Your Overdraft Protection Options

Based on your answers, you may want to consider Overdraft Transfer Protection . This coverage links another Umpqua account to your checking account, and transfers funds to cover all types of overdrafts: ATM withdrawals, one-time debit card transactions, check and billlpayment transactions. It acts as your primary source of overdraft coverage and has a smaller fee than the other options.

The chart below shows one coverage option, but can be expanded to include details for all available types of Umpqua overdraft coverage.

	Details					Cost
Bounce Guard You have it!	Automatic coverage*	X	X			No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Debit Card Overdraft Protection Sign Up	Optional coverage. When added to Bounce Guard, all types of overdrafts are covered*.			X	X	No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Overdraft Transfer Protection Sign Up	Optional coverage that allows you to link your account to another Umpqua savings or checking account, or a line of credit, that will be used to cover overdrafts*. Transfers occur in $100 increments.	X	X	X	X	No setup charge.** $10 per transfer.

view all coverage options

*We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any type of overdraft transaction. Customer may waive automated paid overdraft services.

**There is no set up charge for Overdraft Transfer Protection. However, set up fees may apply to open a line of credit.

Your Overdraft Protection Options

Based on your answers, you may want to consider Overdraft Transfer Protection . This coverage links another Umpqua account to your checking account, and transfers funds to cover all types of overdrafts: ATM withdrawals, one-time debit card transactions, check and billlpayment transactions. It acts as your primary source of overdraft coverage and has a smaller fee than the other options.

The chart below shows one coverage option, but can be expanded to include details for all available types of Umpqua overdraft coverage.

	Details					Cost
Bounce Guard You have it!	Automatic coverage*	X	X			No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Debit Card Overdraft Protection Sign Up	Optional coverage. When added to Bounce Guard, all types of overdrafts are covered*.			X	X	No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Overdraft Transfer Protection Sign Up	Optional coverage that allows you to link your account to another Umpqua savings or checking account, or a line of credit, that will be used to cover overdrafts*. Transfers occur in $100 increments.	X	X	X	X	No setup charge.** $10 per transfer.

view all coverage options

*We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any type of overdraft transaction. Customer may waive automated paid overdraft services.

**There is no set up charge for Overdraft Transfer Protection. However, set up fees may apply to open a line of credit.

Your Overdraft Protection Options

Looks like you don't use your Umpqua Bank Debit Card for ATM withdrawals or purchases. Your checks and billpayments will continue to be covered automatically (based on bank policy) with Bounce Guard $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.

. Another option to consider is Overdraft Transfer Protection , which links another Umpqua account to your checking account, and transfers funds to cover any types of overdrafts. OTP serves as your primary source of coverage and has lower fees than Bounce Guard.

Take a look at the chart below for more information.

	Details					Cost
Bounce Guard You have it!	Automatic coverage*	X	X			No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Debit Card Overdraft Protection Sign Up	Optional coverage. When added to Bounce Guard, all types of overdrafts are covered*.			X	X	No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Overdraft Transfer Protection Sign Up	Optional coverage that allows you to link your account to another Umpqua savings or checking account, or a line of credit, that will be used to cover overdrafts*. Transfers occur in $100 increments.	X	X	X	X	No setup charge.** $10 per transfer.

view all coverage options

*We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any type of overdraft transaction. Customer may waive automated paid overdraft services.

**There is no set up charge for Overdraft Transfer Protection. However, set up fees may apply to open a line of credit.

Your Overdraft Protection Options

Not interested in linking to another Umpqua account for overdrafts? No worries. There’s an optional coverage—Debit Card Overdraft Protection —that can be used to supplement Bounce Guard by covering overdrafts from ATM withdrawals and one-time debit card transactions.

Based on your answers to our questions, you may want to consider the coverage we’ve highlighted in the chart below.

	Details					Cost
Bounce Guard You have it!	Automatic coverage*	X	X			No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Debit Card Overdraft Protection Sign Up	Optional coverage. When added to Bounce Guard, all types of overdrafts are covered*.			X	X	No setup charge. You are only charged a fee if you use the service. $35 per overdraft; $7 additional per business day if overdrawn for 4 business days in a row.
Overdraft Transfer Protection Sign Up	Optional coverage that allows you to link your account to another Umpqua savings or checking account, or a line of credit, that will be used to cover overdrafts*. Transfers occur in $100 increments.	X	X	X	X	No setup charge.** $10 per transfer.

view all coverage options

*We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any type of overdraft transaction. Customer may waive automated paid overdraft services.

**There is no set up charge for Overdraft Transfer Protection. However, set up fees may apply to open a line of credit.