Regions Personal Pay^SM FAQs

A Personal Pay is a secure way to send money from your Regions checking or money market account to anyone with a bank account in the United States.

If you are an Online Banking customer of Regions, you already have access to Personal Pay. If money is sent to you and it matches the email address you have on file at Regions, the funds will be deposited into your checking or money market account. To send money, simply select the "Personal Pay" links from within Online Banking.

Log in to Regions Online Banking, and select "Personal Pay" from the Payments tab. Enter the amount you wish to send. Send to the recipient's email or mobile phone. You may also include a short message to the recipient if you wish. Once completed, a message goes out to the recipient's email or mobile phone stating that you have sent them money. The money is not deducted from your account until the recipient claims it.

If you are a Regions Online Banking customer with a checking or money market account and a valid email address on file, you are automatically enrolled in the service and the funds will be deposited directly into your account.

If the recipient is enrolled in the ZashPay network, money can be deposited into their checking account in as little as one business day if the amount does not exceed their daily maximum. If they are not in the network, the money can be received in 1-3 business days after enrolling and claiming the funds.

Daily payment limits vary from customer-to-customer, depending on their credit history, account balance and length of relationship with Regions Bank. In Online Banking, on the Personal Pay page, your maximum limit is listed next to the payment amount field.

Yes, you can cancel a payment if it has not been claimed by the recipient. Simply log in to Online Banking, select "Personal Pay" and then "Cancel" next to the desired payment. If the payment has already been claimed by the recipient, it cannot be cancelled.

You will receive a payment receipt by email or text stating the date, amount and details documenting that your funds were sent. You may also see if the payment has been claimed by logging to Online Banking and selecting "Personal Pay" under the Payments tab. The status of the payment is listed onscreen in the Recent Payments section.

Payments expire after 12 days. The recipient will get an email or text reminder on the seventh day and again on the twelfth to remind them to claim the payment.

For maximum safety and security, Regions Online Banking uses SSL (secure sockets layer) and 128-bit encryption. With Personal Pay, there is no go-between or middle person. There is no paper trail, no check or cash to lose or misplace.

No, neither the sender nor the recipient will be able to see any corresponding personal information from the other party such as email address or bank account numbers or details

While you can use Personal Pay to make payments to some businesses, the service is meant to save you the hassle of writing a check or running to the ATM to pay people you know. All you need is an email address or mobile phone number of the person you wish to pay. The Bill Pay service within Regions Online Banking is generally designed for paying bills like utilities, services, mortgages and so on. Sending a payment to an individual using the traditional Bill Pay service can take up to five business days to arrive to the recipient.

No, it can only be used between bank accounts in the United States at this time.

Personal Pay payments you make to others will generally appear as electronic withdrawals, similar to the way ATM withdrawals appear and the fee will be listed on a separate line. Personal Pay payments received will appear as deposits on your account statement.

Personal Pay works across many platforms, but we recommend the following to provide the best combination of security and functionality:

Microsoft Internet Explorer 8 (Windows XP, Vista, and 7)
Microsoft Internet Explorer 7 (Windows XP)
Firefox 3.5 (Windows XP)
Apple Safari 4 (OS X 10.5 and 10.6)

We suggest you enable JavaScript in your browser since it is necessary for some Personal Pay functions.