Minus stars would be better. Not one good thing to say about them. The website is so dysfunctional you can barely use it.

Honestly Loved the bank the bank at first. It's hometown small town feel. Then I had several occasions where an employer didn't pay me on time. My bills came through and it bounced my account in additional to an app I was using that rounded up each transaction 1 cent to 1.00$ Dozens of these micro transactions hit my account when it was at zero and I incurred a huge overdraft of 1,100$. I was in school at the time and my funds were limited. I asked the branch manager at the time to please help me reverse some of these charges. But they only do a few per year. Needless to say I deleted that app and had to switch banks. Because I'd have to sacrifice a whole pay check to pay that off. Umpqua is a greedy bank that I highly recommend people stay away from. They do not care for their customers. That balance got sent to collections. The entirety of it is overdraft fees. I switched to Discover bank who doesn't charge those in 2019 and will never look back. read more

I'm reminded of the awful service I've received from this company just now. I canceled with them on June 9, 2020 and just received the monthly $10 fee for July. When I contacted them to ask why she said oh, apparently they cancelled the credit card processing but not the Pay Trace account. Early on with them I saw a disputed charge from a customer. I contacted her immediately and she apologized profusely saying she just didn't recognize the company name at first. She said she'd correct it immediately which she did. I was shocked when I saw the charge disputed again and called her. She had no idea what I was talking about, insisted she did not dispute it at all. Umpqua insisted she was lying. Turns out it was Umqua's incompetence. They couldn't be bothered to call her and explain, I lost a customer forever. So no, I absolutely don't recommend this company Seriously avoid this bank like the plague. I sent an email Canceling my service with them asking to notify me if they required anything further. This month I'm being billed once again for nothing. They screwed up and only canceled one portion. After sending my 4th email asking why one month later I'm still being billed I'm told oh you have to fill out this form then it's 30-45 days before we actually cancel it. Dishonest and slimy company I would never recommend. read more

Horrible bank- forget the online banking. Forget, trying to transfer any money. Every time I set it up, it authorizes, it drafts, and then it cancels and they don't know why. And they can't fix it. They have purchased a product that doesn't work, and then they blame it on the customer. Worst bank. Don't put your money there. You wouldn't go to a brain surgeon who doesn't know how to operate on would you? ? read more

the customer service has been going down for a while then they closed all. of their branches around here. My contact now says "call our back room" so I do, and spend an hour each day with a supervisor who is incredulous to what the bank has done to the retail customers (you N me) accounts. they changed there whole bill pay system and did not alert their customers. (again the supervisor never. heard about it) had to have a branch officer open my personal bill pay again. showed up at his branch (sonoma!!!) at 10am... I left at noon as I had another apptmt to make, HE CALLED ME AT 6:30PM, saying he had just gotten my bill pay going. numerous other problems have come up, no electronic trasfers, now most of my bills must be sent by check service the bank makes you use. numerous other problems have come up, no electronic transfers, late payments, left hand not telling the right hand what is going on type of stuff and now no more branches...... they are also merging with Olympia bank, they have 4 branches in CA only. do your best to find a small local bank that gives the customer service that umpqua has stopped giving. read more

closes at 4 The mortgage loan officer for the bank works at home, so you can't walk in and ask a question about your mortgage. Funny I saw her at the local casino at 2 in the afternoon. Called 3 times to ask a question and she was rude and useless. Carol is her name. Had to call the corporate office. I pulled a $425.000 mortgage loan out of that bank. They say their the world greatest bank But hey're the world's greatest bank that needs to get their shit together. read more

I cannot believe that no one has mentioned it takes two weeks to receive an ATM card if anything goes wrong! Every other bank I have ever been with has had a "meantime" card. If yo have anything going on in the "meantime" forget it. I have had other issues since banking there as well. "The worlds best bank" is quite the stretch, very laughable. The only reason I gave two is because the staff is always pretty nice. Some are way more informative than others and can take you a talk with multiple people before the task at hand is resolved...but! Umm, yeah. I think I need to start looking for a new bank. read more

Great local bank, would recommend to other business owners. I have been with them for 7 years and they have helped me out with a variety of loans, business credit card, and general personal advice. The Sansome branch has always gone above and beyond and I'd like to wish the branch continued success in 2023. read more

