Welcome to CoWorks


Exclusive Rewards From Your Employer and Umpqua Bank

Make the Most of Your Money

Take your personal finances to the next level for yourself, your family, and your future with Umpqua CoWorks—an exclusive rewards program offered by your employer. Through CoWorks, you get cash back when opening a new Umpqua account, as well as premium pricing and financial education tools and rescources.

Get started


Benefits Include:

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New Account Cash Back

Get $300 back when you open a new checking account with Umpqua Bank and complete one of the following within 90 days:


  • Deposits totaling $500 or more

  • Ten (10) or more posted debit card purchases or payments using your Umpqua Bank Platinum Debit Card


See below for details

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A Consumer Checking Account with Premium Features

Enjoy added benefits only available through CoWorks.


  • No monthly pricing with paperless statement enrollment

  • Up to $10 in ATM fee rebates monthly

  • Platinum debit card

  • Free initial order of Harland-Clarke checks (select styles only)

Exclusive Pricing

By participating in CoWorks, you get access to premium deposit rates, loan discounts, and more.

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Complimentary Savings Account

  • Receive a Grow Savings account with no monthly maintenance charge when you complete a monthly transfer from your Embark Checking to your Grow Savings. Qualifying transfers can be made via online/mobile banking, telephone banking, or scheduled as an automatic transfer.


Premium Deposit Rates

  • Enjoy premium deposit rates on a Thrive Money Market Account.

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Consumer Loan Discount


  • No origination or annual fees for consumer loans

  • HELOCs (Home Equity Lines of Credit), personal loans, and auto loans receive a rate discount up to 1%. May not be combined with any other offer.

  • No fee on the SmartLock option for HELOCs. Lock in a fixed rate on your HELOC balances to eliminate the risk of future variable rate changes.

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Home Lending Closing Cost Benefit

  • Full range of loan program options for home purchase, refinance, construction, and renovation

  • You may qualify for a lender credit up to 1% of the loan amount

All loans subject to credit approval

Personal finance can be an intimidating topic but the more you know, the more you can do with your money. Working together, in partnership with Banzai, Umpqua offers free financial literacy tools and education to help you feel more secure making financial decisions—and take control of your future.

  • Powerful calculators to help you crunch the numbers and get the answers you need to make big financial decisions

  • Coaching sessions with a virtual mentor to guide you through financial scenarios.

  • Financial articles that break everything down to what you need to know and how options can impact you.

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Join CoWorks Today

Talk to your employer to get started and unlock new benefits for you and your future.

Sign up now