Umpqua Bank

National Bank, umpquabank.com

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B+ MyBankTracker
Rating
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

Umpqua Bank is a bank for people and their money. Based in Portland, Oregon, Umpqua Bank strives to offer banking services with a community spirit at more than 300 branch locations in Oregon, California, Washington, Idaho and Nevada. You'll find virtually everything you need here to handle your most important personal or business financial management tasks.


For personal banking customers, that includes checking accounts, savings accounts, personal and home loans, credit cards, investment services and private banking. The idea behind Umpqua Bank's products is to make banking as easy as possible and there are three checking options available to fit that mold.


Embark Checking has a $0 monthly fee, a low opening deposit and it comes with up to $10 per month in ATM fee rebates when you meet the minimum balance requirement. Access Checking does have a monthly maintenance fee, but it's fairly easy to avoid if you're using your debit card regularly or using your phone to make mobile deposits. Attain Checking is ideal for people who maintain a higher average balance in checking and want to earn interest on their balances. This account also offers up to $25 in foreign ATM fee refunds each month.


On the savings side, there are three ways to save for your future goals: Grow Savings, Thrive Money Market and Prosper Money Market. Grow Savings is a basic savings account, with a low monthly maintenance fee and low opening deposit. The Thrive Money Market account and Prosper Money Market Accounts come with a higher monthly maintenance fee, but the fee drops to $0 if you meet the minimum balance requirement. All three accounts come with ATM card access so you can make withdrawals or deposits at the ATM when you need to. You can link any of these accounts to an Umpqua Bank checking account for overdraft protection.


If you want to save over the longer term, you could set aside money in an Umpqua Bank CD account, open an education savings account for your children or set up an individual retirement account. Umpqua Bank offers personalized investment services to help you create and maintain your investment plan.


There isn't a rewards checking account option but you will find several rewards credit cards to match your spending style. There are cards that offer rewards on everyday purchases and a card that's designed with travelers in mind. If you'd prefer a great rate to rewards, there's also a card that offers a low introductory APR for purchases and balance transfers. And if you're building or rebuilding credit, Umpqua Bank also features a secured credit card option.


If you can't get to a branch, you can always go online or mobile to manage your accounts. You've got all the tools you need, including online and mobile bill pay, mobile check deposit, instant internal transfers, text banking and customizable alerts. Mobile banking is available for both Android and Apple users, and Touch ID/fingerprint login is included for added security. To make your life even easier, you can open a new Umpqua Bank checking or savings account online.

Umpqua Bank Fees

  • National Average
  • Monthly Inactivity $2 $6
  • 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 $10
  • Non-Bank ATM $2.50 $1

Locations & Hours

map of local branches and ATMs
Branches
309

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By silverguy Apr 1, 2018

    Worst Bank Ever!

    BBB rating of D- is not justified.
    These people don't deserve any grade above F.
    Zero stars.
    No common sense at all when making decisions.
    Don't be gullible like me and give them your credit card when you are making a loan application.
    The bank was going to make a construction loan so I could add 1,100 square feet to my family home.
    The bank waited until I was 2 months into the loan process with them, and thousands of dollars spent in out of pocket costs, before ordering an appraisal on the property (using my credit card). The loan broker who sent me to UMPQUA didn't think there would be any problem with the appraisal. The bank didn't disagree.
    When the appraisal came back less than expected, the bank casually said I needed to come up with an extra $160,000 to close the loan (no typo, no joke), at a higher interest rate than quoted, but they might be willing to work with me if I moved my retirement account over to them (I wouldn't let my kids put their lemonade stand money in this bank).
    Hard to tell whether they're criminals or just idiots, but don't waste your time trying to figure it out.
    Go to your local loan shark first.
    At least you'll be fleeced up front.

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  •  
    Reviewed By beibol Mar 29, 2018

    Don't waste your time, it's valuable.

