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Last Updated: 01/21/2026

Umpqua Bank Access Checking

from Umpqua Bank

Last Updated: 01/21/2026

Rating not yet determined1 total votes

1 users don't recommend

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Highlights

Welcome Offer

Starting at $0(Verified 06/21/2024)

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Cashback Rewards

N/A

APY (Annual Percentage Yield)

0%(Verified 06/21/2024)

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Monthly Service Fee

$0 - $5(Verified 01/21/2026)

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Umpqua Bank Access Checking Review

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

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 fee of up to $5.
ATM fee rebates. 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 when you enroll in Umpqua Bank mobile or online banking.

Umpqua Access checking Pros & Cons

Pros

Cons

Debit card

No signup bonus.
Does not earn interest
Does not provide access to a nationwide ATM network.
Only available in 5 states.
Charges a fee on out-of-network ATM transactions.

Umpqua Access checking FAQ

Are checking accounts from Umpqua Bank federally insured?

Yes, your deposits are insured 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.

Umpqua Bank Access Checking Minimums

Description

Minimum Opening Deposit

Starting at $25

What fees does Umpqua Access checking charge?

This account charges a monthly maintenance fee each statement cycle of up to $5.

Umpqua Bank Access Checking Fees

Description

Monthly Service Fee

$0 - $5

Paper Statement Fee

Starting at $3

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5

NSF Fee

$35

Overdraft Item Fee

Starting at $35

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $0

Bank Teller Fee

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $35

Check Copy

$10

Foreign Transaction Fee (Debit Card)

Starting at 2%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $30

Wire Transfer Fee - International (Outgoing)

Starting at $50

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $25

Wire Transfer Fee - US Domestic (Incoming)

Starting at $15

Does Umpqua Access checking charge overdraft fees?

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

What features and perks does Umpqua Access checking offer?

This account includes the following features:

ATM rebates - This account will reimburse you for 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 checks¹ in your account with a mobile app on your smartphone.

What is the customer support email for Umpqua Access checking?

The customer support email for Umpqua Access checking is homelending@umpquabank.com.

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.

Message from Umpqua Access checking

Open a checking account that fits your lifestyle so you can access your money when you need it. Access Checking gives you flexibility, more savings options, and ATM rebates. Up to (4) non-Umpqua ATM rebates per month lets you spend your travel budget on food and fun, not fees. (3) Grow Savings or Thrive Money Market accounts, so you can plan a gap year for grown-ups. Need budgeting help? Dreaming of retiring abroad? Get our Go-To app for access to your financial expert wherever and whenever you need it.

Contact

Headquarters

111 N. Wall Street

Spokane, WA 99201

Visit Site

Email Support

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Bonus Offer

Starting at $0

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Cashback Rewards

N/A

APY (Annual Percentage Yield)

Disclaimer popup with additional information

Monthly Service Fee

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Umpqua Bank Attain Checking

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Bonus Offer

Starting at $0

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Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.01%

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Monthly Service Fee

$0 - $20

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-100

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.