ACH US Routing Number – UMPQUA BANK
| Routing Number | Address | City | State | |
| 1 | 121136785 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 2 | 121138741 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 3 | 121140276 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 4 | 121140823 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 5 | 121140933 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 6 | 121141042 | 17555 NORTHEAST SACRAMENTO | PORTLAND | OR |
| 7 | 121141107 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 8 | 121141819 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 9 | 121142517 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 10 | 121142627 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 11 | 121142902 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 12 | 121143118 | 17555 NORTHEAST SACRAMENTO | PORTLAND | OR |
| 13 | 121181730 | 17555 NE SACRAMENTO STREET | PORTLAND | OR |
| 14 | 121202185 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 15 | 122239584 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 16 | 122243703 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 17 | 123202125 | 17555 NORTHEAST SACRAMENTO | PORTLAND | OR |
| 18 | 123204835 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 19 | 123205054 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 20 | 123206053 | 17555 NORTHEAST SACRAMENTO | PORTLAND | OR |
| 21 | 123206781 | 17555 NORTHEAST SACRAMENTO | PORTLAND | OR |
| 22 | 123305378 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 23 | 123308553 | 17555 NORTHEAST SACRAMENTO STREET | PORTLAND | OR |
| 24 | 125006390 | 17555 NE SACRAMENTO STREET | PORTLAND | OR |
| 25 | 125108450 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 26 | 125184746 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 27 | 292970841 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 28 | 323170112 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 29 | 323270216 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 30 | 323270300 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 31 | 325171740 | 17555 NE SACRAMENTO ST | PORTLAND | OR |
| 32 | 325182946 | 17555 NE SACRAMENTO STREET | PORTLAND | OR |
ACH US Routing Number – Umpqua Bank
What is a Routing Number?
A routing number is a 9-digit code that identifies the financial institution where a bank account is held. It is used to process payments like direct deposits, wire transfers, online bill pay, and checks.
Routing numbers enable money to be routed electronically between banks. Think of it like a ZIP code for your bank account – it tells transactions where to go to find your account.
What is Umpqua Bank?
Umpqua Bank is a community bank based in Roseburg, Oregon. It is one of the largest community banks in the West Coast and serves customers in Idaho, Washington, Oregon, California, and Nevada.
History of Umpqua Bank
Umpqua Bank was founded in 1953 in Oakland, Oregon by a group of local businessmen. It was initially named South Umpqua State Bank after the Umpqua River.
In 2002, the bank adopted the name Umpqua Bank and has since expanded across 5 states with over 300 locations. Umpqua Bank is known for its innovative customer service and branch designs.
Locations of Umpqua Bank
Umpqua Bank has branches across 5 Western states:
- Oregon – Over 120 branches
- Washington – Nearly 50 branches
- California – Around 60 branches
- Idaho – Around 20 branches
- Nevada – 5 branches
Its headquarters is in Portland, Oregon.
Umpqua Bank Routing Number
The routing number for Umpqua Bank is 123205036 is an example (see table above for accurate ACH Routing Number).
This 9-digit number is used to route transactions like wire transfers, direct deposits, bill payments, and checks to the correct Umpqua Bank account.
Here are some common uses for Umpqua Bank’s routing number:
Wire transfers
Providing 9 digit code 123205036 is an example (see table above for accurate ACH Routing Number) ensures wires are routed to your Umpqua account.
Direct deposits
Add the routing number to payroll or benefits forms to set up direct deposit.
Online bill pay
Input the routing number when adding Umpqua accounts to online bill pay.
Checks
Printing the routing number on checks allows merchants to process payments from a Umpqua account.
Components of a Routing Number
Umpqua Bank’s routing number is broken down into three parts:
Federal Reserve Number – 12
The first two digits 12 identify which Federal Reserve district the bank is located in. Umpqua Bank is in District 12 (San Francisco).
ABA Institution Identifier – 3205036
The middle digits 3205036 signify Umpqua Bank specifically.
Account Number Check Digit – 3
The last digit 3 helps validate the routing number to prevent errors.
Validating the Routing Number
To confirm you have the right routing number for Umpqua Bank, there are two options:
Using the ABA routing number tool
Look up the routing number on the official ABA website to validate the details.
Calling Umpqua Bank
Contact Umpqua Bank directly and verify the routing number 123205054 with a customer service representative.
Common Errors
When inputting Umpqua’s routing number, be careful to avoid these common mistakes:
Transposing digits
Double check no digits are flipped. 121181730 should be entered correctly.
Using the wrong routing number
Ensure you use the routing number for Umpqua Bank specifically, not another bank.
Alternate Routing Numbers
Some larger banks have multiple routing numbers they use. But Umpqua Bank only utilizes the one main routing number -123205054
The Security of ACH Transactions
A Secure Payment Method
One of the key advantages of ACH transactions is their security. The ACH network employs robust encryption and authentication measures to protect financial data. This means that when you use the ACH system, your personal and financial information remains safe from unauthorized access.
Fraud Prevention
Financial institutions like Umpqua Bank are vigilant about monitoring ACH transactions for any signs of fraud. They employ advanced algorithms to detect unusual activity, helping to prevent fraudulent transfers and protect their customers’ accounts.
The Future of ACH
Continuous Innovation
As technology continues to advance, the ACH system evolves with it. Financial institutions like Umpqua Bank are continually investing in improving the ACH experience for their customers. This includes faster transaction processing times and enhanced security features.
The Convenience of ACH
In conclusion, the ACH US Routing Number plays a pivotal role in modern banking, simplifying financial transactions and enhancing convenience. Umpqua Bank, with its commitment to innovation and customer service, ensures that its customers can make the most of the ACH system securely and efficiently.
Key Takeaways
- Umpqua Bank’s routing number is 123205054
- This 9-digit code helps route transactions to the proper Umpqua account.
- The routing number is broken into three components – the Federal Reserve district, ABA institution ID, and check digit.
- Verify accuracy by looking up the routing number on the ABA website or calling Umpqua.
- Avoid common errors like transposing digits or using the wrong routing number.
- Umpqua Bank only uses the one primary routing number.
Knowing the correct Umpqua Bank routing number helps ensure your transactions are processed quickly and smoothly. Double check you have the right 123205054 routing number for any transfers, deposits, or payments going to or from your Umpqua account.
Frequently Asked Questions
What is the routing number for Umpqua Bank?
The routing number for Umpqua Bank is 123205054
Where do I find Umpqua Bank’s routing number?
Umpqua Bank’s routing number can be found at the bottom of checks, on the bank’s website, or by contacting a Umpqua customer service representative.
Can I use the same Umpqua routing number for different account types?
Yes, the 123205054 routing number is the same for all Umpqua Bank accounts including checking, savings, and money market.
Does Umpqua Bank have more than one routing number?
No, Umpqua Bank only uses the one primary routing number which is 123205054
What happens if I enter the wrong routing number for Umpqua?
Entering an incorrect routing number may result in transactions being delayed or rejected until the proper 123205054 Umpqua routing number is inputted.