I don't currently have a job, so I didn't have much money in my bank. I normally kept the amount in there pretty low as they never charged for no reason. Then all of a sudden one day they sent out a "service charge" and my account went into overdraft, before I know it I owe $50, I deposit $80 into the ATM and it apparently didn't even get into my account. Now they've stolen $130 from me and It's raising every single day, and the customer support doesn't do anything about it.

On Friday the tenth of may i receive a letter from Umpqua Bank.

Stating that my account is in the negatives over 153 dollars to be exact first thing i did was call them about this, they told me that Netflix has changed my account and i had insufficient funds in my account so they covered the 6$ that i din't have and charged me 35$ + the 6$ then for 2 weeks they charged me 7$ everyday till i got the letter stating that I owe them 153$ i asked why i was not notified sooner, she said "we did we called we sent out a letter" yea after 2 weeks so you can charge me for 2 weeks....? she then says no we sent one out the day of the over draft. they lied because if i have gotten the letter that same day or the next i would not be paying 153$ of late fees! worst bank ever my father had the same problem my brothers and sister in-law and they say the same thing over and over. they are rip off artists and don't trust them. they put on a good face till something is wrong with your account.

I went into this new noe valley branch (was a circle bank branch before) on christmas eve around 1pm to personally deposit a large check and some cash. Branch personnel assured me that $200 of my check and all of my cash would be available for withdrawl immediately. On christmas morning, i went to send my giftly gift certificates to my remote family and loved ones and... No money. No money, not even the cash, had been posted!!! I am new to this bank, and though staff is friendly, staff is not competent nor well-informed. Umpqua bank has ruined christmas 2012. The bank is in violation of its own stated policies regarding money handling (listed on their website and on the deposit receipts i was given yesterday). If a bank cannot handle my money in a consistent and trustworthy manner, what good are they as a bank?! In fact, what the hell are they even doing in the banking business?!! **************

update: the day after christmas, my account manager contacted me directly and apologized. Apparently the circle bank employees had not yet been fully trained on umpqua bank processes and one of them had not written my deposit amount in a way that the computers could read the scans, so in fact the deposit needed to be manually entered later on, which wasn't discovered until the day after christmas. While it is clear that they need to be more on-the-ball with this merger, it is also clear that it was not intentional, and that it is in the merger process that performance results are going to be a little uneven until they complete the transition.

When you add money the day your account is going to be overwithdrawn and they charge you $35 for each charge that went through is unbelievable! I hate Umpqua! Their customer service is a bunch of cocky people who are all told to just say no! No matter your circumstance. I am switiching immediately! They make easy money and screw over their customers! I'm done!!!

I opened an account with them in my hometown and they assured me I would be able to use my checking acct and debit card abroad (I was on my way to work in China for a year).

I have not ONCE made a successful purchase using my account or card with them. Every time I try to make a purchase it is denied and sent to their fraud accounts. Then they call my parents' house, but since my mother's name is not on my account, they won't listen when she tells them I am, in fact, in China. I have called and emailed them no less than EIGHT times to tell them that I am in China. And still we have to go through this each time.

Further, I was told that they would be able to "Make a payment" from my checking account to my Bank of China account (part of the reason I decided to bank with them). This is not true, as it states in their Online Bill Pay section.

On top of it, they charge maintenance fees for the checking account.

And, my debit card cannot be used in Chinese ATMs though people who have visited me have been able to use their credit union-issued debit cards in the ATMs. Umpqua said I would need a 6 digit PIN for my card (this is what is used in China), but said I would have to change my PIN in person at a local branch.

I cannot wait to get to the states and take my money out of this worthless establishment.

Umpqua Bank is a great bank as long as you don't have any problems with your account. This is where there customer service falls apart. I had several unauthorized charges on my bank account, which they helped reverse NSF charges with these, but because this left my account in a negative balance, I removed my auto-deposit until the problem was cleared up. I tried to stop an automatic payment to one of my creditors but they applied it to this bank anyway. As soon as I saw that that had happened, I made a deposit in the ATM the same day, but customer service as well as bank branches declared it didn't matter because the deposit was made after 3 PM. I showed that I had made every attempt possible to rectify the situation but they really don't care. They then started charging my account $7/day for every day it was overdrawn. Fortunately I was able to make arrangements with other creditors so I could get the money to close my account. If Umpqua would've had their way, they would've charged me $7/day for two weeks, for a total of $98.

My partner and I opened a join checking account, savings account, and credit card with Umpqua. One week later we closed all 3 and stopped discussions regarding our brokerage account and returned to Wells Fargo. I've never had such bad service, inaccurate information, and lack of interest in understanding clients' needs as I experienced at Umpqua bank.

Even after going up 2 levels of management I was still unable to get satisfaction. My credit is excellent (750+ credit score). My bank balance and brokerage account would be in 6 figures. They were not interested in understanding or keeping my business.

If you want a coffee shop and free computers...go to Umpqua. If you want a BANK...go elsewhere.

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.

Never forced to call some one else, the Umpqua Store is a one stop shop. I never have to leave or wait for an issue to be resolved.

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.