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Umpqua Bank


Umpqua Bank

I love this bank. When I lost my card they made it super easy to get a new one. They have also forgiven overdraft fees when I ran into financial hardships because I had previously maintained my account pretty well. I appreciate that they don't charge overdraft fees for less than $5 of insufficient funds. Whenever I get a chance to go back to Oregon and go into a physical bank, the tellers are always very nice and super helpful.

This Is Not Really An Online Bank

I attempted to open a two year CD that I saw listed here. I am not an existing customer of this bank. However, after going to the website and then calling, I learned that the two year CD could not be opened on line.
To get the two year CD I had to physically go to one of their branches to do that. Nonetheless, I would not be able to fund such a CD by ACH (most of my investable funds are at other internet banks and funds are moved by ACH). Rather, I would have to open a deposit account which could be funded by ACH, too complicated.
While there website shows online capability, it seems that is only intended for existing customers

My experiences with Umpqua Bank

I switched over to Umpqua Bank after having repeatedly been let down by Wells Fargo. I found that at Umpqua, I get a lot more personalized service. The few times I have had an issue, I have been able to get through to a human and get the problem resolved pretty quickly, instead of wading through an endless phone tree morass that you encounter with a bigger institution.

Worst Bank Ever

Bank "upgraded" its online program causing my computer to crash everytime I logged on. Bank suggested I disable my virus protection while using online banking!!!! Spent countless hours switching to their business banking platform only to run into problem after problem after problem. I have wasted dozens of hours trying to cope with this bank's choice to buy a terrible bill pay system. "World's Greatest Bank"? More last "World's Greatest Banking Nightmare".

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Health

Health Grade Components

Overall
FDIC Certificate #17266
Year Established1953
Employees3853
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD7.19%
Annual Interest Income$283.5MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$27.32B$25.85B
LoansQ1 2019vs Q1 2018$20.50B$19.47B
DepositsQ1 2019vs Q1 2018$21.37B$20.24B
Equity CapitalQ1 2019vs Q1 2018$4.40B$4.29B
Loan Loss AllowanceQ1 2019vs Q1 2018$144.8MM$141.8MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$72.9MM$69.9MM
Real Estate OwnedQ1 2019vs Q1 2018$10.5MM$13.1MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Umpqua Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Umpqua Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%--Grow Savings

Umpqua Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-Prosper Money Market with Checking
OTHER TIERS: 0.05% Up to $10k | 0.07% $10k - $100k
0.08%*$100k*-Prosper Money Market without Checking
OTHER TIERS: 0.03% Up to $10m | 0.05% $10k - $100k
0.07%*$100k*-Thrive Money Market
OTHER TIERS: 0.03% Up to $10k | 0.05% $10k - $100k

Umpqua Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%--Attain Checking

Umpqua Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%$1k-24 Month CD
2.15%$1k-13 Month CD
2.15%$1k$75k13 Month Online CD
Locations

Availability

Portland Area

Interactive local rates map


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