    I can't wait to leave. I've had my small business banking at Umpqua since they bought Stirling Bank, and I've been nothing but disappointed since the transition. The online banking is antiquated, the underwriting and processes are bulky at best, obstructionist when you need progress, and unnecessary under most circumstances when compared to other banks. All the limits of a small bank, with all of the drawbacks of a large bank. The only reason for two stars vs zero is the helpfulness of the staff in the branches. They understand the difficulty and mostly try to help get through it, even when their hands are tied. In my opinion, you shouldn't waste your time. (PS as I finish writing this, I've been on hold for over ten minutes so far with the business line)

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  •  
    Reviewed By simeconsta Nov 17, 2017

    This 'store' treats its customers with rudeness and long lines.

    I'm very familiar with this Umpqua "'Store" in Phoenix OR. and the folks that work there ; and the only way to describe the service the bank staff delivers is poor and shoddy. It's not unusual to walk through the front doors and see the 4-5 staff members lined up against the wall or staring out into space ;doing an excellent job of goldbricking. As a very small shareholder ,all this is very disconcerting. .. Now ,I know that job security is a major feature of bank employment but a publicly trade bank has a duty to its shareholders as well.
    Now, when these folks do get busy ,they are so slow that a long line immediately forms and given the ages of their clients ,grumbling begins at the knees . .. But to make things worse , a few of these bank specialists can get down right loud and rude for no real reason.
    I wonder if some of these gals working there were raised in a barn..!!!

    Especially sad was when I happened to see an elderly gentleman trying to transfer cash out of his IRA and into his checking so he could get it ;and watching the close to retirement age teller unable to make the transfer. After waiting about 20 minutes ,there she was staring at her comp. screen and trying to read the instructions on how to execute ,only to continue staring and finally initiated a few phone calls ,but to no avail. 20 minutes became 40 minutes and still the old guy was standing scratching his head telling her ,it was an easy procedure since he had it done before by other tellers.
    She told him to quit bugging her. 40 minutes easily became 60 minutes and to make a long story short ,the old guy blew it and told her off. Thankfully she retired from the bank a few months later.

    This is not unusual when dealing with UMPQUA.. too bad ,so sad.. And what about management you ask.. oh ,what management????

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  •  
    Reviewed By simeconsta Nov 17, 2017

    This 'store' treats its customers with rudeness and long lines.

    I'm very familiar with this Umpqua "'Store" in Phoenix OR. and the folks that work there ; and the only way to describe the service the bank staff delivers is poor and shoddy. It's not unusual to walk through the front doors and see the 4-5 staff members lined up against the wall or staring out into space ;doing an excellent job of goldbricking. As a very small shareholder ,all this is very disconcerting. .. Now ,I know that job security is a major feature of bank employment but a publicly trade bank has a duty to its shareholders as well.
    Now, when these folks do get busy ,they are so slow that a long line immediately forms and given the ages of their clients ,grumbling begins at the knees . .. But to make things worse , a few of these bank specialists can get down right loud and rude for no real reason.
    I wonder if some of these gals working there were raised in a barn..!!!

    Especially sad was when I happened to see an elderly gentleman trying to transfer cash out of his IRA and into his checking so he could get it ;and watching the close to retirement age teller unable to make the transfer. After waiting about 20 minutes ,there she was staring at her comp. screen and trying to read the instructions on how to execute ,only to continue staring and finally initiated a few phone calls ,but to no avail. 20 minutes became 40 minutes and still the old guy was standing scratching his head telling her ,it was an easy procedure since he had it done before by other tellers.
    She told him to quit bugging her. 40 minutes easily became 60 minutes and to make a long story short ,the old guy blew it and told her off. Thankfully she retired from the bank a few months later.

    This is not unusual when dealing with UMPQUA.. too bad ,so sad.. And what about management you ask.. oh ,what management????

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  •  
    Reviewed By Timp Feb 18, 2017

    Apathetic Staff, Horrible Customer Service, Lack of Banking Features

    I have been eying Umpqua as my Chase replacement for some time now. I have dropped in the location downtown and had great experiences talking to the staff about banking options. That all is good.

