UMB was big a couple years back when it was a hidden trade line. Myself and my mother have cards from UMB. We have never had any problems with them and if I remember they pull TU.
Starting Score: 744I don't think they are overly conservative. They are on the lower end of our CL's.
I have a UMB visa, and I bank at UMB. I've always been pleased with the banking services. I don't use the card much since it doesn't have super impressive rewards, but the CS has always been good in my opinion. It's nice that your cc acct info shows up on the online banking site, so you can manage both your checking/savings acct and cc account.
They gave me a CL $3000 in 2007 which was all I probably deserved during that time. I've never requested a CLI and I've never received an auto CL. The card has perfect payment history. Now that I know it pulls TU, I may just give them a call!
Thanks for all the info. I have to decide if it's worth the inq! 
Just curious if anyone else has had experience with UMB Bank.
I have experience with the bank only but not any of their credit products. I am not impressed and am in the process of transfering my accounts to another institution.
I have been using mint.com religiously, but umb seems to always change their online banking and it is probably only available to mint.com about half of the month.
I don't live in their banking area, so I'm only looking at their Visa.
I don't live in their banking area, so I'm only looking at their Visa.
They pulled TU on me for overdraft protection. Good luck!