Personal Banking 


The right fit for your life, family and financial needs

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.

See our digital tools


Choose from one of four 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 Embark Checking

Umpqua Access Checking

Umpqua Attain Checking

Umpqua Foundation Checking

Access to a dedicated Go-To Banker
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


Complimentary Savings Account

Grow Savings with monthly transfer

Grow Savings or Thrive Money Market

Grow Savings or Thrive Money Market

Complimentary Cashier's Checks
Complimentary Incoming Wire Transfers

One incoming domestic or foreign wire transfer refund per monthly cycle

No International Processing Fees
Open an account

Save time with a range of digital tools, including: 

Credit card

Personalized debit card controls, including transaction limits and types

Mobile check deposit

Mobile check deposit

Online bill pay

Online bill pay

Financial Tools

Financial Tools to help you budget, track spending and pay down debt

Customized alerts

Customized alerts for added security

Go-To Chat

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.

Cell phone


Online & Mobile Banking


We’ve made it simple to manage your money on your schedule.

Piggy bank


Personal Savings


Open an account so your money can grow with you.

Credit card


Credit Cards


Get a card that builds your credit and gives perks at the same time.