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.