Bounce Guard

If you bank with us, most business checking accounts automatically come with Bounce Guard. Bounce Guard for Business 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 for Business Accounts.

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 most business checking accounts to be avoided by transferring available funds held in another business deposit account or Line-of-Credit. Your account will be charged a fee for each transfer to pay items that would overdraft your business checking account, and LOC transfers will also incur interest charges at LOC current interest rate. Transfers occur in $100 increments. You must sign up to receive the service; please see our Overdraft Transfer Authorization. Call us at 1-866-486-7782 or visit your neighborhood Umpqua store.