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  Umpqua Bank Embark Checking

Umpqua Bank Embark Checking

in Checking Accounts from Umpqua Bank · fdic

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Umpqua Bank Embark Checking

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in Checking Accounts from Umpqua Bank · Member FDIC

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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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 Service Charge.
  • Up to $10 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 Bank Embark checking Pros & Cons
Pros Cons
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • No ATM access to Umpqua Bank Embark Checking.
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
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 requires a minimum initial deposit of $25 to open an account.

Umpqua Bank Embark checking Account Minimums
Description Amount
Minimum Opening Deposit $25

What fees does Umpqua Bank Embark checking charge?

The good news is that this account does not have a monthly Service Charge.

Umpqua Bank Embark Checking Fees
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 reimbursement - 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.

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.
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...
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

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 $0
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
ATM Reimbursement Monthly Limit 10
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
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC

Umpqua Bank Embark Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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