Umpqua Bank Routing Number - Community Stores, Not Branches

The bank that called itself the world's greatest

Umpqua Bank started in 1953 as South Umpqua State Bank in Canyonville, Oregon — population roughly 1,200, economy built on timber. Over the next seven decades it rebranded, pioneered a retail banking concept it called "community stores," and trademarked the phrase "World's Greatest Bank." Umpqua locations were designed to feel like boutique hotels: open floor plans, local coffee, community event spaces, and a concierge-style approach to customer service. It was a deliberate rejection of what a bank branch was supposed to look like.

In 2023, Umpqua completed a merger with Columbia Banking System. Though technically structured as Columbia acquiring Umpqua, the combined institution kept the Umpqua name and brand. The merged bank holds over $50 billion in assets and operates across Oregon, Washington, California, Idaho, and Nevada.

Umpqua Bank's routing number

Umpqua Bank's routing number is 123205054. The 123 prefix identifies it as an Oregon-based institution processed through the Federal Reserve Bank of San Francisco. This number applies to all standard transactions — ACH, direct deposit, and bill pay.

Following the Columbia merger, legacy Columbia Bank customers were migrated to Umpqua's systems. If you were previously a Columbia Bank customer, your routing number likely changed during the integration. Confirm through your latest statements or Umpqua's digital banking before setting up any new transfers.

Wire transfers

Domestic wire transfers use the same routing number: 123205054. For incoming international wires, the SWIFT code is ABORNS22. Outgoing domestic wires carry a $30 fee; incoming domestic wires are typically free for business accounts.

Where to find your routing number

In the Umpqua Go-To mobile app, through online banking at umpquabank.com, or on the bottom-left corner of your checks. If you transitioned from Columbia Bank, make sure you're using the updated number rather than your old Columbia routing number.

How Slash rethinks the business banking relationship

Umpqua proved banking could be built around trust and relationship rather than just transactions. Slash takes that same philosophy into business banking — dedicated support, transparent fee structures, and financial tools that work together: real-time spend controls, virtual cards spun up in seconds, and expense management built in rather than bolted on.