Class Eligibility

You are a class member if you (1) had one or more Umpqua Bank consumer checking accounts that could be accessed with a debit card between Jan. 1, 2006 and Oct. 15, 2010 and (2) incurred an overdraft fee as a result of Umpqua Bank’s practice of posting debit card transaction in order from the highest to lowest dollar amount.

In order to qualify for benefits from the Umpqua Bank class action settlement, you must have had two or more overdraft fees assessed on one or more days during the Class Period. If your account was closed with a negative balance and the amount of benefits that would otherwise be provided for in the Umpqua Bank settlement would be insufficient to make the balance in your account positive, you will not be entitled to benefits.

Estimated Amount

Awards are based on the amount of overdraft fees charged as a result of the order in which the bank posted your transactions

Proof of Purchase


Claim Form

There is no claim form associated with this class action. If you are a member you will receive a check in the mail. If you don’t contact the class action administrator at

Case Name

Hawthorne, et al. v. Umpqua Bank,
Case No. 3:11-cv-06700-JST
District Court for the Northern District of California

Case Summary

This class action alleges that bank manipulated the order in which it posted debit card transactions to customer accounts were posted in order to increase overdraft fees

Settlement Pool


Final Hearing



Umpqua Bank Overdraft Fee Litigation
P.O. Box 3757
Portland, OR 97208-3757

6 responses to “Umpqua Bank Overdraft Class Action Settlement”

  1. Charlotte Morford says:

    When I was a customer @ U. B., I was overdrawn, I received a letter telling me this. (Oddly it always took about 5 days for the letter to travel about 4 miles) I went to the bank took care of the overdrawn, put in a little extra, said goodbye to the teller in front of her computer, and left. 5 days or so later I get another overdrawn letter. I was positive it wasn’t my fault this time, I went the bank to find out what the problem was.I found out the teller that helped me before did not inform me that the overdrawn snowballing effect had created more of a negative effect on my account before the letter even got to me, After I had paid previously to bring my account up to balance, the teller, looking right at the information, let me walk away not telling me I still needed three lousy dollars more.So that got me anouther overdraft. I did talk to the right people about it ,but they didn’t seem to think the teller needed to tell me about the $3.00. Which of course ended up being much more.

  2. Susan Heinle says:

    I have not heard if/when there is going to be a payment sent for the overdraft charges, just want to make sure you have my new address, Susan or Stephen Heinle 270 S Willow St #1 Prescott, AZ 86303

    ADMIN – Hi Susan,

    You need to send your request for change of address to the admin. Their address is displayed above under the category titled “contact”.

  3. Jess says:

    I just recieved an overdraft refund check yesterday 2/16/2017 From Umqua Bank. For $32.00.

  4. Leah Bunch says:

    I’m guessing it is to late for me to see if I meet the eligibility, and get any compensation?

    ADMIN – HI Leah,

    You are guessing correctly. The deadline for this one was two years ago.

  5. Julie Vincent says:

    I just got this letter from the class action lawsuit.why would it take 3 years to get to me. Called and they printed the wrong number for money due, it said like 9 mil. How do we find out how much money we are really getting back.

    ADMIN – Hi Julie,

    You can refer to your statements. Distribution is as follows:

    Awards are based on the amount of overdraft fees charged as a result of the order in which the bank posted your transactions

  6. Charles Jencks says:

    This is a bad joke — $13.92 after Umqua repeatedly cheated me by bouncing the largest checks first. Their thievery cost me hundreds of dollars. Each event cost the customer $35.00 and my share is $13.92. I’m going on every website I can find to discourage and warn Oregonians about Umqua.

    ADMIN – Hi Charles,

    That is terrible! I am sorry about that.

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