Umpqua Bank is a bank in Oregon, Northern California and Washington. They currently operate consumer branches, commercial branches and residential mortgage offices. Umpqua Bank Services: Consumer banking includes checking accounts, savings accounts, CDs, mobile and online banking. Their loan offerings include mortgages, loans and credit cards. Umpqua also offers wealth management services. Small business banking offerings include business checking, savings, CDs, money market accounts, SBA Loans, Credit Cards, and more.