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.

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

I have never seen less competent bank employees in my life. I opened a checking account and it was a disaster. They misspelled the name, didn't send a pin for the atm card. You will have to go down to the branch and tell the employees what to do. They are next to worthless and should be replaced with machines ASAP.

A couple of years ago, my local bank switched to Umpqua (due to a buyout, I assume). At the time I was skeptical, but this bank has won me over. My bowling league, of which I am the secretary, has had an account with Umpqua and its predecessor for decades. Every year we deposit thousands of dollars over the course of 9 months, then withdraw nearly all of it for prize money at the end of the season. Since my mother is the treasurer, we go to the bank together and get the money. The thing is, we are VERY annoying customers because each of the 16 teams needs a unique breakout of prize money (x number of twenties, tens, fives, and ones) so it is a huge time expense for one of the tellers to put together my little packet of dollar bills. I have never, and I mean NEVER, seen the slightest hint that the tellers get annoyed with this process (and believe me, I watch facial expressions, body language, hand signals, etc.). On top of all that, we regularly switch league officers which means we have to go through a whole process of changing signature cards every couple of years. Umpqua take care of us with no fees and no hassles. I truly love this bank.

My bowling league, of which I am secretary, uses Umpqua for its checking account. When I first became secretary, we got all the relevant paperwork done with no issues. This past year, we needed to add our Vice President to the account. We headed to the branch expecting another easy transaction, but due to all the new government regulations, we had plenty of issues arise with our account. Tons of new paperwork had to be filled out. The personnel at the bank walked me through everything. They did not get annoyed even though it took us at least three different appointments to finish everything up. They were patient and helpful, even calling me by name when I entered the branch. The tellers handle all of my deposits with minimal questions and plenty of smiles. I am very happy with the whole experience.