Welcome! View former Sterling/Argent products and contact info here. To return to our homepage, click here.

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Thank you for your interest in Business Net Banking.

Umpqua Bank is pleased to announce our new and improved Online Banking service: Business Online Banking will be launching to all customers on Tuesday, September 4, 2012. This enhanced system offers improved usability, new features and expanded functionality.

Customers on Business Net Banking will be transitioning to the new Business Online Banking service after the close of business on Friday, October 19, 2012. As a result, Business Net Banking registration will be unavailable after August 24, 2012 .

Questions? Contact your local Umpqua Bank store or call Customer Care at 800-650-7141, Monday through Friday, 6:00 a.m. to 8:00 p.m. PT and Saturday and Sunday, 8:00 a.m. to 5:00 p.m. PT. You may also e-mail us at customer.care@bankwithsterling.com.

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Important Notice for Former Net Banking Users

No enrollment is necessary unless you have received notice otherwise. If you need assistance signing onto Umpqua Business Online Banking please contact Customer Care at 800-650-7141 or click on the related link below.

Getting Started on Business Online Banking

View all our online resources regarding the transition from Net Banking to Business Online Banking at

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Additional Services

Umpqua Bank has all of the extras you’ll need to get the most from your account.

Overdraft Services

At Umpqua Bank, we want to help you avoid the hassle and worry of a returned item. That’s why we provide many overdraft service options to fit your needs.

Link to Another Deposit Account

Link your checking account to another deposit account (savings, money market or checking), and we do the rest. In the event that your account becomes overdrawn, we move money from your linked account to your checking account to cover your expenses.

Link to a Line of Credit

Avoid the cost, stress and hassle of overdrawing your checking account with one of our line of credit options. We transfer the funds to cover your account directly from your line of credit.

Bounce Guard

Bounce Guard is a special feature that enables us to approve your purchases and transactions at our discretion even if there is not enough money in your account. Your checking account automatically has Bounce Guard available for checks and bill payments when you have insufficient funds. You can choose to extend this service to cover overdrafts on your ATM and Check Card purchases.

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Overdraft Service

Paid Item Fee

Link to Another Deposit Account $10.00 transfer fee/per transfer
Link to a Line of Credit1
(includes regular lines of credit as well as Home Equity Lines of Credit)

Current interest rate
$10.00 transfer fee/per transfer

Bounce Guard2 Standard Overdraft Paid Item fee of $35 for each item

Stop by your local store today to speak with a knowledgeable banker about which overdraft protection service best suits your needs.

1 Subject to credit approval.
2 Overdrafts may be created by check, ATM or check card, in-person withdrawal, transfer or other electronic means. A $35 overdraft paid item fee will be charged to your account each time an overdraft item is paid. Overdrafts will not be paid on ATM and everyday check card transactions unless you ask us to. Once your account becomes overdrawn, you are obligated to bring your account to a positive balance promptly. Whether your overdraft will be paid is at our discretion, and we reserve the right not to pay. For example, we may not pay overdrafts if your account is not in good standing or you have too many overdrafts.

Visa Check Card

Manage your spending easily with an Umpqua Check Card backed by the power of Visa®.

Features and Services

  • Use your Check Card to pay for purchases anywhere Visa® is accepted worldwide
  • Withdraw cash at thousands of ATMs1
  • Available with any Umpqua Checking account
  • Provides added convenience and security when making purchases online
  • Transactions appear online or on your statement, for a complete record of your purchases

Additional Benefits for Umpqua Platinum Check Cardholders

  • Free Visa Warranty Manager Service
  • Free Visa Purchase Security Benefit
  • Free Visa Personal Identity Theft Protection

Special Merchant Offers

Use your card and save! Take advantage of special offers from merchants simply by using your Umpqua Check Card or Platinum Check Card.

Verified by Visa

Protect your Visa® check card with a secure password for online shopping. All you have to do is register with Verified by Visa today!

1 When using a non-Umpqua Bank ATM, the ATM owner may charge a surcharge. The ATM owner will disclose the amount of the surcharge at the time of the transaction. Transactions include balance inquiry, deposits, funds transfers and withdrawals.

International Services

Our international banking department has a wide variety of products and services to help you.

  • Foreign currency, which can be bought or sold, in 15 readily accessible currency types, plus access to 43 additional currency types
  • Foreign drafts issued and foreign wire transfers sent in 14 currencies
  • Foreign denominated checks deposited to your account on a recourse basis (providing you with provisional credit for the item)

When you deal with foreign money in any form, it’s good to remember that money is subject to foreign currency exchange risk. You are not protected against foreign exchange fluctuations by FDIC insurance.
We welcome the opportunity to assist you with your international needs. For more information on our products and services, please contact us at 1-877-846-0029.

Direct Deposit

Save trips to the bank and let Umpqua automatically deposit your paycheck, Social Security, retirement or any another regular payment into your account instantly.

  • Save time
  • Obtain your funds faster
  • Safeguard your finances from the risk of lost or stolen checks

Direct Deposit is:

  • Easy
  • Safe
  • Dependable
  • Accessible right away

Peace of Mind

Since it’s all happening automatically, you’ll never have to worry about lost checks or making it to the bank on time. The money goes into your account on the specified day and you’ll have instant access to it.