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Compare Umpqua Bank products: Savings and Checking

Find a full range of personal and business banking products, but only for West Coast residents.


Umpqua Bank
Choosing a financial provider can be a painstaking process. Whether you’re looking for a fee-free checking account or high-yield savings, Umpqua Bank offers a competitive selection of both personal and business products for residents of the West Coast.

What banking products does Umpqua Bank offer?

Personal banking

Umpqua Bank’s personal banking products come with a number of perks but are limited to residents of Washington, Oregon, Idaho, California and Nevada.

  • Umpqua Grow Savings. Umpqua Bank’s savings account offers unlimited deposits and withdrawals with a $3 monthly fee.
  • Umpqua Embark Checking. Enjoy no monthly fees, no balance requirement and up to $10 in monthly ATM fee rebates.
  • Umpqua Access Checking. Comes with one free incoming wire transfer a month alongside four ATM fee rebates and three complimentary Umpqua Bank savings accounts.
  • Umpqua Attain Checking. A $200 minimum opening deposit and $20 monthly fee is required, but you’ll get free checks, incoming wire transfers and account statements.
  • Thrive Money Market. Receive up to six free withdrawals and transfers a month with the option to waive the $10 monthly fee with a minimum daily balance of at least $1,000.
  • Prosper Money Market. With a minimum opening deposit of at least $100, you’ll get an ATM card, 50 free check deposits a month and the option to waive the $15 monthly fee with a minimum daily balance of at least $10,000.
Name Product Interest rates (APY) Fee Minimum deposit to open Interest earned
Umpqua Grow Savings
APY not advertised
You get ATM access and unlimited deposits — but interest rates aren’t clear, and services are limited
Umpqua Thrive Money Market account
APY not advertised
$10 per month
(can be waived)
Get unlimited deposits with this savings account.
Umpqua Prosper Money Market account
APY not advertised
$15 per month
(can be waived)
This money market account offers a higher APY when linked to a personal checking account.

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Name Product Minimum deposit to open ATMs Out-of-network ATM fee
Umpqua Embark Checking
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $10 per month in ATM fee rebates
Simple and straightforward, a checking account for anyone looking for no-frills banking.
Umpqua Access Checking
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus 4 non-Umpqua ATM fee rebates per month
A checking account that's tied to your savings and comes with lots of fee rebates.
Umpqua Attain Checking
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $25 per month in ATM-owner fee rebates
Easy banking for complicated lives.

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Small business banking services

  • Community Business Checking. With an opening deposit of at least $100 and a monthly account fee of $10, receive up to 200 free checks a month and deposit up to $10,000 each month free of charge.
  • Marketplace Checking. A $25 monthly fee and opening deposit of $100 will get you 500 free checks a month and $150 off your first order of checks and supplies through Harland Clarke.
  • Business Analyzed Checking. An opening deposit of at least $100 is needed for Umpqua Bank’s top-tier business checking account, which offers earnings credit allowance to offset the $18 monthly fee.
  • Community Business Savings. Comes with six free monthly withdrawals and a $3 monthly maintenance fee that can be waived if a daily balance of at least $200 is maintained.
  • Main Street Money Market. With a minimum opening deposit of $100, enjoy ATM access, up to $10,000 of free cash deposits monthly and the option to waive the $10 monthly maintenance fee if a daily balance of at least $2,500 is maintained.
  • Marketplace Money Market. You won’t pay a fee on your first 50 checks and $10,000 in cash deposits each month, and you can waive the $15 monthly fee if a daily balance of $25,000 is maintained.

Other products

  • Credit cards. Umpqua Bank has a number of different personal credit cards to choose from, including Visa Platinum, Visa Real Rewards, Cash Rewards American Express and Premier Rewards American Express.
  • Business credit cards. If you’re looking for a business credit card, Umpqua Bank offers Visa Business Platinum, Visa Business Cash, Visa Business Real Rewards and Visa Business Rewards PLUS.
  • Loans. If you’re looking to finance your next home or personal project, Umpqua Bank offers fixed and adjustable-rate mortgages, home equity lines of credit, personal loans, personal lines of credit and auto loans.
  • Business loans. For small businesses seeking capital, Umpqua Bank offers business term loans, SBA loans, real estate loans, business lines of credit, equipment financing and vehicle financing.

Compare Umpqua Bank to the competition

Umpqua Bank isn’t one of the nation’s heavyweight financial institutions. In fact, it doesn’t even crack the list of the top 50 bank holding companies by deposits in the US.

Big names like JP Morgan, Bank of America and Wells Fargo hold the top spots with over $1 billion in customer deposits apiece and thousands of nationwide bank branches. But West Coast provider Umpqua Bank suggests on its website that its small-town roots help keep it grounded and people-oriented.

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
Chase Total Checking
Access to 16,000 ATMs and nearly 4,900 branches nationwide
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
HSBC Advance Checking
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks, plus a $200 signup bonus when you meet deposit requirements
Aspiration Spend & Save Account
55,000 free in-network ATMs
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.
SoFi Money
SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.
NorthOne Business Banking
More than 300,000 ATMs across America.

A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.

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Why should I open an account with Umpqua Bank?

In addition to expected services like Umpqua Bank online banking, here are other highlights:

  • Low fees. Monthly fees for Umpqua Bank’s basic savings and checking accounts are just $3 and $5 respectively with options to waive fees if you maintain the minimum daily balance requirement.
  • Mobile banking. Umpqua Bank’s mobile banking app is free to download for Android and iOS and allows you to transfer funds, check your account balance and deposit checks.
  • Bill pay. As part of Umpqua online banking, checking accounts allow you to automate your bill payments.
  • Complimentary savings. Umpqua Bank’s checking accounts automatically qualify you for complimentary savings and money market accounts.
  • Reward programs. Umpqua Bank offers reward point programs and cash back programs on its Visa and American Express cards.
  • Customer service. Umpqua Bank’s customer service is available by phone and email seven days a week.

What should I look out for?

  • Limited availability. Umpqua Bank accounts are only available to residents of Washington, Oregon, Idaho, California and Nevada.
  • ATM fees. There are no fees to access your funds at an Umpqua Bank ATM but expect a $2.50 fee when using any ATM outside its network.
  • Lack of transparency. Umpqua Bank doesn’t post its interest rates for its savings accounts online which means you’ll need to call customer service for your potential rate.

Umpqua Bank ratings, reviews and complaints

Umpqua Bank is not an accredited business with the Better Business Bureau. The BBB gives Umpqua Bank a D- rating due to its failure to respond to four official complaints.

A majority of complaints on the Consumer Financial Protection Bureau against Umpqua Bank were about its home loans, although a number of customers also complained about issues with automated bill payments and checking accounts being closed due to inactivity.

Umpqua Bank is insured by the FDIC, from which it receives a Satisfactory CRA rating.

Bottom line

As is the case with any financial provider, an account with Umpqua Bank has its benefits and drawbacks. Take advantage of bill pay, mobile banking and rewards programs but be on the lookout for ATM fees and its limited availability.

Common questions about Umpqua Bank

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