If you bank with us, most business checking and money market accounts automatically come with Bounce Guard. Bounce Guard provides overdraft services for check, bill payment, ATM, everyday debit card and recurring debit card transactions. We pay overdrafts at our discretion, as defined in our Overdraft Disclosure.
There is no fee to sign up for Bounce Guard. Your account is charged a fee per item paid or returned. You may waive Bounce Guard by visiting your neighborhood Umpqua store or calling 1-866-486-7782.
Overdraft Transfer Service
An optional service that may have lower fees is the Overdraft Transfer Service. The Overdraft Transfer Service allows for an overdrawn balance in any business checking or money market account to be avoided by transferring available funds held in a business savings, money market, another checking account or Line-of-Credit. Your account will be charged a fee per each transfer to pay items that would overdraft your business checking or money market account. Transfers occur in $100 increments. You must sign up to receive the service; please see our Overdraft Transfer Disclosure and Agreement. Call us at 1-866-486-7782 or visit your neighborhood Umpqua store.