Umpqua Bank Mobile Banking Reviews

I have had mobile banking apps before and loved them. At first, I thought UmpquaBank functioned as well as the rest of them, but it doesn’t. It’s often down with no warning. It displays error messages with annoying frequency but not consistency. Sometimes, it simply tells me I have no accounts to show when I do. I would say this is just an app issue but the servers in the bank and ATMs are down almost as frequently. Which is a shame because the tellers are very friendly and as helpful as they can be with a sub adequate system.

In past banking apps, the apps handled maintenance by having a scheduled day and time every week (the SAME day and time every week) to handle updates and fixes. They utilized their alert system and system messages to warn customers of the down times and apologize in advance for the delay. This made it easier as a customer to work around these down times and made mobile banking services run as though they valued the customers needs. I don’t see why UmpquaBank team doesn’t implement the same courtesy.

As it stands UmpquaBank is clunky and unreliable, which prevents customers from having full faith in the security of their mobile banking experience. I gave two stars because I have to use it due to my work schedule but I don’t like to use it because of the way it runs.

Umpqua has the most functional app of a bank that’s not a behemoth, and I appreciate that. It’s got some frustrating things that are likely policy related - such as having no way to update your address, which is standard with the bigger banks.

My biggest complaint is that I can’t trust mobile deposit. I’ve had enough fail that now that I’ve moved to a place where the nearest branch is an hour plus drive away I try not to use it.

Also, I’m now getting a notice when using UmpquaBank that I would have a better experience if I used the Chrome browser. I know it’s become common for app developers to just wrap a web app inside an iPhone app, but seriously? Having a notice that your app would be better by using a non-Apple browser while using an Apple product is a bit unprofessional on the part of your developers. The least you could do is suppress it.

I regularly have issues with the mobile deposit feature. It refuses to accept an image of checks that aren’t standard “personal account” size. No matter how good the image is, I am told it can’t read the account number. Customer service made it about me… it was too dark and I needed to put more light on the check; there were too many other apps still open in the background; I wasn’t holding still enough. I assure you that none of that was the issue, and since this happens every once in a while, I believe it is a malfunction in UmpquaBank . Maybe they need to update it? It is SO annoying. I may switch banks because if it. I don’t have hours to spend trying to get a “more perfect” image of a perfectly good image. It doesn’t help that they keep closing branches that are convenient for me. The only one left in my area is dark and depressing, has bad parking and access is difficult. The ATM is unsafe—out of view in an area with lots of homeless around. So I pay fees to another bank—and Umpqua—for using a better, safer ATM. I used to love my bank, but UmpquaBank’s regular problems with mobile deposits puts it to the top of my tolerance limit.

I am changing banks because of UmpquaBank. In the last three years I’ve had to go into a branch on at least 40 different occasions showing them in didn’t work, having to uninstall and reinstall or have someone on the other end fix something, and sometimes it just didn’t work for weeks and I had money overdraw because I couldn’t see my finances. When I opened my business account there was a completely separate app so I had to use two apps or do all my banking on the business app which makes the personal app look amazing by comparison. Every transaction is listed as only one of four things, where every purchase just says “atm withdraw” which it was not and tells me nothing about what what I purchased or who I paid for it, so impossible to check if a payment was processed on a specific item or tru to remember what I spent money on. Umpqua is a great bank and I wish I could do all my banking in person, but since they now close at 5 instead of 6 (and the branch closest to me isn’t open even on SATURDAYS) I’m not sure how I’m expected to go in without taking time off work to go to the bank...which obviously has been a huge problem when UmpquaBank is so infrequently not working or not helpful.

A few days ago I called customer service and after talking to five agents I was told I could add on an external account in my business account.
They told me if I wanted to add external account in my services tab, it should be on my personal account, however they will unlink my personal and my business account and I couldn’t make any transfers between them.
Oh God!! I waist one hour to receive at the end that answer?
The customer service department doesn’t have any clue of nothing, they are trained to answer five questions and the six answer you are sent to another department.
I am really disappointed about customer service, they Do not care about the client
I had five charges on my business account from google accounts payments that I did not recognize, they charges were made in Los Angeles, CA, I don’t live in LA, I have had my personal and business account for more than ten years with Umpqua bank; customer services notified me that I had to wait 15 day to do the investigation and probably to return my money to my account….,
I told them that other banks cover those charges before finishing with the investigation, why do I have to cover a mistake from the bank with my own money? It is not supposed the bank has locks to prevent fraudulent charges.
I was seriously thinking to transfer my money to another bank.