I used to be a loyal umpqua client, but things have changed so much in the past couple of years, Covid notwithstanding. Nine months ago, the bank closed down two of the three branches in san francisco, making it difficult to get downtown to their only remaining open branch. I had a HELOC with them, that i never used. When i tried to close the account, one umpqua associate named abdul, said closing-my-never-used HELOC would cost me nearly $300! When i asked what these charges were for, he refused to tell me. When i made an extra payment on my umpqua home mortgage, the bank incorrectly charged me interest on the mortgage. Sadly, umpqua claims to be "the greatest bank in the world". Even sadder: they are not. And saddest of all: people will still bank with them. Not me; i've closed my two checking accounts, closed my HELOC and paid off my mortgage. Adios, umpqua! read more

Stay away from Umpqua Bank. Either they don't know which way is up, or they're trying to profit by buying home insurance for your house, by claiming your policy expired when it didn't. Every year I have to notify my insurer to have them notify this lousy bank to inform them that - yes - we still have insurance and it never lapsed. I will never get a home mortgage through them again. Never. Someone should check into them to see if they're intentionally using this method to increase their profits, just like Wells Fargo bilked its customers in numerous ways, from opening fake accounts to charging customers all manner of fees. read more

All banks are not created equal, but Umpqua is one of the best community based banks I have found. Consistently they have demonstrated excellent customized customer service for me and my business. Recently one of this branch's employees, Abdul Sanger, helped us get the PPP loan on the first cycle of this program. Without him and Umpqua I don't think we would have gotten it as a lot of my business owner friends did not get approved through the major banks. Bank here and you will get excellent customer service like someone actually cares about you. read more

Where do I begin to tell the story of my relationship with Umpqua Bank? I simply wouldn't be in my present line of work if it were not for the information and energy around innovation I have received from visiting Umpqua's flagship location on Sansome Street, attending events, and speaking to Umpqua store associates. I remember when the flagship location on Sansome opened in August of 2013 very well. Shamelessly, I was one of the people who lined up every day for a week of free lunch at the food trucks -- each day a different cuisine. Ice cream day was the charm, and I marched right in for Annie to sign me up. Umpqua seemingly has a way of retaining its talent; 5 years later, Annie is still with the bank! I look forward to seeing Mary, VP and Community Manager, and, Relationship Bankers like Abdul, who all know me by name, every time I pop by for coffee or to power up. These are relationships of trust. They have seen me evolve and grow as a budding entrepreneur, and I feel completely confident my assets are in good hands. The generosity extends way beyond free food to food for thought. This is where I first heard Tina Sharkey, now CEO of Brandless, and Tom Kelley of Ideo speak. One kernel of truth spoken by Ms. Sharkey -- that the "narrative" is not dead in technology -- set me on my way to creating content for online businesses, and, now, working on books with Founders who are ready to tell their stories. The highlights of the catalyst series are preserved in the interactive, state-of-the-art Catalyst Wall that is a must see! I have witnessed firsthand that "your story is your business." I am proud that my relationship with Umpqua Bank is key to both my business and my story. Wherever I see that green sign with the golden pine, I know I will be welcomed! read more

The absolute worst customer service. Got a mortgage re-fi & wanted to set up online banking. Easy, right? Had to call 3 numbers & spent 2 hours on the phone & was told "information as missing." They literally have all of my information. After all that, was told I had to go in-person to their downtown branch. Did that. 30 minutes, standing like I was ordering a sandwich. No one offered me a seat. Still being told "information was missing", no empathy or care, then told I could go home & get back on the phone to set up online banking! Got home, got on the phone... info still missing. Last phone guy set me up...and it will take 2-3 biz days to kick in. WOW. Is this 1999?! Am I doing a CIA clearance? I have so much remorse for banking with Umpqua. The worst. read more

Umpqua just raised the interest on my mortgage to 6.25%. They are out to gouge their customers, pure and simple. On top of that, their customer service is terrible. Avoid. Umpqua Bank has my mortgage and they are really unpleasant to work with. Twice, I've dealt with people in the home office who have given me incorrect information on important matters. When my online banking check got lost in the mail, they immediately threatened to send me to collection (after seven years of no missed payments). Now they have raised my rate even though I am already paying a ridiculous 5.37% for my TIC. Beware. This is a bank that does not care for the customer. read more

