Regions Bank

Regions Bank Reviews

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Overall Rating3.2 out of 5
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About Regions Bank Reviews

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 & Cons


  • Specialized checking accounts for students and seniors
  • Promotional CDs have competitive yields
  • Several ways to waive monthly fees


  • Below-average APYs
  • Savings accounts have strict withdrawal requirements
  • Promotional CDs have high minimum deposits

Bottom Line

Regions Bank is a U.S.-based bank that provides a range of financial services to customers across 16 states. It offers high-yield promotional CDs but low-interest rates on savings accounts.

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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:

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).

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.

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.

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.
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).
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.

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.

Regions Bank Reviews

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Page 1 Reviews 0 - 10

Reviewed Sept. 8, 2023

Since I've opened this bank account with Regions Bank myself and my husband have had to call multiple times begging them to unblock our debit credit cards through simple transactions or international transactions. Athough we have put in calls to them to let them know that we travel internationally and this was a great importance to us. However we have found ourselves in situations to where we cannot access any of our funds at any given time either during an emergency or just within leisure. This bank continually blocks his card and my card at any given moment. It is frustrating. Absolutely absurd and we are getting out of this bank as soon as possible!!

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Reviewed Aug. 21, 2023

On August 10th my wife and I went into Regions Bank to add her own to my checking account and to open a joint savings account. We will deny the service to put my wife into the checking account because she did not have a United States identification card. Mind you the law states that all my wife needs is a current passport and a current driver's license which we produced and we were still denied. So I attempted to deposit a $13,000 check into my checking account and open a savings account. I was denied service because I was told I did not have matching funds in my account. After some disagreement I got my check and my identification back before things got out of control we drove about 15 minutes away to another location off of Beltway 8 East and all services that we were denied at the Valley Ranch location which is in New Caney we received at the Beltway 8 location. Truly discriminated against at your Valley Ranch location.

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    Reviewed Aug. 1, 2023

    PEOPLE OF COLOR, that are citizens, or new immigrants of color married, or not to a U.S. citizen DO NOT USE THIS BANK IF YOU WANT A HONEST ONE. They highly discriminate. I am a ** man with a top secret clearance and married a year to a Jamaican woman who I have been with for over 3 years that she was living here and going to college for her master's degree. The bank never seen or met me. I was smart enough to use Bank America in Saint Louis where I work. My wife working her first job in Highland Illinois wanted her bank in the town where she works as a nurse and also to have her bi-weekly checks deposited.

    Every since she opened the account checking and savings, the bank kept suspending her card for unknown activities, and never explained why. She was not sending or receiving any money overseas. She only used it to receive, and save some of her salary. Every time she only called them and they would quickly unsuspend it. No reason given ever. Then after 4-6 weeks they finally completely closed her checking account only. Again with no reason. She called and asked everyone in person also several times, only including the bank manager and a assistant. They both could give any answers and after several complaints, they kept promising her answers quickly but never had any after each time she talked to them.

    The funny thing is after her 4th time talking to them, I went in with her and they promised me the same. Originally when the account was closed she called the number on her card and they said only the bank could tell her why it was closed, yet for 2 weeks even the bank manager claimed that no one higher than him could tell him why, yet he could not reopen it either. The only thing we know is in common is that everyone we talked to so far is completely ** I. This bank, and claim that can't get any answers.

    Part of my secret clearance also means my wife and her family had to be vetted by the government homeland security and FBI. Also her father was a life long police Sargent and retired now in Jamaica. So again what reason this corrupt discriminative bank have for closing a bank account with over $500.00 from a honest woman married to a government employed American man who both have no record, other than she is a ** woman from Jamaica??? Her job is even employed as a nurse a hard working honorable job not drug dealing.

    It took her 2 weeks to even get her money back from the bank and because she continues until now to get it reopened or a reason why closed, she never received her last check last week either since it was closed and could not receive a direct deposit, which now will take 2 weeks linger for her next check if she has to open another bank account somewhere else.

    If anyone of color reads this please think twice before you use this bank as it clearly does not honor or respect any of you as outstanding people like they do all other *8 people. If anyone knows a good bank that respects people of color in the Highland or Greenville, Illinois location, please text me the info at **. If anyone of color also had similar issues please also text me this info. I am currently going to send this and post this with every ** lives matter, and discrimination groups in the Southern Illinois and St. Louis area. Remember think twice before using any Regions bank.

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    Reviewed July 28, 2023

    The customer service has no knowledge. No solutions. It's like they read it from a book and repeat it. The simplest things they turn in to a nightmare. If your acc has a 0 bal for a few days it has a soft close. Then when your direct deposit posts you can't get your $. My Ss check was held..for 2 days. The same deposit I've had for over a year with Regions. I. 62 year old widower. I am alone with little finances. In a world like we have now $ is needed to help keep me safe. Keeping me at a atm for over 1 hour and still no funds.. It's a joke.