    BUT, I just actually opened an account at the 61515 S Highway 97 location and had the worst banking experience of my like. I don't know about other staff, but my experience was with Mila Gabler...and it wasn't just her lack of passion for customer service that was the issue. In general I felt like she simply was not listening and not interested in answering my questions. Specifically

    -she did not know the services offered well enough to answer questions
    -she seemed more interested in rushing us out of the branch by the 1pm closing time than servicing our needs.
    -she tried to take shortcuts on our account by only signing my wife up fior online banking and she had the audacity to suggest I come back and set mine up at another time
    -she could not answer why the bank was requiring my occupation to open a checking account. She could not tell me if it was an Umpqua requirement or a federal requirement, and she wasn't interested in finding out. She simply kept saying "I dont know, its a pulldown so I just need to fill it out.
    -she told me I was suspicious because I was asking questions around why the bank required my occupation to open a simple checking account.
    -She then selected an occupation without our permission or okay, simply to try and move the process along faster
    -She was irritated when I had question on the account form I was about to sign, and showed serious apathy in answering questions
    -then after all that, she implied to my wife that I was difficult and she was sorry for her

    Top notch service companies do not employ apathetic customer folks in a customer facing role. I'd recommend managers and staff drop into any Chase bank if you would like to see outstanding customer services.

    I would love to talk to you more about this experience if you are interested and you can call me at any time.

    Tim Pfiffner
    503-528-6333

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  •  
    Reviewed By Monk Oct 13, 2016

    Bounce Guard Bull $hit

    In 2010 the Fed Reserve made a LAW against automatically "providing" overdraft protection that lets ATM/POS charges to go thru and incure a fee (usually $35 per). Umpqua calls their service "Bounce Guard" and, magical, you are signed up for it even if you don't want it. I opened a savings account to act expressly as OD protection for my business checking. This week, almost 5 years later, I get hit w 4 OD charges. No one, anywhere in the system seems to have the authority to help or remove these charges. And no one seems to know how I didn't get my accounts properly linked. I will be closing my account tomorrow (after over a week) of getting the complete run around from everyone at Umpqua bank!

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  •  
    Reviewed By Monk Oct 13, 2016

    Bounce Guard Bull $hit

    In 2010 the Fed Reserve made a LAW against automatically "providing" overdraft protection that lets ATM/POS charges to go thru and incure a fee (usually $35 per). Umpqua calls their service "Bounce Guard" and, magical, you are signed up for it even if you don't want it. I opened a savings account to act expressly as OD protection for my business checking. This week, almost 5 years later, I get hit w 4 OD charges. No one, anywhere in the system seems to have the authority to help or remove these charges. And no one seems to know how I didn't get my accounts properly linked. I will be closing my account tomorrow (after over a week) of getting the complete run around from everyone at Umpqua bank!

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  •  
    Reviewed By customer2 Feb 12, 2015

    Extremely Rude

    I made the mistake of trying to open an account with this bank. The representative clearly wanted to get rid of me and suggested that I go someplace else, which was a surprise since I was talking about making a large savings deposit. Normally a bank is happy to get a new savings customer. Goodby Umpqua!

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  •  
    Reviewed By kayak99 Jul 31, 2014

    Umpqua Bank Sucks

    On April 15 I left for a 2 month trip to Europe; prior to that I was informed by mail and e-mail that Umpqua would be acquiring many Sterling branches, with Banner Bank acquiring the others. The documents stated that this change would take place in late June.

    6/15 I return from Europe

    6/22 I check my bank accounts online; both savings & checking show zero. I call the 800 number and am told my accounts are with Banner Bank (incorrectly) and that I should contact my branch

    Monday. 6/23: visit Tillamook branch of Umpqua. Spend 3 hours there with Bing (Sylvia) Plasker who I've know since opening my accounts in 2003. Her records indicate no change in my accounts, and that they should NOT have been transferred to Banner. I call the "President" on your lobby phone and discuss the situation. I was told by Banner that I would need to have new account numbers since they could not be transferred a second time. That is ridiculous; I would have had to change all my direct deposits and payments. The "solution" was to re-instate my precious account numbers with Umpqua.

