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  Umpqua Bank Access Checking

Umpqua Bank Access Checking

in Checking Accounts from Umpqua Bank

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Umpqua Bank Access Checking

Unaffiliated

in Checking Accounts from Umpqua Bank

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Highlights
Highlights
Monthly Fee $5
Minimum Balance to Avoid Monthly Fee N/A
ATM Fee: Out-of-Network $2.50
APY 0%

Overview

Where is Umpqua Bank Access Checking available?

Umpqua Bank is based in Roseburg, OR. It was founded in 1953 and offers banking services in 5 states across the USA.

Is Umpqua Bank Access Checking insured by the FDIC

Deposits in Umpqua Bank Access Checking are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor.

What APY does Umpqua Bank offer?

Umpqua Bank Access Checking is not an interest-bearing account.

What are the account minimums for Umpqua Bank Access Checking?

Umpqua Bank Access Checking requires a minimum initial deposit of $25 to open an account.
Umpqua Bank Access Checking Account Minimums
Description Amount
Minimum Initial Deposit $25
Minimum Direct Deposit to Avoid Monthly Fee $500

What fees does Umpqua Bank Access Checking charge?

This account charges a monthly maintenance fee of $5.

Umpqua Bank Access Checking Fees
Fees Amount
ATM Out-Of-Network Fee $2.50
Non-Sufficient Funds $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (International) $25
Outgoing Domestic Bank Transfer Fee $30
Incoming Domestic Bank Transfer Fee $15
Outgoing International Bank Transfer Fee $50
Incoming International Bank Transfer Fee $15
Paper Statement Fee $3

What features and perks does Umpqua Bank Access Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Fraud monitoring - Umpqua Bank Access Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Umpqua Bank Access Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
UMPQUA BANK ACCESS CHECKING Disclosure: Umpqua Bank will waive the monthly fee if you have $500 in direct deposits or 10+ debit card purchases/payments per month, or one mobile deposit of $250. Umpqua Bank will waive the paper statement charge with paperless enrollment. Receive up to four ATM-Owner fee rebates per month. Rebates will be credited same day. There is a $6 check cashing fee but only for non-Umpqua bank customers. Foreign transaction fees also come with a 2% international processing as well as the $2.50 fee.
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Contact

  • Headquarters
  •   445 S.E. Main Street
    Roseburg, OR 97470 USA

Message from Umpqua Bank

You, your life, your money management style—all things that are more important to us than the size of your balance. We pair financial expertise with a passion for getting to know you as an individual and the unique rhythm of your finances. We’re on a mission to help you manage your money in a way that matches how you live your life. We believe when it comes to banking, people should always come first. Umpqua Bank serves customers in Washington, Oregon, California, Idaho, and Nevada.

Other Services by Umpqua Bank

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 5 states
  • California
  • Idaho
  • Nevada
  • Oregon
  • Washington

Feature Breakdown

Minimum Initial Deposit $25
Minimum Direct Deposit to Avoid Monthly Fee $500
ATM Fee: In-Network $0
Early Account Closure $0
Debit Card Replacement Fee $0
Bank Teller Fee $0
Online Bill Pay Fee $0
Monthly Fee $5
Paper Statement Fee $3
ATM Fee: Out-of-Network $2.50
NSF Fee $35
Overdraft Protection Fee (per transfer) $10
Overdraft Item Fee $35
Returned Deposit Fee (Domestic) $12
Stop Payment Fee $35
Foreign Transaction Fee (Debit Card) 2.5%
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $25
Wire Transfer Fee - Domestic (Incoming) $15
Bank Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • Debit Card
  • Fraud Monitoring
  • Fraud Protection
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit

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ATM Fee: Out-of-Network $2.50 ATM Fee: Out-of-Network
APY 0% APY
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Monthly Fee $20 Monthly Fee
Minimum Balance to Avoid Monthly Fee $15,000 Minimum Balance to Avoid Monthly Fee
ATM Fee: Out-of-Network $2.50 ATM Fee: Out-of-Network
APY 0.01% APY