Our lineup of personal checking accounts offers an accessible, full-service choice for every stage of life, from starting your first job to planning for retirement — and all the life that happens in between. Plus, each one offers convenient online and mobile banking, and robust digital tools.
Choose from one of four unique checking account options
Open your account online today or visit us at any branch and we’ll help you select an Umpqua checking account that fits.
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Umpqua Embark Checking
An account designed to make managing money easy
One Grow Savings account with monthly transfer 
Complimentary wire transfers Interest Complimentary cashier's checks Bonus interest on CD No international processing fees -
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Umpqua Access Checking
An account that gives you flexibility, more savings options, and ATM rebates
Three Grow Savings or Thrive Money Market accounts One incoming wire fee refund per monthly cycle Interest Complimentary cashier’s checks Bonus interest on CD No international processing fees -
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Umpqua Attain
CheckingAn interest-bearing account with premium benefits
Five Grow Savings or Thrive Money Market accounts Complimentary incoming domestic and foreign wire transfers Interest Complimentary cashier’s checks No international processing fees -
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Umpqua Embark Checking |
Umpqua Access Checking |
Umpqua Attain Checking |
Umpqua Foundation Checking |
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|---|---|---|---|---|
| Access to a dedicated Go-To Banker | ||||
| ATM owner fee rebates | Up to $10 per month when maintaining average monthly balance of $2,500 |
Up to 4 rebates per month |
Up to $25 per month |
No |
| Complimentary Savings Account | 1 |
3 |
5 |
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| Interest | ||||
| Complimentary Cashier's Checks | ||||
| Complimentary Incoming Wire Transfers | One incoming wire fee refund per monthly cycle |
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| Bonus Interest on CD | ||||
| No International Processing Fees | ||||
| Open an account |
Save time with a range of digital tools, including:
Personalized debit card controls, including transaction limits and types
Mobile check deposit
Online bill pay
Financial Tools to help you budget, track spending and pay down debt
Customized alerts for added security
Access to our Go-To live chat
Get Today’s Rates
Want to get more out of Umpqua Personal Banking?
Explore some of the other ways Umpqua can help you turn your financial goals into reality.
Online & Mobile Banking
We’ve made it simple to manage your money on your schedule.
Personal Savings
Open an account so your money can grow with you.
Credit Cards
Get a card that builds your credit and gives perks at the same time.