It really is the world’s greatest bank, They treat you with respect and dignity, if they aren’t able to loan are refinance whatever your trying to do, they don’t just say that and send you away, they try and give you advice on how to go about getting your credit score up, or which agencies can help in consolidation your outstanding debt to help with your credit, or if they can help you, they make sure you understand the terms and conditions that’s right for you. They always stay connected with you if there doing maintenance to the computer they let you know ahead of time. And you can text or call and they can handle some things that’s simple right over the phone. I like it 👍😉🤗

Overall UmpquaBank does what it is designed to do, however I do find that purchases and bills take a VERY long time to post. For instance, I set up automatic bill pay for my car payment, and I received an email stating that the payment had been successfully sent... no payment had posted in my account. A few days later I received a receipt in the mail from my lending company confirming that the payment had been received... still no posting on my account. I am not 100% sure how long it took for the payment to post after the mail delivery, but I do know it was 1-2 days at the earliest. That is just one example of that happening, and it is extremely frustrating. I recently joined Umpqua from another bank, and the other bank was able to post payments immediately. This made it easier to track money going in and coming out of account, especially when you have a joint account.

But we really need a 24 hour customer service that can help and more banks and banks in more locations they’re all closing down and we need customer service they can service us when we need our money right then not only if someone is trying to get in our account and just closing hours out. Customers after hours everything shuts down like the same time the bank closes in your without any help whatsoever so if emergencies come up you’re finish that’s the only bad thing but that’s a major thing.
People are very friendly when you can find a branch that is actually open you don’t even have access to ATM machines everywhere wow what’s happening maybe it’s time to move on.

I am not sure what people are talking about UmpquaBank not being good or up to date but I use UmpquaBank for everything when paying my bills and transfers are live with me 5 to 6 times a month as that is how I pay my bills. I get paid then transfer funds to savings and when I need to pay I put back what I need to cover and I have never had a problem. I will say this being down right now is not cool but you do have to shut site down to do an update with banking security laws. Anyway I love my App and hope it does not change to much.

UmpquaBank has never failed me to date. Almost always open, and working for what we need

Thank you for getting it done, and always improving on our banking online needs

UmpquaBank is usually the only way I have to access my money because I have little time to go into the bank. When I first started with umpqua UmpquaBank was simple but very functional. Now UmpquaBank seems to always be running updates and sometimes won’t even open. I’ve had issues with it not being compatible with my iPhone because of cookies or some such thing, I’ve had times when UmpquaBank says the server is down, I’ve had times when I transfer money and it was delayed for downloading by the system, these problems come up on a weekly basis. Overall it’s been a very frustrating app for something very important and used every day. It’s very unfortunate because I enjoy my bank and the employees but it makes me feel like Umpqua may not know what they are doing when UmpquaBank doesn’t work, and honestly has not worked properly in years, and that makes me nervous about what else they may be mishandling.

I love UmpquaBank! It is helpful when I want to quickly check my bank account or need to pay for a bill or would like to deposit a check.

I do wish it had an overall summary of my accounts on a home page exactly like the internet version. Online it shows a pie chart summary of my accounts and gives a total of what I have. Then I can click into my different accounts to see details. This would be nice on the phone app.

Also, I can’t find my account numbers for my checking and savings. I’m not sure why it’s not part of online banking. It’s me who’s logged in and nobody else, so not sure why it doesn’t show me my own information such as my account number.

There are constant issues with UmpquaBank. Rarely can I even log in. Takes usually five times to actually log in. Too many glitches. CONSTANT PROBLEMS. Always tells you your balance is incorrect and it’s updating. Great if you want to freak out that all your money is gone...gives me a screen telling me i have no accounts with them...absolutely awful. Every nite there is some update that makes you think you have no money. Umpqua is very inconvenient. Switching banks this week cus I’ve had it with these constant issues that are never, ever fixed.

Update: App still needs major work. The available balance is never right, constant maintenance yet nothing gets better. When i try to do bill pay it just logs me out. Every single time I try. I can no longer use it and have to pay my bills through other means. Really frustrating.

This is a great bank, the account representative that opened my accounts couldn’t have been more helpful, he really explained all the different accounts available to me. I kept feeling like I was taking too much of his time, but he kept reassuring me that we had all the time we needed. He was also helpful in recommending different businesses in the area because I had just moved here. I love how easy it is to transfer funds, check my balances and contact him or whomever is available on their other website. My account was opened in McKinleyville, California, but everyone has been very kind at the other branches.

Umpqua has been a really fantastic brick & mortar bank!! Truly.
So I was pretty devastated when they closed up my local branch.
But at least their app is also easy to use and handles most functions.
I like doing mobile deposits & I really like that I’m able to do quick transfers right from the home balance screen.
But I’m only giving 4/5 stars because it does sometimes freeze on me or can be down for maintenance (or something), rather frequently.
Lastly, let me just say this directly to Umpqua Bank:
I dearly miss the real (LIVE) faces of ACTUAL living, breathing people, who greeted me personally (and by name!) every time I came into my neighborhood Umpqua branch!!
Please, stop closing your brick & mortar stores, Umpqua!!
That was your charm to begin with!! In today’s age, it was a place one always found:
Smiles, personal service, coffee, warmth, & even cookies on Friday’s when I came to do my banking...
If it’s only ever going to be technological interfaces, I might as well also consider switching to a credit union??
Just sayin.
Don’t forget what it is that gives value to your brand.

when i first moved to oregon, over ten years ago, i joined this bank. having banked at all the big name institutions, and been severely underwhelmed by their practices. i was looking for community, customer service and professionalism. i found all of these at Umpqua Bank. Recently moving back to California, they helped me keep my accounts with them so i could maintain the solid relationship we’ve established in those ten years. as almost everything can be done online, i am happy with the mobile banking options and feel confident i’ll have everything i need to manage my money. umpqua bank really is great !!

