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Easy banking for complicated lives.

Choose a checking account that fits your life, not the other way around.

  • Embark Checking

    Simple and straightforward, a perfect account for anyone looking for no-frills banking.

     

    • No monthly maintenance fee
    • $3 per month for paper statements / $0 if you go paperless
    • Up to $10 in non-Umpqua ATM rebates per month with $2,500+ average balance
    • Grow Savings account with no monthly maintenance fee when you make at least one monthly transfer
  • Access Checking

    Our most versatile bank account, Access has the tools you need to manage your money your way.

     

    • $5 monthly pricing, or $0 with one $500+ direct deposit or other qualifying activity
    • $3 per month for paper statements / $0 if you go paperless
    • Up to 4 non-Umpqua ATM rebates per month
    • Up to 3 complimentary Grow Savings accounts or Thrive Money Market accounts
  • Attain Checking

    An interest-bearing checking account with premium rewards and additional services.

     

    • $20 monthly pricing, or $0 with $15,000 minimum daily balance or $25,000 combined balance
    • Up to $25 in non-Umpqua ATM rebates per month
    • Up to 5 complimentary Grow Savings accounts or Thrive Money Market accounts
  Embark Checking Access Checking Attain Checking
ATM owner fee rebates

Up to $10 per month when maintaining average monthly balance of $2,500

Up to 4 rebates per month

Up to $25 per month

Interest
Check benefits
Complimentary Savings Account

1
Grow Savings with monthly transfer

3
Grow Savings or Thrive Money Market

5
Grow Savings or Thrive Money Market

Complimentary Cashier's Checks
Complimentary Incoming Wire Transfers

One incoming wire fee refund per monthly cycle

Safe Deposit Box Annual Rental Discount

$35

Bonus Interest on CD
Minimum to Open

$25

$25

$200

Monthly Maintenance

No monthly maintenance fee

$5 per month

$0 per month with 10+ debit card purchases/payments per month, or with one direct deposit of $500+, or with one mobile deposit of $250+ 

$20 per month

$0 per month with $15,000 minimum daily balance, or $25,000 combined balance

Statement Options

$3 per month for paper statements; waived if primary signer is 62 or older

$0 when enrolled for paperless statements

Account details

$3 per month for paper statements

$0 when enrolled for paperless statements

Account details

$0 per month for paper or paperless statements

Account details

Personal Online & Mobile Banking

We can’t be on every corner, so we'll settle on being in every pocket.

Serene Fung (right) comes into Umpqua almost daily to say hello, grab coffee and talk about the latest neighborhood happenings with Associate, Grace Robinson (left).
  • Mobile check deposits from anywhere
  • Instant internal transfers to move money when you're on the move
  • Custom alerts to keep you in the know
  • Secure touch login for when you can’t remember that pesky password
Serene Fung (right) comes into Umpqua almost daily to say hello, grab coffee and talk about the latest neighborhood happenings with Associate, Grace Robinson (left).
Overdraft Services

We’re looking out for you.

Film student, Stone (right), often skateboards into his Umpqua store with a smile on his face, always ready to chat with associates like Tyler Flores-Tucker (left).

Unanticipated expenses happen. Unforeseen problems arise. Our overdraft services help cover you when you don't have enough cash in your checking account, so you can avoid your debit card being declined or the cost of a returned check.

Film student, Stone (right), often skateboards into his Umpqua store with a smile on his face, always ready to chat with associates like Tyler Flores-Tucker (left).