How can I avoid having important checks I write, like my rent check being returned unpaid?

We offer two options to avoid checks being returned unpaid: Bounce Guard Debit Card Coverage and Overdraft Transfer Service.

Bounce Guard Debit Card Coverage provides coverage for checks, recurring debit card transactions and bill payments. Bounce Guard Debit Card Coverage is included with most checking accounts. Your account is charged a fee for each item paid or returned up to a daily maximum.

Overdraft Transfer Service allows for an overdrawn balance in any checking or money market account to be avoided by transferring available funds held in a savings, money market, another checking account or line-of-credit. Your account will be charged a fee for each transfer. Once established, the Overdraft Transfer Service serves as your primary source of overdraft coverage.

We pay overdrafts at our discretion, as defined in our Overdraft Disclosure for Personal Accounts. You may opt-out of or waive any overdraft service by visiting your local store or calling 1-866-4UMPQUA.

Would there be a reason to get both Bounce Guard Debit Card Coverage and Overdraft Transfer Service?

If you've linked your account to another savings or checking account or a line of credit, Overdraft Transfer Service will be used as your primary source of overdraft coverage. Signing up for Bounce Guard Debit Card Coverage would serve as an additional source of coverage in the event that you exhaust your checking or savings account balance or line of credit.

What if I have multiple personal checking accounts?

The overdraft coverage you select is applied on an individual account basis. You will need to sign up for coverage for each of the personal checking account you have. (Give us a call or stop by your Umpqua store and we'd be happy to do it for you.)

If I select Bounce Guard Debit Card Coverage, am I charged a fee if I don't overdraft?

Nope! Selecting Bounce Guard Debit Card Coverage means the coverage is available, but you won't be charged a fee unless you use it. The same is true for Overdraft Transfer Service.

What happens if I don’t sign up for any overdraft services?

Most personal checking accounts automatically include Bounce Guard Debit Card Coverage. Bounce Guard Debit Card Coverage provides overdraft services for checks, recurring debit card transactions, and bill payments (see the Overdraft Disclosure for Personal Accounts for more information). ATM withdrawals and everyday debit card transactions may be declined if you don't have enough funds in your account.
Note: We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any type of overdraft transaction.

More questions? Call us at 1-866-486-7782 or visit your neighborhood Umpqua store.