Identity Theft & Fraud

What can I do to protect myself from fraud and identity theft?

Give us a call at
(866) 486-7782
Mon-Fri, 8 a.m.-6 p.m. (PT)
Sat-Sun, 8 a.m.-5 p.m. (PT)
or download Go-To.


There are many ways to minimize your risk of fraud and identity theft. Here are some great tips:




  • Your bank will NEVER call, text or email you to ask for your PIN, password, or secure access codes.

  • Call Spoofing is on the rise so even if a phone number shows up as one you recognize, if you have any reservation about who you are talking to, hang up and call back through an official number. Phone numbers can only be spoofed when a fraudster calls you.
  • When a Social Security number is requested to sign up for a service, confirm that it’s actually needed. In some cases, another form of identification will suffice.

  • Carry only necessary ID with you. Photocopy the information you carry daily and store it in a secure place.

  • Shred documents containing financial or personal information before discarding.

  • Utilize paperless statement options and manage your accounts online. Checking your statement balances online regularly can also help you detect fraudulent transactions more quickly.

  • Receive and pay bills online with billpay.

  • Always put outgoing mail in a U.S. Postal Service mailbox; it’s more secure than your home mailbox. Also, be sure to collect your incoming mail promptly each day.




  • Don’t open or respond to online solicitations for personal information.

  • Delete suspicious emails without opening them. If you do open a suspicious email, don’t open any attachments or click on any links.

  • Umpqua Bank will never request personal information by email. Never provide sensitive account or personal information in response to an email; if you have, call us at (833) 898-0981.

  • If you encounter a pop-up window, remember that we never use pop-up windows to request customer account information.

  • Keep your passwords in a secure place, and change them regularly. You should not reuse passwords for different accounts. Consider utilizing a secure password manager with auto-generated strong passwords so you don’t need to memorize each one. If you don't choose passwords with at least eight characters and include numbers and symbols (like !@#%). Remember, Umpqua Bank will never ask for your password.

  • Keep your computer’s operating system up to date. You can check with your operating system manufacturer for the latest updates here:

  • Use a current web browser. In order to maintain a high level of security, we don’t allow access to online banking using browsers that don’t meet our security criteria.

    You may need to upgrade to a supported browser or update the one you have.

  • Install a personal firewall. Though most office networks include firewall protection, your home computer could benefit from this added level of security.

  • Install and update anti-virus software. Some of the most popular programs are:

  • Consider anti-malware, anti-spyware and pop-up blocker security software.

  • Use secure sites for transactions and shopping. How do you know they’re secure?

    Often you’ll see a lock symbol near the website address in your browser window, or the web address will begin with https://.

  • Avoid downloading programs from unknown sources—they might contain hidden programs or viruses.

  • Avoid accessing your banking or financial information using public Wi-Fi. If you must, we recommend installing a VPN (Virtual Private Network) to ensure a secure encrypted connection.