I have my mortgage with them and they have the worst loan agent ever! Once they are done with your loan they are done with you as well. It's very hard to get a hold of them to answer any of your further questions and concerns, and even if you do, they want you to open an account with them before talking to them..... read more

I have my mortgage with Umpqua and they are the worst. You can not view or pay your mortgage online. Customer service is terrible. You can never get through and when you do they never provide you with the information. When I setup my mortgage. I setup a checking account. They offered to give me my first book of checks free but still charged me for them. I called and called and it never got resolved. I would avoid Umpqua read more

I would like to acknowledge Mr. Abdul Sanger at Umpqua Bank 450 Sansome Street, San Francisco. He was of great assistance resolving several banking issues and is always there to help you. I would also like to acknowledge Umpqua Bank for having great employees. It's a perfect bank for a small business. read more

Simply remarkable on so many levels. First, the Sansome Street 'store' is beautifully designed. The attention to design detail can be felt throughout - from the signage, to the murals inside the store, to the comfortable modern chairs and thoughtfully designed bike racks. Do you like the idea of a bank with fresh, clean modern design throughout? This is it. Second, the staff was incredibly warm, welcoming and helpful. When I called, I was immediately connected to Jade. She went out of her way to answer all of my questions over the phone. When I arrived at the bank, she gave me a personalized guided tour, including details on the historic meaning of the 'coin motif' in the in-store mural. The staff was incredibly well-informed, down to the finest level of detail. Third, incredible amenities for small businesses. I reserved a private meeting room at the bank and held several key meetings with business associates from the SF Bay Area. During the meetings, we had access to Umpqua's complimentary coffee, tea and refreshments. Wonderful. Umpqua Bank makes it incredibly easy and welcoming to have an 'office on the go' in downtown San Francisco. I look forward to my next visit to the Bay Area. read more

I really really wanted to like Umpqua Bank after they bought Circle Bank, which used to be a true community bank. For a while there, after numerous incidences of incompetence, my partner and I would joke around how "even though they f*ck up all the time, we still just keep liking them because they're so nice!" ... Well, we finally reached the end of the rapport rope with Umpqua and are going to a credit union for our personal and business banking. The issues are too numerous to note and I just want to put them behind me... Incompetence with setting up accounts, mysterious glitches, and fees for every possible thing. They've become a greedy and incompetent corporate bank, basically. I remember years ago at Circle Bank, I actually got a call from a banker at my local branch when my balance was just a little too low for a check that just came in and she told me that if I came in and made a deposit before noon, I could avoid an overdraft fee. That was such sweet personal caring service. That also would never ever happen with Umpqua. I can't even access the local branches directly if I have a question, just the automated service with limited hours of availability. Pretty branches and free coffee are nice, but service and quality should be higher priorities. read more

Umpqua Bank dubs itself as the "world's greatest bank." While they are not perfect, they are certainly a welcomed addition to my life following my nasty bitter divorce with Wells Fargo. (WF, I gave you the last 15 years of my life and all you gave me was a middle finger when I asked you for a bump on my credit line. Well, I have a hot young wife now and you'll never see the kids again) =) Seriously though, this brand new branch opened up in September and is so warm and inviting. The "store" resembles nothing like a bank and it appears more like an executive office in a class-A skyscraper. The bank has endeared itself to the Fi-Di community offering free lunches (during its grand opening) and free gifts with new accounts-slightly cliche but a nice gesture nonetheless. The bank commits to support local small businesses by incorporating their products as promo's for new accounts, with new businesses rotating quarterly. This quarter's local business is TCHO chocolates. When I opened my new account today, a wonderful surprise of chocolatey goodness welcomed me to the fold. Additionally, the bank has conference rooms for their customers to use, a really cool benefit to meet with clients, colleagues or even a quiet space to get work done. So, while self-proclaiming itself as the world's greatest is a little pretentious, at least they're innovating and improving itself to be something better than the rest. read more

Have set up office twice now from the new beautifully designed Sansome ST location and have had a great experience both times. The staff was warm and welcoming and encouraged me to "make myself at home." I have been an Umpqua Bank client for several years and have enjoyed their exceptional service. Especially appreciate how they are breaking the rules of what a bank should be. Keep up the great work and keep breaking the rules! read more