    Now I have 2 checking and 2 savings accounts with Umpqua (only two of which have money). I received three (3) debit cards from Umpqua (one of which worked) and one from Banner (which I did not try).

    6/24 I begin transferring all my accounts to TLC (Tillamook Federal Credit Union), a stellar operation. During this time period I have TWO ACCOUNTS WITH THE SAME NUMBER - one at Umpqua and one at Banner. The auto pays and checks I did wri

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  •  
    Reviewed By oeg9qu Jan 27, 2017

    Umpqua SUCKS

    These idiots bought out my mortgage and it's been a huge pain in the ass. They constantly ask for proof of insurance for my personal condo policy and our master HOA policy. I've never had a lender do this as frequently as Umpqua. At this point I'm going to either refinance or pay it off as soon as possible just so I don't have to deal with these clowns.

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  •  
    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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  •  
    Reviewed By fst442 May 31, 2016

    Umpqua, unfair mortgage practices

    This review is for Umpqua's mortgage department located at 8121 W Grandridge in Kennewick. I called Umpqua to see what my refinancing options were, after receiving a few options, I chose the loan I wanted. We own a 4 bedroom 2 bath, 1/2 of the living quarters are located in the 768 sq ft basement. We've recently remodeled our basement and are about 85% complete, we need doors and molding. The appraiser made his assessment on a 2 bedroom 1 bath at 768 sq ft because the basement wasn't "complete".
    Based on our loan officer's advice, we appealed the appraiser's assessment and the decision was upheld. Umpqua did not insist on a Freddie Mae form 442 be completed with our appeal(we learned about this form later) stating the home's worth after the basement is completed.
    During this fiasco with the appraiser, Umpqua's underwriting department wanted a copy of my husband's Dissolution of Marriage. He provided it, the underwriting department told him that wasn't the right form. Umpqua even requested a copy of the Dissolution of Marriage from the county of his divorce and were provided the exact same thing my husband provided them. Still, they insisted there should be more. There isn't and after haggling back and forth, the underwriter's moved our loan forward.
    At this time we were so defeated and didn't want to start the loan all over again, we finished our refinancing with Umpqua only to save $100.00 a month. We couldn't even get the mortgage insurance taken off because of the bad appraisal. Umpqua told us that they'd reimburse us for the inspection fee, which they did but added that reimbursement to our closing costs.
    I'm disappointed that a local bank would carry out these practices and continue to wonder why I'm paying taxes on a 4 bed 2 bath when the appraiser states we have a 2 bed 1 bath.

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  •  
    Reviewed By silverguy Apr 1, 2018

    Worst Bank Ever!

    BBB rating of D- is not justified.
    These people don't deserve any grade above F.
    Zero stars.
    No common sense at all when making decisions.
    Don't be gullible like me and give them your credit card when you are making a loan application.
    The bank was going to make a construction loan so I could add 1,100 square feet to my family home.
    The bank waited until I was 2 months into the loan process with them, and thousands of dollars spent in out of pocket costs, before ordering an appraisal on the property (using my credit card). The loan broker who sent me to UMPQUA didn't think there would be any problem with the appraisal. The bank didn't disagree.
    When the appraisal came back less than expected, the bank casually said I needed to come up with an extra $160,000 to close the loan (no typo, no joke), at a higher interest rate than quoted, but they might be willing to work with me if I moved my retirement account over to them (I wouldn't let my kids put their lemonade stand money in this bank).
    Hard to tell whether they're criminals or just idiots, but don't waste your time trying to figure it out.
    Go to your local loan shark first.
    At least you'll be fleeced up front.

