To obtain the Annual Percentage Yield (APY) disclosed and receive the ATM fee refunds (up to $20 per statement cycle for fees incurred at non-Umpqua ATMs), you must: a) provide to the Bank and maintain a valid Email address; b) enroll for and maintain paperless statements; c) make at least one electronic bill pay transaction, using Umpqua Bank’s Online Bill Pay Service, per statement period; and d) have a minimum of 10 debit card purchase transactions made with your Umpqua Bank debit card post to your account during each statement period. If the above requirements are not met, the interest rate paid on all account balances will be 0.10% with an annual percentage yield of 0.10%, and the ATM fee refunds will not be paid. $100 minimum opening deposit requirement. All rates subject to change without notice. All offers subject to credit approval. Online banking is free with an Umpqua Bank checking account. Online billpay includes 15 free payments, per umpqua.online login ID, per month, then $0.40 for each additional payment, then $0.40 for each additional payment. Account balances of $25,000 and over will receive an APY of 0.50%. Rate subject to change at any time.