Regions Bank Reviews

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Edited by: Tammy Burns

About Regions Bank

Regions Bank serves 16 states across the Southern and Midwestern regions of the U.S. It caters to a wide range of customers, including individuals, small businesses and commercial clients. The bank says it is focused on serving the needs of local communities and supporting economic growth and development in its service areas.

Pros
  • Specialized checking accounts for students and seniors
  • Promotional CDs have competitive yields
  • Several ways to waive monthly fees
Cons
  • Below-average APYs
  • Savings accounts have strict withdrawal requirements
  • Promotional CDs have high minimum deposits

Helpful Reviews

Cleveland, GA
Verified purchase
Absolutely the most incompetent array of banking employees I've ever experienced. From a checking account that was set up without debits (what is a checking account BUT debits?) t...

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Santa Rosa Beach, Florida
Verified purchase
Easy to use. Very efficient and always available to help. No fees to use. Like the fact that they have lots of brick and mortar offices in many states. We have been customers and ...

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What is Regions Bank?

Regions Bank was founded in 1856 and serves customers in the Midwest and South. It offers a range of banking and financial services to individuals, small businesses and corporate clients, including checking and savings accounts, loans, mortgages, credit cards and investment services.

Today, the bank has over 1,200 branches and is a Fortune 500 company with over $154 billion in assets.

How does Regions Bank work?

You can open a checking or savings account with Regions Bank online or at one of its branches. You can also apply for credit cards, loans and other financial products through its website or by visiting a branch.

Once you have a Regions Bank account, you can manage transactions through its online and mobile banking platforms.

If you need to visit a branch in person, Regions Bank has more than 1,200 locations across 16 states. You can meet with a banking representative to discuss your financial needs, open new accounts or receive guidance on managing your finances.

Regions Bank products and services

Regions Bank offers these products:

Checking accounts
Every Regions Bank checking account has a monthly fee, with the exception of its student checking account. Most fees can be waived when you maintain a minimum balance or complete a minimum number of transactions each month.
  • LifeGreen Checking is a standard checking account with just the basics.
  • LifeGreen Preferred Checking earns interest and grants you Preferred Banking Program membership, which includes a dedicated banker and personalized service.
  • Regions Now Checking has no overdraft fees, but the monthly fee cannot be waived.
  • LifeGreen eAccess Account is for customers who primarily bank online and pay for most purchases with a debit or credit card.

Regions also has specialized accounts for those under age 25 ( LifeGreen Checking for Students ) and those aged 62 or older ( 62+ LifeGreen Checking ).

Savings accounts
All Regions savings accounts have low interest rates that hover around 0.01% annual percentage yield (APY) at publishing. For comparison, most online banks have rates above 3% APY. LifeGreen Savings, the bank’s most popular savings account, earns a 1% savings bonus at the end of the year, but the max payout is $100.

If you’re under age 18 or have a Regions Now Card, you can open a savings account for free. While the Regions Savings account has a $5 monthly fee, you can waive it by maintaining a $300 minimum balance.

Regions Bank’s money market accounts earn slightly better interest rates, but require a minimum balance of $2,500 or more to avoid the $12 to $15 monthly fee.

Certificates of deposit
Out of all of Regions’ savings products, its promotional certificates of deposit (CDs) earn the highest APYs. For instance, its 13-month promotional CD earns 4.25% at publishing. However, you must have a Regions checking account to unlock the best rates, and promotional CDs require a $10,000 minimum deposit.

All other Regions Bank CDs earn 0.01% to 0.05% APY at publishing with relationship rates, which are much lower than rates offered by online banks. They also require a $500 to $2,500 minimum deposit depending on the term.

Credit cards
Regions Bank offers five credit cards, most of which have no annual fee:
  • Cash Rewards Visa Credit Card earns cash back on purchases.
  • Premium Visa Signature Credit Card earns points that can be redeemed for travel, merchandise, gift cards or cash.
  • Prestige Visa Signature Credit Card has an accelerated earn rate in select spending categories.
  • Life Visa Credit Card offers a 15-month 0% introductory annual percentage rate (APR).
  • Explore Visa Credit Card is a secured card designed for establishing or improving your credit.
Mortgages, loans and lines of credit
With Regions Bank, customers can obtain personal loans, auto loans and refinancing, student loans and lines of credit. It also offers mortgages, mortgage refinancing and home equity lines of credit (HELOCs).
Investment services
Regions offers a range of investing and brokerage services, including mutual funds, exchange-traded funds (ETFs), stocks, bonds, educational 529 plans and individual retirement accounts (IRAs).

