Columbia Bank overdraft fee
Columbia Bank's September 2025 overdraft disclosure prints $35 each time it pays an item that overdraws a checking account. The same disclosure caps those fees at $175 a day and skips the fee when the account is overdrawn by $10 or less. The wider table is [US overdraft fees by bank](/guides/us-overdraft-fees-by-bank).
Last updated: October 21, 2026
Last checked: Oct 2026
The $35 fee
Opened 21 October 2026. The dollar is on the overdraft disclosure for personal accounts, dated 9/2025. The same file is the Columbia Bank disclosure, and it is also posted on the Umpqua Bank site. Under standard overdraft service, Columbia charges $35 each time it pays an item that overdraws your checking account. If several items are paid or returned in one day and those items result in multiple overdraft fees, the disclosure limits those fees to $175 per day.
The $35 fee is not charged if the checking account ledger balance at the end of the day, after all items have posted, is overdrawn by $10 or less. Standard and enhanced coverage apply to checking account types except Foundation Checking. They are not offered on savings and money market accounts, though the disclosure says Columbia may still charge an overdraft fee when it pays an item that overdraws those accounts. The disclosure lists (866) 486-7782.
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| Line | What Columbia prints |
|---|---|
| Paid overdraft | $35 each time an item is paid |
| Daily cap | $175 of those fees in one day |
| Small end-of-day overdraft | No $35 fee if overdrawn by $10 or less |
| Foundation Checking | Standard and enhanced coverage do not apply |
How to avoid it
The $35 is for an item Columbia pays. The disclosure says payment is discretionary. Standard coverage includes checks, other transactions that use the checking account number, recurring debit card transactions, and automatic bill payments. ATM and everyday debit card transactions are not included unless you ask for enhanced coverage.
The $10 end-of-day cushion is on the ledger balance after posting, not on each item by itself. Foundation Checking is called out as ineligible for the standard and enhanced services. The same disclosure prints $10 per transfer for overdraft protection from a linked deposit account and from a line of credit. If that transfer cannot cover the item, the disclosure says the standard $35 overdraft fee is charged.
Questions
- How much is a Columbia Bank overdraft fee?
- The September 2025 disclosure prints $35 each time Columbia pays an item that overdraws a checking account.
- Does the Umpqua Bank site use a different overdraft fee?
- The disclosure posted on the Umpqua Bank site is the Columbia Bank overdraft disclosure dated 9/2025. This page uses that file, not a separate Umpqua price.
- How many Columbia Bank overdraft fees can post in one day?
- The disclosure limits the accumulation of those fees to $175 per day when several items are paid or returned.
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