Umpqua Bank Embark Checking
in Checking Accounts from Umpqua Bank · Member FDIC
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| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| APY (Annual Percentage Yield) | 0% |
Umpqua Bank Embark Checking Review
Umpqua Bank Embark Checking is offered by Umpqua Bank, a bank founded in 1953 and based in Spokane, WA. Umpqua Bank Embark Checking is available in 5 states across the USA.
Key Takeaways
- 0% APY. As with most checking accounts, Umpqua Bank Embark Checking does not pay interest.
- $0 monthly fee. This account does not charge a monthly maintenance fee.
- ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions
- Free bill pay. Pay your bills to practically anyone in the United States through Umpqua Bank.
- Hard credit pull. Umpqua Bank may require a hard pull on your credit report to open a checking account.
Umpqua Bank Embark Checking Pros & Cons
| Pros | Cons |
|---|---|
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Umpqua Bank Embark 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 Bank Embark Checking offer?
Umpqua Bank Embark Checking is not an interest-bearing account.
What are the account minimums for Umpqua Bank Embark Checking?
Umpqua Bank Embark Checking does not require a minimum initial deposit.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $0 |
What fees does Umpqua Bank Embark Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| Paper Statement Fee | $3 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $2.50 |
| NSF Fee | $35 |
| Overdraft Protection Fee (per transfer) | $10 |
| Overdraft Item Fee | $35 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $12 |
| Debit Card Replacement Fee | $0 |
| Bank Teller Fee | $0 |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $35 |
| Check Image Service | N/A |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | 2% |
| 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 |
What features and perks does Umpqua Bank Embark Checking offer?
This account includes the following features:
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
- Fraud monitoring - Umpqua Bank Embark 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 pay bills easily from your account.
- Mobile Banking Services - Umpqua Bank Embark Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
Umpqua Bank Embark Checking Disclosure:
Umpqua Bank waives the paper statement charge if you are 62 or older or with paperless enrollment.
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. Receive up to $10 per
month in ATM-Owner fee
rebates when maintaining an
average monthly account
balance of $2,500. Rebates will
be credited to your Embark
Checking account at statement
cycle.
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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.
Contact
- Headquarters
-
111 N. Wall Street
Spokane, WA 99201 USA - (800) 650-7141
- Visit Site
Other Services by Umpqua Bank
View all checking accounts offered by Umpqua Bank
Message From Umpqua Bank
Availability
Available in 5 states
- California
- Idaho
- Nevada
- Oregon
- Washington
Feature Breakdown
| ATM Fee: In-Network | $0 |
| Bank Teller Fee | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| Monthly Fee | $0 |
| Online Bill Pay Fee | $0 |
| Foreign Transaction Fee (Debit Card) | 2% |
| 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 |
Umpqua Bank Embark Checking Community Reviews
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