We offer two options to avoid checks being returned unpaid: Bounce Guard Coverage and Overdraft Transfer Service.
Bounce Guard Coverage provides coverage for checks, recurring debit card transactions and bill payments. Bounce Guard Coverage is automatically included with most checking accounts. Your account is charged a fee for each item paid or returned up to a daily maximum. To ensure your everyday debit card and ATM transactions are approved, you also have the option to opt-in for Bounce Guard Debit Card coverage.
Overdraft Transfer Service allows for an overdrawn balance in your checking account to be avoided by transferring available funds held in another deposit 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.