Umpqua Bank Attain Checking
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| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.01% (Verified 12/09/2023) |
| Monthly Maintenance Fee |
$0 - $20 (Verified 12/08/2023) |
| Minimum Balance to Avoid Monthly Fee | Starting at $15,000 |
Umpqua Bank Attain Checking Review
Umpqua Bank Attain Checking is offered by Umpqua Bank, a bank founded in 1953 and based in Spokane, WA. Umpqua Attain checking is available in 5 states across the USA.
Key Takeaways
- Low APY. The maximum annual percentage yield for this account is only 0.01%.
- Charges a monthly fee. This account charges a monthly service fee of up to $20, but the fee is waived if you keep a minimum balance of $15,000.
- $200 minimum opening deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Up to $25 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Umpqua Bank mobile or online banking.
Umpqua Attain checking Pros & Cons
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Umpqua Attain checking FAQ
Are checking accounts from Umpqua Bank federally insured?
Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #17266). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Umpqua Attain checking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.01% |
Umpqua Attain checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $0.01.
What are the account minimums for Umpqua Attain checking?
Umpqua Attain checking requires a minimum initial deposit of $200 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $200 |
| Minimum Balance to Avoid Monthly Fee | Starting at $15,000 |
| Minimum Combined Balance to Avoid Monthly Fee | $25,000 |
| Minimum Balance to Earn APY | $0.01 |
What fees does Umpqua Attain checking charge?
This account charges a monthly maintenance fee of up to $20.
| Description | |
|---|---|
| Monthly Maintenance Fee | $0 - $20 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $2.50 |
| ATM Reimbursement Monthly Limit | 25 |
| Bank Teller Fee | $0 |
| Foreign Transaction Fee (Debit Card) | 2.5% |
| NSF Fee | $35 |
| Overdraft Item Fee | $35 |
| Returned Deposit Fee (Domestic) | $12 |
| Returned Deposit Fee (International) | $25 |
| Stop Payment Fee | $35 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $50 |
| Paper Statement Fee | $0 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee (Standard Delivery) | $0 |
| Early Account Closure | $0 |
Does Umpqua Attain checking charge overdraft fees?
Yes, Umpqua Attain checking charges a $35 fee for every overdraft.What features and perks does Umpqua Attain checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
- Fraud monitoring - Umpqua Attain checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Umpqua Attain checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
What is the customer support email for Umpqua Attain checking?
The customer support email for Umpqua Attain checking is homelending@umpquabank.com.
Message From Umpqua Attain checking
Contact
- Headquarters
-
111 N. Wall Street
Spokane, WA 99201 USA - (800) 650-7141
- Visit Site
- Email Support
Other Services by Umpqua Bank
Other Checking Accounts by Umpqua Bank
Availability
- California
- Idaho
- Nevada
- Oregon
- Washington
Feature Breakdown
| Minimum Opening Deposit | Starting at $200 |
| Minimum Balance to Avoid Monthly Fee | Starting at $15,000 |
| Minimum Combined Balance to Avoid Monthly Fee | $25,000 |
| Minimum Balance to Earn APY | $0.01 |
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