Nobody gets five stars as nobody is perfect. Four stars is as close as it gets. I was VERY concerned when my local bank got bought out yet again but decided to try them as I abhor change and because it would still be my people…the same ones I have worked years with and I like them so stayed.I do not like the constant updating of the app but aside from that and the inconvenience of switching ownership yet again, the bank feels solid. The service is on par with what I am used to. There are differences that show occasionally but they are not too inconvenient.The only true complaint is the finding of the DEPOSIT tab. This SHOULD be set apart on its own as it is such an integral part of the banking experience. I don’t believe it should be hidden and it feels that way.Aside from that, I have not a single complaint. They hold my money safely and pay who I ask them to pay. I can do most business electronically which is convenience but makes me concerned for the jobs that are inevitably going to be lost when people can use a computer for most things.Thank you Umpqua…for not making me have to go elsewhere.

I have had mobile banking apps before and loved them. At first, I thought this app 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 this app team doesn’t implement the same courtesy.As it stands this app 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 this app 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 the app. 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 this app’s regular problems with mobile deposits puts it to the top of my tolerance limit.