About Umpqua Bank

Umpqua Bank, headquartered in Roseburg, Ore., is a subsidiary of Umpqua Holdings Corporation (NASDAQ: UMPQ) and has 150 locations between Napa, Calif. and Bellevue, Wash., along the Oregon and Northern California Coast and in both Central California and Central Oregon. Umpqua Bank has been recognized for its innovative customer experience and banking strategy by national publications including the Wall Street Journal, New York Times, BusinessWeek, Fast Company and CNBC.
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Overall Rating

MyBankTracker rated Umpqua Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

B+

MyBankTracker Rating

Customer Rating
Based on 33 Reviews
Financial Health
Based on Texas Ratio: 6.51
Bank Fees
vs. Average
Bank Rates
vs. Average
Number of Locations
vs. Similar Institutions
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Locations & Hours

Umpqua Bank Location Map
Umpqua Bank Location Map
We found branches close to you and 378 nationwide.
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Most Helpful Customer Reviews

294680's Profile Image

Reviewed by 294680

Apr 12th 2012

5 out of 5 marks

I Love This Bank, Great Customer Service.

I have never had a problem with this bank, and they offer other services for free such as notary, fax, and wifi. I have moved all of my personal investments to umpqua bank investments. I had boa but they got too big and lost focus on customer service.

Is this review helpful? ▲ Yes 3 ▼ No 1

fhallock's Profile Image

Reviewed by fhallock

Nov 6th 2011

5 out of 5 marks

Have a checking account with debit card and online access.

The bank has an excellent checking account system for retired people. All of my income pensions and social security are deposited automatically into my checking account. Having moved from another larger banking institution because of banking fees and high charges for overdraft protection and no internet access. Umpqua bank in Arcata, California provides free checking with a debit card and does not require a savings account with a steady and increasing balance.

The debit card can be used as a Visa charge card limited to the balance of your checking account. You can even use the card to make online purchases. There are no fees and the free box of checks I received will last a long time as I use the online payment abilities to pay bills.

I would rather receive a friendly smile and a hot cup of coffee when banking than a suspicious gaze from the employees of a cold marble encased usurious enterprise.

Is this review helpful? ▲ Yes 2 ▼ No 0

Dominic F's Profile Image

Reviewed by Dominic F

Jun 15th 2010

5 out of 5 marks

Nice people, good branch hours. Needs to have better technology.

I like Umpqua Bank for the friendliness it offers. Every time I have dealt with one of theirs reps, I have been completely satisfied. I have never been charged fees for things i didn't specifically request. No surprises, no hassles.

On the other hand I can see that they need to work on two things:

1. Getting an iPhone app that delivers account balances and activity.

2. Stabilizing the spreadsheet format of their account activities log. It has fluctuated a number of times.

Is this review helpful? ▲ Yes 2 ▼ No 0

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Prosper Interest Checking

0.01%

$0

$200

Prosper Interest Checking

0.03%

$10,000

$200

Prosper Interest Checking

0.03%

$250,000

$200

Banking Fees

Type Fee National average
Monthly Inactivity

$2

Per Month

$7

Non-Sufficient Fund (Overdraft)

$35

$30

Stop Payment item

$35

$27

Return Deposit

$10

$13

Domestic Wire Transfer (Outbound)

$25

$22

Domestic Wire Transfer (Inbound)

$15

$9

Non-Bank ATM

$2.50

$1