How will I know that I'm on Umpqua's site and not a fraudulent one?

You'll log in using your login ID, password and a six-digit single-use "secure access code". This will help identify that you are on our website, not a fraudulent look-alike site.

To get started, launch your web browser (Microsoft®  Internet Explorer®, Mozilla®  Firefox®, Google Chrome TM or Safari™), go to www.UmpquaBank.com. Visit Personal Online Banking Security and Browser System Requirements for details on system requirements.

  1. Enter Login ID
    • From the Log in to online banking drop-down menu in the top right of your screen, select Personal. This may be preselected on future visits.
    • Enter your Umpqua Login ID and click the Log in button. 
  2. Enter Password:
    • Enter your Umpqua Password and click the Login button.
  3. Secure Access Code
    • When logging in to online banking for the first time or any time from an unregistered device, you will be asked for a six-digit, single-use Secure Access Code (SAC) delivered outside of the online/mobile banking session via an automated phone call or text message in order to complete your authentication into our service.
    • Select a target delivery location (phone, SMS/text) for a Secure Access Code.
    • Enter the Secure Access Code you received.
    • After we validate the SAC, you'll be presented with two options 1) Do Not Register Device; and 2) Register Device. You should only select Register Device, if using a private device that only you will use. This will eliminate the need for this step in future logins. If using a public or shared device, you should select Do Not Register Device.

Why do I need to enter a secure access code each time I log in?

Umpqua's secure sign-in ensures only authorized individuals can access their financial information within Umpqua online services, providing you an extra layer of security. When logging in to online and mobile banking for the first time or any time from an unregistered device, you will be asked for a six-digit, single-use Secure Access Code (SAC) delivered outside of the online/mobile banking session via an automated phone call or text message in order to complete your authentication into our service. After we validate the SAC, you'll be presented with two options 1) Do Not Register Device; and 2) Register Device. You should only select Register Device, if using a private device that only you will use. This will eliminate the need for this step in future logins. If using a public or shared device, you should select Do Not Register Device.

Note: To maintain your device registration, your browser must be configured to accept and retain cookies from Umpqua Bank. If your device is set up to regularly deletes cookies or has an automated program that does so, you will be prompted to register your device after that deletion occurs. Please see your browser "help" for assistance in accepting cookies or contact us at 1-866-4UMPQUA for assistance.

Once I receive my single-use secure access code, how long do I have before it expires?

Your six-digit single-use Secure Access Code is valid for 20 minutes and cannot be reused. If the code expires before you are able to enter it, you will need to log in to Umpqua online or mobile banking again for a new secure access code.

I registered my device during a previous log in, but the system is asking me to register it again. Why?

There are several reasons this may happen, including:

- Your browser settings are set to delete cookies, or your browser cookie for online banking has been deleted since the last time you logged in.

Note: If your device is set up to regularly deletes cookies or has an automated program that does so, you will be prompted to register your device after that deletion occurs.

- You are logging in via a different browser on the same registered device. Each browser (i.e. Chrome/Internet Explorer/Firefox/Safari/) must be individually registered.

How do I remove the registration from a device that is no longer mine?

You can remove the registration of a device/browser by deleting your cookies, or only the cookie related to our online site. Please see your browser help for assistance in deleting cookies.