Do you use your Umpqua Bank Debit Card to withdraw cash or make purchases?

Do you have another Umpqua personal checking account, savings account or line of credit?

Would you be willing to open another checking account, savings account or line of credit?

Based on your answers, you may want to consider Overdraft Transfer and the Debit Card Overdraft Service.

Overdraft Transfer Service links another Umpqua account to your checking account, and transfers funds to cover any type of overdraft. Once established, Overdraft Transfer Service serves as your primary source of overdraft coverage for your checking account, and may have lower fees than the Bounce Guard Coverage service.

Bounce Guard Debit Card Coverage provides overdraft services for everyday debit card and ATM transactions. $35 for each overdraft paid or returned.

The chart below shows all available service options.
Checking accounts automatically come with the Bounce Guard Debit Card Coverage service which covers checks, recurring debit card payments, and bill payments. In order for Bounce Guard Debit Card Coverage to pay ATM and everyday debit card transactions, you must opt-in to our Debit Card Overdraft Services.
Another option is Overdraft Transfer Service.

Monitoring your account balances is easy with account alerts, mobile banking, telephone banking, online banking and account transaction downloads.




*We pay overdrafts as described in our Overdraft Disclosure for Personal Accounts. Customers may waive any or all overdraft services by calling 1-866-486-7782 or visiting your neighborhood Umpqua store.
**There is no set up charge for Overdraft Transfer Service. However, set up fees may apply to open a line-of-credit. For more information, see the Overdraft Transfer Service Disclosure and Agreement.
Looks like you don't use your Umpqua Bank Debit Card for ATM withdrawals or purchases. Your checks and billpayments will continue to be covered automatically (described in our Overdraft Disclosure) with Bounce Guard, $35 for each overdraft paid or returned.

Monitoring your account balances is easy with account alerts, mobile banking, telephone banking, online banking and account transaction downloads.

Another service to consider is Overdraft Transfer Service, that allows for an overdrawn balance in any checking account to be covered by transferring funds held in a savings, another checking account or line-of-credit, providing such accounts have sufficient balance to cover the overdraft balance. Once established, Overdraft Transfer Service serves as your primary source of overdraft coverage for your checking account, and may have lower fees than the Bounce Guard Coverage service.

Take a look at the chart below for more information.

The chart below can be expanded to include details for all available types of Umpqua overdraft services.
Looks like you don't use your Umpqua Bank Debit Card for ATM withdrawals or purchases. Your checks and billpayments will continue to be covered automatically (described in our Overdraft Disclosure for Personal Accounts and the Overdraft Transfer Service Disclosure and Agreement) with Bounce Guard Coverage, $35 for each overdraft paid or returned.

Another service to consider is Overdraft Transfer Service, that allows for an overdrawn balance in any checking account to be covered by transferring funds held in a savings, another checking account or line-of-credit, providing such accounts have sufficient balance to cover the overdraft balance. Once established, Overdraft Transfer Service serves as your primary source of overdraft coverage for your checking account, and may have lower fees than the Bounce Guard Coverage service.

Take a look at the chart below for more information.
Looks like you don't use your Umpqua Bank Debit Card for ATM withdrawals or purchases. Your checks and billpayments will continue to be covered automatically (described in our Overdraft Disclosure with Bounce Coverage,  $35 for each overdraft paid or returned.

Another service to consider is Overdraft Transfer Service, that allows for an overdrawn balance in any checking account to be covered by transferring funds held in a savings, another checking account or line-of-credit, providing such accounts have sufficient balance to cover the overdraft balance. Once established, Overdraft Transfer Service serves as your primary source of overdraft coverage for your checking account, and may have lower fees than the Bounce Guard Coverage service.

Take a look at the chart below for more information.

The chart below can be expanded to include details for all available types of Umpqua overdraft services.
Based on your answers, you may want to consider Overdraft Transfer Service. This service links another Umpqua account to your checking account, and transfers funds to cover any type of overdraft. Once established, Overdraft Transfer Service serves as your primary source of overdraft coverage for your checking account, and may have lower fees than the Bounce Guard Coverage service.

The chart below can be expanded to include details for all available types of Umpqua overdraft services.
Looks like you don't use your Umpqua Bank Debit Card for ATM withdrawals or purchases. Your checks and billpayments will continue to be covered automatically (described in our Overdraft Disclosure) with Bounce Guard Debit Card Coverage ($35 for each overdraft paid; $7 additional per business day if account is overdrawn for 4 business days in a row).

Another service to consider Overdraft Transfer Services ($10 Per Transfer), which links another Umpqua account to your checking account, and transfers funds to cover any type of overdraft. Overdraft Transfer Service serves as your primary source of coverage and has lower fees than Bounce Guard Debit Card Coverage.

Take a look at the chart below for more information.

The chart below shows one service option, but can be expanded to include details for all available types of Umpqua overdraft services.
Not interested in linking to another Umpqua account for overdrafts? No worries. There's an optional coverage-Debit Card Overdraft Service-that can be used to supplement Bounce Guard Debit Card Coverage by covering overdrafts from ATM withdrawals and everyday debit card transactions.*

Monitoring your account balances is easy with account alerts, mobile banking, telephone banking, online banking and account transaction downloads.

Based on your answers to our questions, you may want to consider the coverage we've highlighted in the chart below.
Details Checks Other Debit Payments ATM Withdrawals One-time Debit Card Transactions Cost

Bounce Guard

You have it!

Automatically included with your personal checking account*. X X No setup charge. You are only charged a fee if you use the service. $35 per overdraft.

Bounce Guard Debit Card Coverage 

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Optional service. When added to Bounce Guard, all types of debit card transactions are covered*. X X No setup charge. You are only charged a fee if you use the service. $35 per overdraft.

Overdraft Transfer Service

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Optional coverage that allows you to link your account to another Umpqua savings or checking account, or a line of credit, that will be used to cover overdrafts*. Transfers occur in $100 increments. X X X X No setup charge.** $10 per transfer. LOC transfers will also incur interest charges at LOC current interest rate.