SuperMoney
  Umpqua Bank Embark Checking

Umpqua Bank Embark Checking

in Checking Accounts from Umpqua Bank · Member FDIC

Claimed

Umpqua Bank Embark Checking

Claimed

in Checking Accounts from Umpqua Bank · Member FDIC

Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
No one recommends Everyone recommends

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.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend Umpqua Bank Embark Checking to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
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
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • 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 does not require a minimum initial deposit.

Umpqua Bank Embark Checking Account Minimums
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.

Umpqua Bank Embark Checking Fees
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.
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

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

Umpqua Bank Embark Checking Community Reviews

 

Would you recommend Umpqua Bank Embark Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
No one recommends Everyone recommends

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.

sorted by

Other Checking Accounts

Umpqua Bank Checking Accounts

Loading...