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  Umpqua Bank Access Checking

Umpqua Bank Access Checking

in Checking Accounts

Unaffiliated

Umpqua Bank Access Checking

Unaffiliated

in Checking Accounts

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Overview

Where does Umpqua Bank Access Checking do business?

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

Umpqua Bank Access Checking is a member of 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 if a member institution fails.

What APY does Umpqua Bank offer?

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

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. Typically there is a limit to how much you can claim for these costs, so check the fine print if you plan to make multiple withdrawals within one month.
  • 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 receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Umpqua Bank Access Checking allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

What fees does Umpqua Bank Access Checking charge?

This account charges a monthly maintenance fee of $5.

  • Outgoing domestic bank transfers come with a $30 fee.
  • Incoming domestic bank transfers come with a $15 fee.
  • Outoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $15 fee.
  • Umpqua Bank Access Checking charges $3 every time you request a paper statement.
  • Every returned deposit incurs in a $3 charge.
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...

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

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
No Fees
ATM Fee: In-Network
$0
Early Account Closure
$0
Debit Card Replacement Fee
$0
Bank Teller Fee
$0
Online Bill Pay Fee
$0
List of Fees
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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Monthly Fee

ATM Fee: Out-of-Network

Minimum Balance to Avoid Monthly Fee

APY

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