Top regional bank: Umpqua Bank
Umpqua Bank offers a checking account that doesn’t have a monthly maintenance fee. This account, the Embark Checking, only requires $25 to be opened. As long as you sign up to receive paperless statements, there is no monthly fee.
Savers have multiple options to avoid the $3 monthly fee on the Grow Savings. As long as you keep a $200 minimum daily balance, have a primary signer between the ages of 0-18 or 55 and up or have a monthly transfer from your personal deposit account at Umpqua Bank, the fee will be waived.
Umpqua Bank, which has its headquarters in Roseburg, Oregon, has locations in California, Idaho, Nevada, Oregon and Washington.
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