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    Reviewed July 25, 2023

    I just got my income tax back. I am homeless. With 2 heart attacks. They kept my checks saying, it has to clear in about 10 days. I begged to have my monies. They said, "Have a nice day." I'm back in the hospital, because the heat stroke I endured from sleeping outside. All I wanted to do was pay my rent. I called everyone affiliated with them. No one heard my cries. All because I owed them 5$. They've kept my refunds check for 3400$.

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    Reviewed July 25, 2023

    Do not do business with Regions!! They LIE!!! I made a deposit and received a hold notice from the teller, signed and dated, stating that funds would be available the next day. The next day I received an email from Regions stating that all of the funds are now on hold for 7 days. Relationships are built on trust, if I cannot trust the word of the bank, in writing and signed by an employee, then there is no trust. I won't do business with a bank that I cannot trust. The branch would do nothing, the 800 customer service would do nothing. I have been a customer for over 20 years and my sons have all opened accounts with Regions but we will be moving our business now.

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    Reviewed May 8, 2023

    I write this out of boredom and frustration while sitting in the commercial banking drive-through line for going on 30 minutes now… there is absolutely no sense in something taken this long. Why is this bank Always so slow?!? If this were my personal account, I would pull out every penny and go somewhere with better customer service but as previously stated, this is a commercial account so you would expect to be treated as a priority, but I guess not at Regions.

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    Reviewed March 23, 2023

    I have a checking account with Regions Bank, because they give a loan and they required me to open an account so they can automatically debit the payment every month, but happens that is a commercial account and I only use it for that purposes, so I used to transfer money from my primary account in Chase Bank, but now they don’t accept Zelle transfers for commercial accounts, you can’t see your online account if you don’t have paperless statements, I have to keep $2,500 to avoid monthly fees, I don’t know about other banks, but compare to chase bank is a lot of difference, it works like a small community bank, so trying to send money thru Zelle, they block my online account and I have to go to the branch to fix it, I am very disappointed with regions bank, too many stupid rules and restrictions, I hope this help somebody to avoid it

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    Reviewed March 7, 2023

    I have figured out that they have set up their computer system to keep transactions in a pending state for days. This causes an illusion that you have money available to spend, and they do indeed let you spend money even though they claim the money is in pending status. One thing this does is stop you from closing an account because transactions stay pending for many many days. Another thing this does is cause accounts to go Into NSF and negative amounts.

    So let's say you have 1000$ ready to spend. You spend 999$ of it. You have 1$ left and you deposit another 1000$ before you spend any more money. You think that you now have 1001$ so you go spend more money on things like rent. Wrong!

    The second deposit is pending for days but you can't tell this at all and they even let you spend the money you deposited as if it's there in the account. You go spending more than 1000$ and now the bank claims you're in NSF status because that 1000$ you deposited is not yet available and stuck in pending even though they let you send it! So I'll help you picture it better. At 5pm you had 1000$. At 6pm you paid for something and you have 1 $ left. You deposit another 1000$ at 630pm. You think you now have 1001$ by 7pm and can spend it. In fact it shows up in your account as if it's ready to spend! At 730pm you spend 100$ thinking everything is fine because you have 1001$ but NO, you do not. That REGIONS BANK computer they are using calculates the deposit of 1000$ you made at 630pm as a pending transaction.

    This pending state can last for days! Yes that's correct, the bank will show you in the app and the website that the deposited money is available but it really is not available because the computer system does is SLOW on purpose to make YOU go into NSF. So now you are overdrawn. At no point does the app or website ever show your deposits as pending. IN fact, it will allow you to spend that money they claim was "pending." THIS IS WHAT THEY DID TO ME 2 TIMES IN LESS THAN 5 DAYS. As of this moment my account is negative 465$ because the bank claims I spent money that wasn't yet available in my account even though they allowed me to have access to that money and that money was deposited by me in cash...

    Again. This is all because they specifically set up their computer system to recognize every transaction including deposits, days after it's actually made. And to add to it they grant you access to the money they claim doesn't yet exist in your account. So depending on when you spend the money they claim doesn't yet exist vs the money to used to pay for items that stay in pending, you could end up in astronomically negative values of money missing in your account.

    Now I gotta go to the bank first thing in the morning and speak to low iq low waged people that have zero clue what the bank computer is actually doing to people. It's all a plan. They set it up so YOU get zero help from un knowledgable employees and you end up giving up and just paying for Fees upon fees that stack up very fast. Not me.

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    Reviewed Feb. 13, 2023

    This is the worst Credit Card Bank. The service dept is absolutely impossible to deal with. Is a constant run-around of misled information. First they submit my credit card for payment on a service that I never authorized. After disputing and complaining, they totally ignore me and begin adding late fees and finance charges. Three times contacting for waiving the fees after being confirmed by an associate over the phone that they would do that. I paid my disputed amount in full because my husband said he didn't want to mess up with them anymore and they were going to create issues with my credit. This is still ongoing until I get a response, which I can assure it will never come. Worst customer service. I will happily just stay with my Chase and American Express!!

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    Regions Bank Company Information

    Company Name:
    Regions Bank