Personal Checking Overdraft Services

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.

Explore Umpqua's overdraft service options in the chart below, then visit your neighborhood Umpqua store, or call us at (866) 486-7782 to discuss which coverage is right for you. You can also reference our handy tips to prevent and handle overdrafts for ways to prevent overdrafts from occurring.

	Details	Checks	Bill Payments and ACH Items	Recurring Debit Card Transactions	ATM Withdrawals and One-Time Debit Card Transactions	Cost
Bounce Guard¹	Most checking accounts come with Bounce Guard.	X	X	X		You are only charged a fee if you use the service. $35 per overdraft.
Bounce Guard Debit Card Coverage¹	Optional service. When added to Bounce Guard, Everyday Debit Card and ATM transactions are covered.				X	You are only charged a fee if you use the service. $35 per overdraft.
Overdraft Transfer from a Deposit Account²	Optional service that links your primary account to another Umpqua Deposit account to cover overdrafts. Transfers occur in $100 increments.	X	X	X	X	You are only charged a fee if you use the service. $10 per transfer.
Overdraft Transfer from a Line of Credit^2,3	Optional service that links your primary account to an Umpqua Line-of-Credit account to cover overdrafts. Transfers occur in $100 increments.	X	X	X	X	You are only charged a fee if you use the service. $10 per transfer.

Customers may opt-out of any or all overdraft services by calling (866) 486-7782 or visiting your neighborhood Umpqua store.

^{¹ Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we may not pay overdrafts if your account is not in good standing or you have too many overdrafts. Once your account becomes overdrawn, you are obligated to bring your account to a positive balance promptly. For more information, see the Overdraft Disclosure for Personal Accounts.}
^{² Once established, the Overdraft Transfer Service will serve as the primary source of overdraft coverage and may have lower fees than the Bounce Guard Services. For more information, see the Overdraft Transfer Service Agreement.}
^{³ Lines of credit subject to credit approval. Line-of-credit transfers will incur interest charges at current Line of Credit interest rate.}