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Umpqua Bank Embark Checking

in Checking Accounts

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Umpqua Bank Embark Checking

Unaffiliated

in Checking Accounts

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Overview

Where does Umpqua Bank Embark Checking do business?

Umpqua Bank Embark Checking is based in Roseburg, OR. It was founded in 1953 and offers checking accounts services in 5 states across the USA.

Umpqua Bank Embark Checking is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does Umpqua Bank offer?

Umpqua Bank Embark Checking is not an interest-bearing account.

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. Typically there is a limit to how much you can claim for these costs, so check the fine print if you plan to make multiple withdrawals within one month.
  • 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 receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Umpqua Bank Embark Checking allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

What fees does Umpqua Bank Embark Checking charge?

The good news is that this account does not charge a monthly maintenance fee.

  • Outgoing domestic bank transfers come with a $30 fee.
  • Incoming domestic bank transfers come with a $15 fee.
  • Outoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $15 fee.
  • Umpqua Bank Embark Checking charges $3 every time you request a paper statement.
  • Every returned deposit incurs in a $3 charge.
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...

Contact

  • Headquarters
  •   445 S.E. Main Street,
    Roseburg, OR 97470 USA
  •   Visit Site

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.

Other Services by Umpqua Bank

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 5 states
  • California
  • Idaho
  • Nevada
  • Oregon
  • Washington

Feature Breakdown

No Fees
Monthly Fee
$0
ATM Fee: In-Network
$0
Early Account Closure
$0
Debit Card Replacement Fee
$0
Bank Teller Fee
$0
Online Bill Pay Fee
$0
List of Fees
Paper Statement Fee
$3
ATM Fee: Out-of-Network
$2.50
NSF Fee
$35
Overdraft Protection Fee (per transfer)
$10
Overdraft Item Fee
$35
Returned Deposit Fee (Domestic)
$12
Stop Payment Fee
$35
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
Bank Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • Debit Card
  • Fraud Monitoring
  • Fraud Protection
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • No Monthly Maintenance Fee

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APY 0% APY
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Monthly Fee $20 Monthly Fee
ATM Fee: Out-of-Network $2.50 ATM Fee: Out-of-Network
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APY 0.01% APY