Regions Bank fees

Many Regions bank accounts have monthly fees that can be waived when you link another Regions account or maintain a minimum balance.

Savings account holders will pay a $3 fee each time they make more than three withdrawals a month. This fee is strict considering most banks give you six free withdrawals a month. Money Market Account holders pay a $15 fee for each withdrawal over six.

Regions Bank also charges these common fees:

  • $3 for non-network domestic ATMs
  • $5 for non-network international ATMs
  • $36 for overdrafts over $5 (to avoid this fee, link a Regions checking and savings account for overdraft protection)
  • $15 for incoming domestic wire transfers
  • $25 for outgoing domestic wire transfers
  • $18 for incoming international wire transfers
  • $45 for outgoing international wire transfers
  • $25 for closing your account within 180 days of opening

Regions Bank FAQ

Does Regions Bank have Zelle?

Yes, Regions Bank uses Zelle to allow customers to safely send and receive money. You can use Zelle by logging into the Regions Bank mobile app.

Is there a limit on Zelle with Regions Bank?

No, Regions Bank does not limit or cap how much money you can send in a single transfer with Zelle.

What is Regions Bank’s ABA routing number?

Regions Bank has multiple routing numbers that vary by state. You can view your routing number by logging into your account.

How much cash can I withdraw from my Regions checking account in one day?

Regions Bank’s daily ATM withdrawal limit is $808.

Still have questions?

Is Regions Bank legit?

Regions Bank is a legitimate financial institution that’s a publicly traded company and regulated by the Federal Reserve. It’s best for individuals and small businesses looking for a full-service bank that offers a range of financial products. It may also be a good option for those who live in the Southeastern or Midwestern U.S., where the bank has branch locations.

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Regions Bank Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceRates

    Reviewed May 18, 2026

    Besides what everyone else says about poor rates and overly strict rules, their customer service department is completely uncooperative. I have had 3 issues in the past month with their online/debit system and after 3 extensive experiences with their over the phone commercials while on hold, they refuse to answer why deposits come up missing from my account and I can do anything for 3 to 5 days to see if they reappear. They won't even tell me why they deleted them. Changing banks.

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    Customer ServiceCoveragePunctuality & SpeedMaintenanceStaff

    Reviewed May 8, 2026

    While traveling overseas twice this year, they have froze my online banking. The first time was 🥶 Istanbul Turkey, and I called them to fix it and they would not fix it unless I was sitting in front of them. I had to fly back from Turkey to Florida, just to get my account reinstated. While I was there for an hour, the banker talked to security and told them that I was going to be traveling for at least six months and not to do this again. Here four months later I’m in Malaysia and they did it again. I called them. They knew exactly who they were talking to cause I just spent an hour with them four months ago. But they would not fix it over the phone and he said I had to be there in person. They didn’t care that I had to fly 33 hours and spend $3500 to accomplish this. Horrible bank.

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      Customer ServicePrice

      Reviewed May 8, 2026

      While Regions started a process of what they call Overdraft Grace Period, they tend to manipulate the way they process daily transactions in order to cause overdrafts to occur and accounts to be charged overdraft fees. Watch your accounts closely…

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      StaffBilling

      Reviewed May 7, 2026

      Regions Bank is one of the worst bank to do Business and their staff is not knowledgeable neither. Very poor service and love to increase their payment especially when you take a Homeowners Mortgage they will increase your mortgage without notifying you. Please check other Bank for Better Experience. Great Bank for fraudsters, including its own staff which has been arrested for stealing client funds (look it up). A fraudster used my company's name and his account info to have a client wire several thousand dollars to his Regions Bank.

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      Reviewed May 6, 2026

      This is the worst bank in America. Does not give one ***" about the people.

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      Customer ServiceStaff

      Reviewed May 5, 2026

      Customer Service is abysmal. When I tried to conduct business with a banker, I was continually interrupted by other employees. The message was that they’re in business was more important than mine. The account manager did nothing to dissuade the constant interruptions. So to her, their business was more important than mine. So I found a bank where they take me seriously.

