. With this diverse range of accounts, UMB Bank ensures there is an option to suit every individual's financial goals and requirements.

What is the minimum balance requirement for UMB Bank accounts?

UMB Bank does not have a minimum balance requirement for its accounts. Whether you choose a checking or savings account, there is no mandatory minimum balance to maintain. UMB Bank understands that financial circumstances can vary, and it aims to provide accessible banking solutions to all individuals. This policy allows customers to open and maintain accounts without worrying about meeting specific balance thresholds. Whether you have a small amount or larger savings, UMB Bank welcomes customers and offers a range of products and services to meet their unique needs. With no minimum balance requirement, UMB Bank strives to create a more inclusive and flexible banking experience for its customers.

Top UMB Bank customer service problems

Click the link above to get answers to just about any UMB Bank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to UMB Bank, and their purpose. Are any of these similar to the reason you are trying to call?
Concerned about account changes: "I got a letter saying someone changed the account address, but we don't recognize it."
- From a call lasting 7m 41s , Mar 28, 2024 11:12 PM
Report lost debit cards: "I lost two of my debit cards during a move and need to report them."
- From a call lasting 28m 42s , Feb 21, 2024 3:48 PM

More UMB Bank Customer Service Contacts

There are of course other ways to contact UMB Bank customer service besides the phone. Below we list the best ones, by medium.

UMB Bank Customer Help Desk / Web Support

umb.com - Customer Service
Use this link to find customer service help through their website
As a last, sometimes only, resort- UMB Bank customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is UMB Bank's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a UMB Bank agent. This phone number is UMB Bank's best phone number because 1,176 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-821-5184 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call UMB Bank first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, UMB Bank has 1 phone number. It's not always clear what is the best way to talk to UMB Bank representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for UMB Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like UMB Bank. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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