Umpqua Bank Access Checking Review
Umpqua Bank Access Checking is offered by Umpqua Bank,
founded in 1953 and based in Spokane, WA.
Umpqua Bank Access Checking is available in
5 states across the USA.
- 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 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 through Umpqua Bank.
Umpqua Access checking Pros & Cons
- 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, this account is 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 Bank Access Checking Minimums
|Minimum Direct Deposit to Avoid Monthly Fee
|Minimum Opening Deposit
||Starting at $25
What fees does Umpqua Access checking charge?
This account charges a monthly service fee of up to $5.
Umpqua Bank Access Checking Fees
|ATM Fee: In-Network
|Bank Teller Fee
|Debit Card Replacement Fee
|Early Account Closure
|Foreign Transaction Fee (Debit Card)
||$0 - $5
|Online Bill Pay Fee
|Overdraft Item Fee
|Overdraft Protection Fee (per transfer)
|Paper Statement Fee
|Returned Deposit Fee (Domestic)
|Returned Deposit Fee (International)
|Stop Payment Fee
|Wire Transfer Fee - Domestic (Incoming)
|Wire Transfer Fee - Domestic (Outgoing)
|Wire Transfer Fee - International (Incoming)
|Wire Transfer Fee - International (Outgoing)
|ATM Fee: Out-of-Network
||Starting at $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 rebates - 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.
What is the customer support email for Umpqua Access checking?
The customer support email for Umpqua Access checking is email@example.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.
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