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  Umpqua Bank Access Checking

Umpqua Bank Access Checking

in Checking Accounts from Umpqua Bank · fdic

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Umpqua Bank Access Checking

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in Checking Accounts from Umpqua Bank · Member FDIC

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

Umpqua Bank Access Checking Review

Umpqua Bank Access Checking is offered by Umpqua Bank, a bank founded in 1953 and based in Spokane, WA. Umpqua Bank Access Checking is available in 5 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, Umpqua Bank Access Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of up to $5.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Umpqua Bank.
Umpqua Access checking Pros & Cons
Pros Cons
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.
Umpqua Access checking FAQ

Are checking accounts from Umpqua Bank federally insured?

Yes, your Umpqua Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #17266). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Umpqua Access checking offer?

Umpqua Access checking is not an interest-bearing account.

What are the account minimums for Umpqua Access checking?

Umpqua Access checking requires a minimum initial deposit of $25 to open an account.

Umpqua Access checking Account Minimums
Description Amount
Minimum Opening Deposit $25
Minimum Direct Deposit to Avoid Monthly Service Fee $500

What fees does Umpqua Access checking charge?

This account charges a monthly service fee of up to $5.

Umpqua Bank Access Checking Fees
Description
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Copy $10
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $5
NSF Fee $35
Online Bill Pay Fee $0
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $25
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2.50

Does Umpqua Access checking charge overdraft fees?

Yes, Umpqua Access checking charges a $35 fee for every overdraft.

Umpqua Access checking offers overdraft protection at a cost of $10 per transaction.

What features and perks does Umpqua Access checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - Umpqua Access checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Umpqua Access checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 5 states
  • California
  • Idaho
  • Nevada
  • Oregon
  • Washington

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
Bank Teller Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Check Copy $10
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $5
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $25
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2.50
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC

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