Umpqua Bank Mobile Banking

I am not sure what people are talking about this app not being good or up to date but I use this app for everything when paying my bills and transfers are live with me 5 to 6 times a month as that is how I pay my bills. I get paid then transfer funds to savings and when I need to pay I put back what I need to cover and I have never had a problem. I will say this being down right now is not cool but you do have to shut site down to do an update with banking security laws. Anyway I love my App and hope it does not change to much. This App has never failed me to date. Almost always open, and working for what we need Thank you for getting it done, and always improving on our banking online needs

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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.

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I am changing banks because of this app. In the last three years I’ve had to go into a branch on at least 40 different occasions showing them in didn’t work, having to uninstall and reinstall or have someone on the other end fix something, and sometimes it just didn’t work for weeks and I had money overdraw because I couldn’t see my finances. When I opened my business account there was a completely separate app so I had to use two apps or do all my banking on the business app which makes the personal app look amazing by comparison. Every transaction is listed as only one of four things, where every purchase just says “atm withdraw” which it was not and tells me nothing about what what I purchased or who I paid for it, so impossible to check if a payment was processed on a specific item or tru to remember what I spent money on. Umpqua is a great bank and I wish I could do all my banking in person, but since they now close at 5 instead of 6 (and the branch closest to me isn’t open even on SATURDAYS) I’m not sure how I’m expected to go in without taking time off work to go to the bank...which obviously has been a huge problem when the app is so infrequently not working or not helpful.

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Overall the app does what it is designed to do, however I do find that purchases and bills take a VERY long time to post. For instance, I set up automatic bill pay for my car payment, and I received an email stating that the payment had been successfully sent... no payment had posted in my account. A few days later I received a receipt in the mail from my lending company confirming that the payment had been received... still no posting on my account. I am not 100% sure how long it took for the payment to post after the mail delivery, but I do know it was 1-2 days at the earliest. That is just one example of that happening, and it is extremely frustrating. I recently joined Umpqua from another bank, and the other bank was able to post payments immediately. This made it easier to track money going in and coming out of account, especially when you have a joint account.

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The app is usually the only way I have to access my money because I have little time to go into the bank. When I first started with umpqua the app was simple but very functional. Now the app seems to always be running updates and sometimes won’t even open. I’ve had issues with it not being compatible with my iPhone because of cookies or some such thing, I’ve had times when the app says the server is down, I’ve had times when I transfer money and it was delayed for downloading by the system, these problems come up on a weekly basis. Overall it’s been a very frustrating app for something very important and used every day. It’s very unfortunate because I enjoy my bank and the employees but it makes me feel like Umpqua may not know what they are doing when the app doesn’t work, and honestly has not worked properly in years, and that makes me nervous about what else they may be mishandling.