Our lineup of personal checking accounts offers an accessible, full-service choice for every stage of life, from starting your first job to planning for retirement — and all the life that happens in between. Plus, each one offers convenient online and mobile banking, and robust digital tools.
Choose from one of three unique checking account options
Open your account online today or visit us at any branch and we’ll help you select an Umpqua checking account that fits.
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Umpqua Foundation Checking
A great fit for customers who are new to banking or are restarting their banking journey
Debit card and online/mobile banking access. No ongoing minimum balance requirement No overdraft fees BankOn certified – ensuring safe and affordable access
$25 minimum to open. $3 monthly maintenance fee waived if primary account owner is under 18 and for military service members and affiliates. -
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Umpqua Embark Checking
An account designed to make managing money easy
One Grow Savings account with monthly transfer Up to $10 in ATM-Owner fee rebates per statement cycle when maintaining average monthly balance of $2,500 
Complimentary wire transfers Interest Complimentary cashier's checks No international processing fees
$25 minimum to open. $3 monthly statement fee waived if primary owner is age 62 or older, or with paperless enrollment. -
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Umpqua Pinnacle
CheckingAn interest-bearing account with premium benefits
Up to five Grow Savings or Thrive Money Market Accounts Up to $25 in ATM-Owner fee rebates per statement cycle Complimentary incoming domestic and foreign wire transfers Interest Complimentary cashier’s checks No international processing fees Platinum Debit Card Higher online transaction limits for services like Zelle® and bank transfers
$200 minimum to open. $20 monthly maintenance fee waived when requirements are met.
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Umpqua Embark Checking |
Umpqua Pinnacle Checking |
Umpqua Foundation Checking |
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|---|---|---|---|
| Access to a dedicated Go-To Banker | |||
| ATM owner fee rebates | Up to $10 per statement cycle when maintaining average monthly balance of $2,500 |
Up to $25 per statement cycle |
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| Complimentary Savings Account | 1 |
5 |
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| Interest | |||
| Complimentary Cashier's Checks | |||
| Complimentary Incoming Wire Transfers | |||
| No International Processing Fees | |||
| Open an account |
Save time with a range of digital tools, including:
Personalized debit card controls, including transaction limits and types
Mobile check deposit
Online bill pay
Financial Tools to help you budget, track spending and pay down debt
Customized alerts for added security
Access to our Go-To live chat
Get Today’s Rates
Want to get more out of Umpqua Personal Banking?
Explore some of the other ways Umpqua can help you turn your financial goals into reality.
Online & Mobile Banking
We’ve made it simple to manage your money on your schedule.
Personal Savings
Open an account so your money can grow with you.
Credit Cards
Get a card that builds your credit and gives perks at the same time.
