Bounce Guard

  • Personal checking accounts already have this service, unless you've asked us not to provide it - you may call 1-866-486-7782 or visit your neighborhood Umpqua store. Bounce Guard provides coverage for checks, recurring debit card transactions and bill payments. Your account is charged $35 for each item paid or returned up to a daily maximum.*

Bounce Guard Debit Card Coverage

  • You must sign up to receive this service. Give us a call at 1-866-486-7782 or stop by your neighborhood Umpqua store. The optional Bounce Guard Debit Card Coverage provides an additional source of coverage for ATM and everyday debit card transactions. With the Bounce Guard Debit Card Coverage and standard Bounce Guard, all types of debit card transactions would be covered for potential overdrafts.*

Overdraft Transfer Service

  • You must sign up to receive this service. Call us at 1-866-486-7782 or visit your neighborhood Umpqua store. The optional Overdraft Transfer Service serves as your primary source of overdraft coverage for your checking account, and may have lower fees than the Bounce Guard services. Your account will be charged a fee for each transfer to pay items that would potentially overdraft your account.*
*We pay overdrafts as described in our Overdraft Disclosure for Personal Accounts. We transfer funds as described in our Overdraft Transfer Disclosure and Agreement.