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You have choices when it comes to protecting your accounts. Review our Overdraft Protection options or speak with a representative to find the solution that’s best for you.

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Overdraft Transfer
from a Deposit Account 		Overdraft Transfer
from a Line of Credit1 		Overdraft Coverage Program2
How do I enroll? Complete the authorization form and return it to your local branch. Automatic enrollment for check, ACH and recurring debit card transactions, ATM and everyday debit card transactions.
What fees apply?3
$10 per transfer $2 per transfer
If sufficient funds are not available to transfer, a standard $35 Overdraft Fee or Returned Item Fee will be charged. Continuous Overdraft Charges may apply.

$35 Overdraft Fee

If you overdraw your account by more than $10 on one business day. Continuous Overdraft Charges may apply.
What is my protection amount? Up to available account balance Up to available credit limit Limit is dynamic and varies based on account activity
What are the transfer increments? $50 or balance of account, whichever is less $50 or available credit limit, whichever is less Exact amount of the transactions, plus related fees
Which additional overdraft protection options can be added?4 Any one of the following:
  • Overdraft Transfer from a Line of Credit
  • Overdraft Coverage Program
    		•  Overdraft Transfer from a Deposit Account Overdraft Transfer from a Deposit Account
    Can I cancel? You may cancel at any time.

    1 Subject to eligibility requirements and credit approval. Interest will accrue on amounts advanced and at the interest rate stated in the line of credit agreement. Lines of credit may be subject to additional charges; see line of credit agreement for details.

    2 The Overdraft Coverage Program is a discretionary service. Umpqua Bank is under no obligation to pay items when your account has non-sufficient funds (NSF), even if previous NSF transactions were paid. Umpqua Bank reserves the right to require you to pay an overdraft immediately. Umpqua Bank typically does not pay overdrafts if your account is not in good standing or you are not making regular deposits.

    3 If you overdraw your account by more than $10 on one business day, you will be charged a fee of $35 for each check, in person withdrawal or electronic item we pay or return. See Deposit Account Agreement and Services and Fees Schedule for full details.

    4 If you have authorized Overdraft Transfer from a Deposit Account and you are enrolled in the Overdraft Coverage Program, funds from the deposit account you selected will be used first to cover the overdraft. If you have authorized both Overdraft Transfer from a Deposit Account AND Overdraft Transfer from a Line of Credit, you must specify the order of coverage.

    See Deposit Account Agreement and Services and Fee Schedule for details.

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    Umpqua Bank is the successor in interest to Columbia State Bank, doing business as Columbia Bank. You are now banking with Umpqua Bank. Deposits formerly held at Columbia Bank are not separately insured. These deposits are subject to Umpqua Bank’s FDIC deposit insurance coverage.