Here’s Your Umpqua Bank Routing Number
Written by
Sean Dennison
Edited by
Elizabeth Constantineau
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
Understanding your Umpqua Bank routing number is essential for seamless financial transactions. Whether you’re setting up direct deposits, initiating wire transfers, or paying bills, knowing your routing number ensures that your funds are processed accurately and efficiently.
Umpqua Routing Number by State
Umpqua Bank primarily uses a single routing number for most transactions:
| Umpqua Routing Number |
|---|
| 123205054 |
You’ll use this number to set up wire transfers, order checks and make direct deposits into your Umpqua checking or savings account.
Please note: older checks may not contain the same routing number.
On a Check
The routing number is located at the bottom left corner of your Umpqua Bank check. It’s the first nine-digit number, followed by your account number. Here’s an example:
Through Online Banking
To locate your routing number via Umpqua Bank’s online platform:
- Log in to your online banking account.
- Navigate to the “Account Details” or “Settings” section.
- Your routing number will be displayed alongside your account information.
By Contacting Customer Service
If you’re unable to find your routing number, you can contact Umpqua Bank’s customer service:
- Phone: (866) 486-7782
- Hours: Monday through Friday, 7:00 a.m. to 6:00 p.m. PT; Saturday and Sunday, 8:00 a.m. to 5:00 p.m. PT
When calling, have your account information ready for verification purposes.
Umpqua Bank Routing Numbers for Wire Transfers
If you’re sending a wire transfer, using the right routing information is key to ensuring your money gets where it needs to go. Here’s what you need to know:
| Transfer Type | Routing Number | SWIFT Code |
|---|---|---|
| Domestic Wire Transfer | 123205054 | N/A |
| International Wire Transfer | 123205054 | UMPQUS6P |
For domestic transfers, all you need is the routing number. If you’re sending money internationally, you’ll also need Umpqua Bank’s SWIFT code to ensure a smooth transfer. Make sure to double-check all details with the recipient to avoid delays.
Umpqua Bank Routing Number vs. Account Number: What’s the Difference?
While both routing and account numbers are essential for banking transactions, they serve different purposes:
- Routing Number: Identifies the financial institution and ensures that transactions are routed to the correct bank.
- Account Number: Uniquely identifies your specific account within the bank.
Both numbers are necessary for setting up direct deposits, automatic payments, and wire transfers.
How To Use Your Umpqua Bank Routing Number
Your Umpqua Bank routing number is used in various financial transactions, including:
- Setting up direct deposit: Provide your employer with Umpqua Bank’s routing number and your account number to have your paycheck deposited directly into your account.
- Making ACH transfers: Use the routing number for automatic payments, such as utility bills or loan payments.
- Paying bills online: When setting up bill payments through Umpqua Bank’s online banking platform or a third-party service, you’ll need the routing number and your account number.
Information is accurate as of Feb. 11, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
