Umpqua Bank merged with Columbia Bank in February 2023. Customer reviews are mixed to negative – Yelp shows 3.0/5 stars while ComplaintsBoard shows 1.0/5. Common complaints include 90+ minute hold times, app failures after the merger, and lost business login credentials. To log in, go to online.umpquabank.com or columbiabank.com – both work.
Login Methods
💻 Personal Online Banking
Access via web browser.
- Go to online.umpquabank.com
- Or columbiabank.com
- Click “Login” → “Personal Banking”
- 6-digit Secure Access Code via text/call
📱 Columbia Mobile App
Renamed from “Umpqua Bank Mobile Banking”.
- Supports Touch ID and Face ID
- May need to reinstall app
- Same credentials as online banking
- Some report crashes on older devices
💼 Business Banking
Two separate business portals exist.
- With Company ID: “Commercial Banking”
- Without: “Business Banking”
- ⚠️ Many never received Company ID
- Call (866) 486-7782 for help
⚠️ The Umpqua-Columbia Merger
Important: In February 2023, Umpqua Bank and Columbia Bank merged. The combined bank operates under the “Columbia Bank” name, but umpquabank.com still works. This merger has caused significant customer service issues.
🏦 What Changed
- Bank name: Now “Columbia Bank”
- App renamed to “Columbia Mobile Banking”
- 47+ branches closed after merger
- New login credentials for some
📉 Financial Impact
- Stock dropped 50% after merger
- Closed days before SVB collapse
- Rising deposit costs
- Job cuts “8-9 months ahead of schedule”
Customer Complaints
Yelp shows 3.0/5 stars (819 reviews), but ComplaintsBoard shows 1.0/5 stars (32 reviews). Here’s what customers report:
🔴 “Umpqua Has Ruined Columbia”
Feb 2026: “We had the best experience from Columbia bank, then it got acquired by Umpqua and things have gone from bad to worse.”
🔴 “90 Minutes on Hold, 3 Branches”
Aug 2024: “They got hacked, so my debit card was used fraudulently. 90 minutes on phone hold, a trip to 3 separate branches because of equipment failure.”
🔴 “Worst Financial Institution”
BBB Review: “UMPQUA IS HANDS DOWN the worst financial institution on the planet. Several people I know wanted away but were trapped until a refinance.”
🟡 “Can’t Use App Anymore”
“Ever since they took over Columbia bank, they have absolutely ruined it. Can’t use app anymore, can’t use Microsoft Edge.”
🟡 “Never Received Login Credentials”
Commercial customer: “Asked for company ID and user ID that I never received. Customer service was not able to help.”
🟡 “5 Attempts to Close Account”
Apr 2026: “The Umpqua bank in South end of Bend is awful. Customer service is horrible. Been now 5 times trying to close an account!”
✅ Some Positive Experiences: A 67-year-old customer wrote: “This is the best bank I’ve had the pleasure of conducting my banking needs. Kudos to the ENTIRE staff who are all top-notch professionals.” Your experience may vary by branch.
Troubleshooting
App Not Working
The old Umpqua app was replaced with “Columbia Mobile Banking.” Uninstall the old app and download the new one. Some report crashes on older devices.
Missing Company ID
Commercial customers should have received new credentials by mail/email. If not, call (866) 486-7782 and ask specifically for commercial support.
Password Not Working
Some customers needed to re-register after merger. Try “Forgot Password” or “Enroll” at online.umpquabank.com.
Contact Information
Headquarters: Portland, Oregon
States: WA, OR, ID, CA, NV, AZ, CO, UT
Note: Expect 90+ min hold times
FAQ
Is Umpqua Bank now Columbia Bank?
Yes. Umpqua Bank and Columbia Bank merged in February 2023. The combined bank operates under the Columbia Bank name, but both umpquabank.com and columbiabank.com domains work for online banking.
Why can’t I log in to Umpqua Bank?
After the merger, some customers needed new login credentials. Try the ‘Forgot Password’ or ‘Enroll’ options at online.umpquabank.com. Commercial customers may need a new Company ID that should have been mailed to them.
What happened to the Umpqua Bank app?
The Umpqua Bank Mobile Banking app was renamed to Columbia Mobile Banking. You may need to uninstall the old app and download the new one from the App Store or Google Play.
Why is customer service so bad after the merger?
The merger combined two large banks, leading to system integration issues, branch closures (47+ branches closed), and staff reductions announced ‘8-9 months ahead of schedule.’ Customer service has suffered during this transition.
Is my money safe at Umpqua/Columbia Bank?
Yes, the bank is FDIC insured. Despite customer service issues, your deposits up to $250,000 are federally protected. The bank struggled financially after the merger but remains operational.
How do I close my Umpqua Bank account?
Visit a branch with ID. Some customers report needing multiple visits due to ‘equipment failure’ and staff issues. Call ahead to confirm your branch is still open (many closed post-merger).
Why does Columbia Bank have bad reviews?
The merger caused significant integration problems including app failures, login issues, fraud handling delays (some report 90+ minute hold times), and lost commercial customer credentials. Former Columbia customers are particularly frustrated.
What is the Umpqua Bank phone number?
Call (866) 486-7782 for customer service. Be prepared for long hold times – some customers report waiting 90+ minutes.
How many branches did Umpqua Bank close?
Over 47 branches closed after the merger. Your usual branch may no longer exist. Check the Columbia Bank website for current branch locations before visiting.
Can I still use umpquabank.com?
Yes, both umpquabank.com and columbiabank.com work and redirect to the same online banking system. The Umpqua branding is gradually being phased out in favor of Columbia Bank.
Related US Bank Guides
Other US regional banks:
- ConnectOne Bank – New Jersey regional bank
- Berkshire Bank – Northeast regional bank
- Banner Bank – Pacific Northwest bank
- Washington Federal – Western US bank
- US Bank – Major national bank
Last Updated on January 4, 2026
URL: https://log-in.me/umpquaholdingscorporation-portland-unitedstates/