Umpqua Bank Embark Checking
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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $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 Service Charge.
- Up to $10 in 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 Bank Embark checking Pros & Cons
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Umpqua Bank Embark 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 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 requires a minimum initial deposit of $25 to open an account.
| Description | |
|---|---|
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | $0 |
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
What fees does Umpqua Bank Embark checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| ATM Reimbursement Monthly Limit | 10 |
| Bank Teller Fee | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| Foreign Transaction Fee (Debit Card) | 2% |
| Monthly Fee | $0 |
| NSF Fee | $35 |
| Online Bill Pay Fee | $0 |
| 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 |
Does Umpqua Bank Embark checking charge overdraft fees?
Yes, Umpqua Bank Embark checking charges a $35 fee for every overdraft.Umpqua Bank Embark checking offers overdraft protection at a cost of $10 per transaction.
What features and perks does Umpqua Bank Embark checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $10.
- Fraud monitoring - Umpqua Bank Embark 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 Bank Embark 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 Bank Embark checking?
The customer support email for Umpqua Bank Embark checking is homelending@umpquabank.com.
How do people rate the customer service and user experience of Umpqua Bank Embark checking?
Overall, Umpqua Bank Embark checking is strongly recommended based on community reviews that rate customer service and user experience.
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.
Message From Umpqua Bank
Contact
- Headquarters
-
111 N. Wall Street
Spokane, WA 99201 - Visit Site
- Email Support
Other Services by Umpqua Bank
View all checking accounts offered by Umpqua Bank
Availability
Available in 5 states
- California
- Idaho
- Nevada
- Oregon
- Washington
Feature Breakdown
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | $0 |
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Umpqua Bank Embark Checking Community Reviews
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