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 1-866-486-7782 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.
Customers may opt-out of any or all overdraft services by calling 1-866-486-7782 or visiting your neighborhood Umpqua store.
1Whether 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.
2Once 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.
3Lines of credit subject to credit approval. Line of credit transfers will incur interest charges at current Line of Credit interest rate.