I like the ease of use and the total integration of my accounts and services with no apparent limitations. Often the mobile application is a watered down version of the access you have when using a typical computer however, this mobile application is not. It’s a great application and is consistent with my Umpqua banking experience. Update, now after using UmpquaBank for nearly 6 months o continue to like the easy of use and the features within. Add to this the recent Go To app is very nice too. UmpquaBank after a year and a half remains easy to use and has presented no issues.

I have been using UmpquaBank since I was told about it, seems like everyday I check my account to make sure I haven’t been charged for something I didn’t even order. If I saw a charge on my account, I would tell my bank, they would find out about it and fix the problem. Just like you getting a charge on your credit card accounts. UmpquaBank is so much easier than to get up and go down to the bank, especially when your disabled. Yes, I know it’s not perfect, but are you. I’m not either, but I’m still trying to make it easier and better all the time.

I like the added features, like depositing checks via the camera on the phone. I'm not sure why other users cannot find the deposit feature. It's under a standard user interface menu icon top left.

The downside is the narrow navigation on the left, just like the new desktop website. Seems cramped. The other item is a bug that should have not made it past beta release. Swipe left and you get a blank white screen. Not that there is any reason to do this other than another user mentioned it.

Overall a big improvement over the previous version.

UmpquaBank - Umpqua Bank app is decent. It gets the job done and shows me everything I need to know.
Depositing checks through UmpquaBank is hit and miss. Some checks clear without a problem while others give you a headache.

The Bank - I know this is an app review but the Umpqua Bank has been nothing but stellar! Other then one customer service experience (which was resolved to my satisfaction) all of my interaction have been positive. If anyone from the bank can pass this on.. UPDATE YOUR ATMs!! Please.. at least the ones in North Idaho are straight out of the 90s or something. Really bad and on more then one occasion they have eaten checks/ not returned cards/ and would just straight up freeze. I’d forgotten computers used to freeze up until your ATM reminded me

I’ve used other banking apps and Umpqua’s needs improvement. The full bill pay should be integrated into UmpquaBank so you can check information on payees. For example, if you have multiple credit cards or multiple accounts with the same bank or multiple accounts with the health care provider, with UmpquaBank , its tough to determine which account you are paying.

Also UmpquaBank suffers from delays and periods when transactions don’t seem to go through. This happened to me for the last 5 days or so. I can’t pay bills using UmpquaBank !! This never happened with Chase, for example.

In addition, some transactions are not immediately recorded — even if there is a delay in the transaction being finalized, there should be an immediate record on UmpquaBank , so you don’t do the same transaction twice.

Eventually figured it out, I think. Conversion from CB was awkward. Auto pays on CB were all deleted and I had to enter manually. Also I had multiple checking accounts with different names which Umpqua changed all to one name of their choosing. Umpqua was slow to recognize my email identity because those who do this don’t work weekends, apparently. I live west cost and went to local branch when I couldn’t get my email confirmed. It was after east cost business hours so I returned Saturday morning. Still no joy; Returned Monday and after an hour and 3 calls by branch staff, apparently to a bank servicing company, finally got my email identity recognized. Hats off to (former) CB staff who kept working for me until the bugs for me created by this buyout were ironed out. Finally, the key strokes for accessing UmpquaBank on my I-14 are not intuitive, in my opinion, but I’m getting by.

I have had significant issues with UmpquaBank. I made a recurring automatic transfer between checking and savings. When it started to do it too often and cause an overdraft fee Umpqua admitted it was their fault and reversed fees. Then I deleted the automatic transfer. But it kept doing it. Umpqua again admitted to their mistake but this shouldn’t happen. Now I manually transferred a few hundred dollars between Umpqua checking and savings and instead of showing the change in balance it just reduced checking balance by the transferred amount but did not credit savings. No transaction shows up in either account. Just in the “transfers” section of UmpquaBank . I’d like to contact Umpqua but there’s no means to communicate in UmpquaBank . I’ll have to call them to sort this out…

I belong to the Bank in Phoenix in Oregon. Before it burnt down along with my home, I was very happy with that service. I God absolutely fell in love with the people that work there and how helpful and happy they were all the time. Now that the new bank is up and running, one of my girls is still there, but the other one of my favorites is in Central point Oregon. Which because they’re just so great, I visit both of them. Your app is so far very easy to use, and trust me when it comes to computers I am very challenged…. Anyways, I will always be a part of this bank. As long as it remains. I’m qua bank I like the smaller personal service. It just reminds me how things should be. Thank you for a Patricia Molina.

Again, I am very computer challenged. I am trying to give you a five star rating but it won’t let me click on it just so you know I’d give you a 10 if I could