MyBankTracker Rating

Umpqua Bank Locations in Your Area

Umpqua Bank has 313 branches in their region. This traditional brick and mortar bank is an established bank that has presence across at least one state, and most likely uses an ATM network, but we are not aware of it.

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Learn more about Umpqua Bank

Umpqua Bank was established November 1953. That's more than 50 years ago! It holds assets of 24.1 billion US dollars. This is considered a large bank that most likely serves a large portion of their region. A point to consider when choosing a bank is it's health. This bank appears to be healthy. It has a texas ratio of 3%. Lower is better!

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Umpqua Bank Branches Customer Reviews

(42 Reviews)
1 out of 5 stars
See all 42 customer reviews
  • C
    Reviewed By chris974 Aug 20, 2016

    Terrible experience

    It is 2016 and yet their online tools simply do not work, even to make a simple mortgage payment. I tried contacting the customer service several times but they are no help. I got the generic "Sometimes it takes a few days for the website to start working and allow payment" response. It's been weeks and it still does not work.

    We also started receiving a lot of mortgage related spam mail since we opened our account, for various third party companies :/

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  • N
    Reviewed By Ndsouza Jul 26, 2016

    Terrible service

    I would give a Zero Star rating if I could. Obtained a loan through the auto dealer. Refinanced through Wells Fargo. Asked for a payoff. Was charged $30 for the statement. Could not open the secure email, requested it again charged another $30. Tried to get a refund, answer sorry no refunds even though it was their fault. Run don't walk from this bank.

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  • P
    Reviewed By pdxuser Jul 4, 2016

    The biggest catch: ATM fees everywhere!

    Almost everyone uses an ATM at one point or another, but with Umpqua, you pay up to $6 every time you touch any ATM besides their own branch ATMs, even just to check your balance.

    On top of other ATMs' fees of about $3.00 (and Umpqua charges a ridiculous $3.50 for non-members), Umpqua also charges their own $2.50 fee on top of that, totalling $5.50 to $6.00 per transaction! They even charge this fee if you just check your balance. Even more amazing is that they have no free ATM network. Literally every other small and medium-sized bank I could find had tens of thousands of free ATMs through a network like MoneyPass or Allpoint. Even the tiniest credit unions offer tens of thousands of free ATMs through the Co-op and CU24 networks. And of course the big banks have thousands of their own ATMs. But Umpqua doesn't have any such network. Either drive to the bank to use their own branch ATMs, or get double-charged. If you ever travel outside the West Coast, you're out of luck.

    But none of this is obvious if you look at their website. It says checking accounts offer $10 ATM fee reimbursements* and free Plus Deposit Network ATMs. Except these turn out to be illusions. If you click on the asterisk, you'll find out that you have to keep a minimum balance of $2,500 every day to get the ATM reimbursement. This is a $2,500 loan to Umpqua that either they keep until you close your account, or you start paying fees. And remember how they double-charge you? This means that $10 reimbursement only fully covers one ATM use, and you start paying on the second use. So in exchange for a $2,500 loan to Umpqua, you get one free ATM use. Don't waste it all on a balance inquiry.

    And the Plus Deposit Network is nothing like the vast Plus network. In my city of Portland, Oregon, it consists of just two ATMs in the entire city limits besides Umpqua. Two whole ATMs. And they're only free if you just make a deposit. Again, don't check your balance, or Umpqua will charge you $2.50 for that.

    This is the absolute worst bank I've ever seen when it comes to ATM fees. And believe me, once I found out how stingy Umpqua is about ATM fees, I checked literally every other bank and credit union in the downtown area I live in. Umpqua really is the absolute worst for ATM fees, by a long shot.

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