They are incredibly kind to me. I first had a biz account, and despite the failure of my startupn, they were always respectful, even kind. I went back to the same neighborhood branch later, and it was like coming home. Perhaps I am better with people I know, but their service has never been less than courteous. The neat thing about my checking is having the option to choose no overdraft fees, and how they took in my deposit before it came to any problem. They are always good to work with. Maybe online isn't everything.. but my UMB branch has it all together.

To setup money market account you must go to local branch, can't do online. Don't try to setup online banking yourself, have banker do it. VERY easy to get locked out as physical address is used in verification and must be exact. You aren't provided with actual recorded address as banker enters. Maximum transfer in amount is $10,000 per day AND is not available for 5 business days.

Worst Bank and customer service. Have called 11 times. Today called the lady hung up on me. They have been charging me a few every month 7 months since they took over my account. I have not received anything from them, not even a account number. Yet they charge me. I asked if they were going to refund me for the last 7months. She said they could do 2 months of refunds.