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 branch, 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.
Overdraft Options
How do I enroll?
| Overdraft Protection from a Deposit Account | Overdraft Protection from a Line of Credit1 | Standard Overdraft Coverage2 | Enhanced Overdraft Coverage2 |
|---|---|---|---|
| Complete the authorization form and return it to your local branch | Automatic enrollment for check, ACH, and recurring debit card transactions | Automatic enrollment for check, ACH, recurring debit card transactions plus ATM and everyday debit card transactions | |
Does my coverage include ATM and everyday debit card transactions?
| Overdraft Protection from a Deposit Account | Overdraft Protection from a Line of Credit1 | Standard Overdraft Coverage2 | Enhanced Overdraft Coverage2 |
|---|---|---|---|
| Yes | Yes | You must complete the optional enrollment for coverage on ATM and everyday debit card transactions | Yes |
What fees apply?
| Overdraft Protection from a Deposit Account | Overdraft Protection from a Line of Credit1 | Standard Overdraft Coverage2 | Enhanced Overdraft Coverage2 | |
|---|---|---|---|---|
| What fees apply?3 | $10 per transfer If sufficient funds are not available to transfer, a standard $35 Overdraft Fee will be charged. |
$10 per transfer1 If sufficient funds are not available to transfer, a standard $35 Overdraft Fee will be charged. |
$35 Overdraft Fee if you overdraw your account by more than $10 on one business day | |
What is my protection amount?
| Overdraft Protection from a Deposit Account | Overdraft Protection from a Line of Credit1 | Standard Overdraft Coverage2 | Enhanced Overdraft Coverage2 |
|---|---|---|---|
| Up to available account balance | Up to available credit limit | Limit is dynamic and varies based on account activity | |
What are the transfer increments?
| Overdraft Protection from a Deposit Account | Overdraft Protection from a Line of Credit1 | Standard Overdraft Coverage2 | Enhanced Overdraft Coverage2 |
|---|---|---|---|
| $100 or balance of account, whichever is less | Exact amount of the transactions plus related fees | ||
Which additional overdraft protection options can be added?
| Overdraft Protection from a Deposit Account | Overdraft Protection from a Line of Credit1 | Standard Overdraft Coverage2 | Enhanced Overdraft Coverage2 |
|---|---|---|---|
Any one of the following:
|
Overdraft Protection from a Deposit Account |
|
Overdraft Protection from a Deposit Account |
Can I cancel?
| Overdraft Protection from a Deposit Account | Overdraft Protection from a Line of Credit1 | Standard Overdraft Coverage2 | Enhanced Overdraft Coverage2 |
|---|---|---|---|
| You may cancel at any time | You may change or cancel your enrollment as follows:
|
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If you have questions or would like more information, please visit any of our branches or call us at 1-866-4UMPQUA (1-866-486-7782). Please refer to the Personal Rules & Regulations Disclosure and the Overdraft Disclosure for Personal Accounts for complete Account details.
1 Subject to eligibility requirements and credit approval. Interest will accrue on amounts advanced and at the interest rate stated in the line of credit. Lines of credit may be subject to additional charges; see line of credit agreement for details.
2 Standard Overdraft Coverage is a discretionary service. Umpqua Bank is under no obligation to pay items when your account has non-sufficient funds (NSF), even if previous NSF transactions were paid. Umpqua Bank reserves the right to require you to pay an overdraft immediately. Umpqua Bank typically does not pay overdrafts if your account is not in good standing, or you are not making regular deposits. Certain account type(s) are ineligible for Standard Overdraft Coverage. Please see account disclosures for more information.
3 If you overdraw your account by more than $10 on one business day, you will be charged a fee of $35 for each check, in person withdrawal, or electronic item we pay. For personal accounts, the maximum of combined Overdraft Fees an account may be charged in one business day is $175. See Personal Rules and Regulations and Other Account Services for full details. Account type(s) which are ineligible for Standard Overdraft Coverage will not be charged Overdraft Fees, please see account disclosures for more information. Overdraft fees for overdrafts caused solely by ATM and/or everyday debit card transactions do not apply if you do not authorize coverage for these types of transactions.
4 If you have authorized Overdraft Protection from a Deposit Account and you are enrolled in Standard Overdraft Coverage, funds from the deposit account you selected will be used first to cover the overdraft. If you have authorized both Overdraft Protection from a Deposit Account AND Overdraft Protection from a Line of Credit, you must specify the order of coverage.
See Personal Rules and Regulations and Other Account Services for details.