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By fedupwithbanks Jul 14, 2017

    Worst Bank I've ever dealt with

    I would give this bank zero stars if that were possible. I was originally a Sterling Bank customer (which was great). I recently made a deposit in the ATM before the bank opened on a business day 7/12 (in the branch of my hometown). However the deposit will be held until the 20th, which has put my account into an overdrawn state, even though I deposited enough money to cover the charges. I contacted the branch location that I originally opened the account, and was told that they wouldn't reverse the over drawn pending charges, even though my actual balance is not in the negative, and they wouldn't release the funds of my deposit.

    It's all a money making scheme so that the stockholders profit!!! I recommend closing your accounts and going to a credit union.

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  •  
    Reviewed By Takenbyumpqua Nov 29, 2016

    Surprise overcharging on auto loan

    I have been paying extra every month on my auto loan for a year. When I got the loan I was told it was fine to pay off early. Now I realize they weren't taking the extra off of the principle. They were just letting it accrue in their pocket and still charging me full interest. To fix it they want me to give them access to my account at my credit union instead of using auto pay at my credit union. I wish I had looked for an alternate source for this loan. My sacrifice for a year was going into their pocket. No effect whatever.

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  •  
    Reviewed By Johnyamas Dec 7, 2015

    Do not use this bank if you plan on traveling

    I am traveling out of the country.
    I called to let them know. When I try to log in on line they want a code from a phone where I am not at.
    If I call when they are open I am calling long distance. I wait forever. They say if I want a callback to press star key. That does not give enough space for the phone number where I am. So I lose my place in line after 11 minutes and have to start over

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  •  
    Reviewed By kayak99 Jul 31, 2014

    Umpqua Bank Sucks

    On April 15 I left for a 2 month trip to Europe; prior to that I was informed by mail and e-mail that Umpqua would be acquiring many Sterling branches, with Banner Bank acquiring the others. The documents stated that this change would take place in late June.

    6/15 I return from Europe

    6/22 I check my bank accounts online; both savings & checking show zero. I call the 800 number and am told my accounts are with Banner Bank (incorrectly) and that I should contact my branch

    Monday. 6/23: visit Tillamook branch of Umpqua. Spend 3 hours there with Bing (Sylvia) Plasker who I've know since opening my accounts in 2003. Her records indicate no change in my accounts, and that they should NOT have been transferred to Banner. I call the "President" on your lobby phone and discuss the situation. I was told by Banner that I would need to have new account numbers since they could not be transferred a second time. That is ridiculous; I would have had to change all my direct deposits and payments. The "solution" was to re-instate my precious account numbers with Umpqua.

    Now I have 2 checking and 2 savings accounts with Umpqua (only two of which have money). I received three (3) debit cards from Umpqua (one of which worked) and one from Banner (which I did not try).

    6/24 I begin transferring all my accounts to TLC (Tillamook Federal Credit Union), a stellar operation. During this time period I have TWO ACCOUNTS WITH THE SAME NUMBER - one at Umpqua and one at Banner. The auto pays and checks I did wri

    Continue reading...
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  •  
    Reviewed By JAllen Oct 28, 2013

    Highway Robbery!

    Umpqua touts themselves as "The World's Greatest Bank" Beware! The charge ridiculous fees and change your account on you with no notice.

    Due to a move and switch accounts over to another bank, I had a debitor charge to my Umpqua Bank account, when they shouldn't have as they were given an updated account to charge to, and my Umpqua account went into overdraft. Though, I never signed up for overdraft, specifically requesting it to be removed when I signed up. Oh yeah, when I signed up, it was a free monthly account, which they started charging $6 a month for recently without even sending me a letter.

    So when the overdraft occurred, they charged a $35 fee. Ok, fair enough, I'll pay it and the amount when I get my next paycheck in two weeks because I'm broke until then. Nope not good enough, they charged $7 per day additional overdraft fees on top of the original $35 fee. So in under two weeks that original amount owed just doubled itself!

    Can you say highway robbery? I'm seeking an attorney. They have to be others that are being robbed by this bank.

    Stay away from Umpqua Bank the "World's Most Greediest Bank".

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