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 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.

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.