Great location, excellent customer service in my opinion. I am the first to admit that banks are evil institutions however Umpqua is the most human friendly. The staff is always so kind, attentive, and for a large part genuine about everything. They're not trying to sell me on some loan or CC deal like the other guys, no gimmicks or tricks at all. Big shout out to my favorites: Abdul, Phil, and Annie who for almost 2 years now have kept it real with me. You guys are awesome! (PS I am randomly writing this review, thats how great they are, this is not because they just saved me from OD charges) read more

opened bank accounts for my kids with Kimberly from the Potrero Hill branch today. She was wonderful and patient. My kids (and i) had a great experience. read more

Although pretty far from where I live, it was worth the trip to make a deposit, apply for my first credit card, have a cup of coffee in house, and leave a note about my future travel plans. All my questions were answered and recommendations were given thoughtfully. Thank you, Tracy from Umpqua Bank! read more

This is a very welcoming and community oriented bank. The employees are very courteous and the space branch is an asset to the area.

It is very unusual for me to write a review but Umpqua Business Bank is an exception because the four main people who staff the Encino CA. location where I go are themselves exceptional. I have been dealing with banks and credit unions around the country for more than 40 years and these guys really are top tier. A friend took me in for the first time several years ago. Upon entering the first thing that hit me was how "un bank like" is the environment. A young man, Travis, is SEATED at a table. To do business you sit opposite him at the table, no plexi walls to talk through. The feeling is much like how credit unions used to be - and this is a Business Bank. So you sit with Travis or Blanca, or if you need Jerry or Gary the branch manager and do whatever business brought you in. These 4 wonderful people almost make you forget that you're there for business and not just visiting friends. These are people who really enjoy what they do - or they're the best actors I've encountered. And this is Los Angeles! In a time where almost all businesses, and it seems especially banks, place layers of impersonal obstructions between the consumer and themselves these guys will take you on a trip back in time to "Little Town USA" . The only caution is be careful, you might find yourself looking for an excuse to go visit. read more

The co-working space at Umpqua Bank is awesome! I live in the neighborhood, and go there often to get serious work done - the staff and store manager are extremely friendly and make sure that every visitor has a very satisfying experience. The workspace and conference rooms are very clean, spacious and get plenty of light. The WifI is super-fast, and the free gourmet coffee and tea are a bonus (free cookies on Fridays). The design of the co-working space is very elegant and has great exposure to Sansome Street - you don't feel like you are in a bank - much more like a startup - ideal for creative work. Booking conference rooms for meetings or group work is very easy - the staff is very helpful with this. The location is perfect - in the heart of the Financial District. They regularly hold events showcasing local businesses and are genuinely interested in helping entrepreneurs build their companies. Overall, it really is an amazing co-working spot with a great staff and store manager - definitely my favorite. read more

This bank offers a free cup of coffee or tea, free wifi, free usage of conference rooms with appointment, and free cookies on Friday regardless of whether or not you have an account with them. I've been going to Umpqua bank several times a week for over a year, and I did become a customer eventually. I'm satisfied with them as a bank. Their rates are comparable to other banks. They are happy to help me with whatever I need, which might be a roll of quarters, or extra cream for my free coffee. The entire place is very clean and ultra modern looking. It's an attractive place to bring a client you want to impress to. This bank hosts some of the most amazing free catered events with speakers on science and business topics. They host special events for millionaires. On their grand opening they even fed hundreds of thousands of San Francisco citizens from lunch trucks. Over the past year I have gotten to know almost all of their employees at this branch. The branch manager Mary is a brilliant business woman, she's direct, articulate, funny, confident, and effective at accomplishing any and all of her goals. She is an extraordinarily persuasive, wise, kind and exceptional kind of person with a big heart. Her assistant Amy is one of the most thoughtful, generous, and courageous people I've met. Her staff that include Abdul, Phillip, Annie, and some others are an excellent bunch, courteous, talkative, engaging, smiling, happy, helpful, focused, and very professional. As a morning ritual they play a brief game, just for fun, just to break the ice so everyone starts off the day with a smile and a laugh. Umpqua Bank of San Francisco is a fun place to be. I highly recommend that you visit, bring your clients, reserve a conference room, enjoy the free coffee, and consider banking with Umpqua. You are going to enjoy all of your visits to this bank, I know I do. :) read more