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      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed May 5, 2026

      So I just moved and sent my second month’s rent through bill pay but the landlord didn’t receive it until the 4th despite scheduling a delivery by date of the 30th. I called and called about a half dozen times and just couldn’t get proof the check was sent nor get a copy. I was assessed a $75 late fee by the landlord and wanted to prove it wasn’t my mistake. First they told me the check had been received and deposited and then the following day I was told otherwise, that it had been sent but not deposited…

      Today the 5th I went to the branch and they were basically useless, couldn’t or wouldn’t do a single thing to help, I was instructed to call the customer service hotline which I had done for the previous 2 days about a half dozen times but nothing, no progress despite being on the phone for hours with them. Instead of customer service you get the nasty privilege of speaking with ** that couldn’t care less about your situation, they’re probably thinking about reparations…

      So, today at the branch when the useless banker wouldn’t help I sat at his cubicle in front of his desk and called customer service on speaker phone to finally try and resolve the matter after he had told me there was NOTHING he could do to help. Well, after about 30 minutes they finally admitted they had spoken to someone at the landlord’s office whom confirmed they had received the check yesterday on the 4th, a few days late. It just shouldn’t be so hard to get service or see progress. This bank in other words is reprehensible!

      And making matters worse, I worked for this bank for six (6) years as an “executive” and can confirm from experience as both an employee and a customer that their customer service is amongst the worst as compared to other corporations, down there in the sewers with comcast, spectrum or twitter which has none, exactly. Each time I need customer service their associates at the branches are basically useless and I’m told to call customer service and they in turn are horrendous and degrading. They keep you on the phone for hour upon hour and after it all almost nothing has been accomplished is my experience, and when there’s progress it’s because you submitted as a “subject” to the ** or whatevers. These people only care about money and numbers and will treat you accordingly and without regard, trust me. No wonder this bank is for all intensive purposes stuck in quicksand.

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      StaffLoan Process

      Reviewed May 3, 2026

      I bank with Regions Bank in St. Petersburg, FL at the 66th Street, North location. This past Saturday, 5/2/26, I had the need to go to the bank due to the fact that my Regions debit card had been compromised. First I am grateful for Saturday AM hours and secondly, I am extremely indebted to the gentleman that assisted me: Mr. **. He is outstanding: extremely knowledgeable and immediately helped solve my problem: prepared a new card for my use, as another layer of protection, suggested I change my pin number which I was glad to do, answered all of my questions, and most of all accomplished the above in about 10-12 minutes. Mr. ** usually works at the 22nd Street location of Regions in St. Petersburg, FL but was "on loan" to my 66th Street bank for that Saturday--and thank heavens he was there. I can only make one suggestion: do not lose Mr. ** please promote him!

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      Tiny increased rating by 1 star.
      Customer ServiceStaffBilling
      After a positive interaction with Regions Bank, Tiny increased their star rating.

      Reviewed April 30, 2026

      Kylen ** from the Lamar Ave branch in Memphis, TN was very helpful during the account opening process — patient, attentive, and knowledgeable. We spent several hours opening three accounts, and he answered all of my questions thoroughly at that time. Unfortunately, the level of service changed significantly after the accounts were opened. I was told I could reach out with any questions, but multiple calls and messages have gone unanswered, even after being told I would receive a callback. This made it difficult to get support when I needed help navigating my accounts.

      Additionally, I had a separate personal transaction with him involving a custom product I provided. Payment was agreed upon for a specific date but has not been received, and I have not been able to get a response after following up. Based on my experience, there was a clear gap between what was promised and what was delivered, particularly when it came to communication and follow-through. While calling the Regions Bank customer service line was extremely helpful and answered all of my questions, my direct experience with follow-up from this branch did not meet expectations.

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      Reviewed April 22, 2026

      Don’t use Regions Bank, you will lose money and never get a straight answer out of any banker. How do you get 108.00 out of one over draft.. When talked to two different banks they had two different excuses. Stay away from regions

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      Regions Bank Company Information

      Company Name:
      Regions Bank
      Website:
      www.regions.com