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  Umpqua Bank Attain Checking

Umpqua Bank Attain Checking

in Checking Accounts from Umpqua Bank · fdic

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Umpqua Bank Attain Checking

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in Checking Accounts from Umpqua Bank · Member FDIC

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Highlights
Monthly Fee $0 - $20
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee $15,000
APY (Annual Percentage Yield) 0.01%

Umpqua Bank Attain Checking Review

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

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $20, but the fee is waived if you keep a minimum balance of $15,000.
  • $200 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Up to $25 in 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 Attain checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • No ATM access to Umpqua Bank Attain Checking.
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Umpqua Attain 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 Attain checking offer?

Umpqua Bank Attain Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

Umpqua Attain checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $0.01.

What are the account minimums for Umpqua Attain checking?

Umpqua Attain checking requires a minimum initial deposit of $200 to open an account.

Umpqua Attain checking Account Minimums
Description Amount
Minimum Opening Deposit $200
APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Service Fee $25,000
Minimum Balance to Avoid Monthly Service Fee $15,000

What fees does Umpqua Attain checking charge?

This account charges a monthly service fee of up to $20.

Umpqua Bank Attain Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit 25
Bank Teller Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 2.5%
Monthly Fee $0 - $20
NSF Fee $35
Online Bill Pay Fee $0
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $0
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 Attain checking charge overdraft fees?

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

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

What features and perks does Umpqua Attain checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
  • Fraud monitoring - Umpqua Attain 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 Attain 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.
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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 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.

Availability

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

Feature Breakdown

APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Opening Deposit Starting at $200
Minimum Balance to Avoid Monthly Fee $15,000
ATM Fee: In-Network $0
Bank Teller Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Paper Statement Fee $0
ATM Reimbursement Monthly Limit 25
Foreign Transaction Fee (Debit Card) 2.5%
Monthly Fee $0 - $20
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $10
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
  • Interest Bearing Account
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Member FDIC
APY (Annual Percentage Yield) 0.01%

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