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Regions Now Banking

Now your money has a smart new way to live

Now there's a Reloadable Card that makes sense for you

Get the prepaid Regions Now Card® and use it everywhere Visa® Debit is accepted. You don't even need a checking account.

Your reloadable Visa® prepaid card is a smart way to control your money. It's safe, secure and easy to use. And you can only spend what you have, so there are no costly overdraft or interest fees.

How to load it

Use it lots of places

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Your Regions Now Card® can be used anywhere Visa debit cards are accepted – in stores, online, even ATMs

Very safe, very secure **

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Funds loaded to the card are FDIC-insured and the card is protected by Regions SafeGuards, so you have protection from any unauthorized transactions or purchases. Plus, the card is safer than carrying cash because if your card is lost or stolen, you can get a replacement.

Make it automatic - and waive the monthly fee

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You can have your Regions Now Card® monthly fee waived with qualifying direct deposits of $500 or more per month. Setting up your payroll, government benefit, etc., direct deposit is easy. You can fill in and print the direct deposit form, or just give your employer or government services agency the following information:
  • Regions Now Card Routing Number: 065402892
  • Your 16 digit Regions Now Card number

Customize your card

Once you receive your permanent Regions Now Card® visit Regions YourPix StudioSM to customize your card. The studio allows you to follow some simple prompts to personalize your card with a photo or choose from the gallery that includes landscapes, colleges, and Regions Monogram Studio.

Get Your Now Card arrow Visit a Branch to Get Started

Regions Now Card®

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Regions Now Card® Fees

  • Monthly Fee $5 (No charge with $500 monthly direct deposit)
  • Load/Fund Fee (Regions Branch): $3 (Free with Regions check cashing)
  • Regions ATM Withdrawal/Balance Inquiry (In Network): No charge
  • Online card information, transaction history, online statements: No charge
  • Paper Statement Fee: $3
  • Review complete fee schedule

Regions Quick Guide to Your Regions Now Card®

Terms and Conditions

Regions Now Banking logo

There is no withdrawal fee for using your Regions Now Card® for transactions at any Regions Bank ATM. However, there may be a charge for transactions made at other bank ATMs.

**SafeGuards Worry-Free Fraud Protection covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify Regions Bank promptly of any unauthorized use. Consult Regions Bank for card terms and conditions for additional details or visit visa.com/security.

* No charge with $500 monthly direct deposit.

A Regions savings account with no monthly fee and no minimum balance requirement that allows customers to earn monthly and annual savings bonuses. This account is exclusively for the primary account holder of a Regions Now Card.

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  Regions Now Savings® * 1
Balance Required to Open
  • $10
Account Benefits
  • Earn a 1% annual savings bonus2
  • Earn a $1.00 credit each month you make at least a $5 deposit and have no withdrawals3
  • Regions Now Savings can be linked to your Regions checking account for Overdraft Protection4
Interest Earned
  • Compounded daily, paid monthly on collected balance
Interest Tiers
  • Pays interest on all balances
Monthly Fee
  • None
Pricing Schedule
Minimum Daily Balance Required (to waive monthly fee)
  • None
Excessive Withdrawal/Item Fee
  • $3 per withdrawal in excess of 3 per month
Statements
  • Statements are monthly when your account has electronic debit activity or online transfers; otherwise you'll get quarterly statements
  • Free Online Statements available with Regions Online Banking, otherwise $2.00 Paper Statement Fee5
Bank where, when, and how you like
  • Access your account 24 hours a day, 7 days a week through Regions® Online Banking or 1-800-REGIONS
  • Visit any one of our 1,700 branches in 16 states
Other Account Features
  • 30% discount on safe deposit box rental with an additional 10% discount for auto debit (subject to availability)
How to Apply For existing Now Card customers:

For new Now Card customers:

* This is a limited transaction account. Regulatory limit of six (6) transfers or payments (preauthorized, automatic, by telephone, or from a personal computer) including drafts, checks, debit card, or similar order (including POS transactions) payable to a third party from your savings account per statement cycle. The preauthorized or automatic transactions may be initiated by Telephone Banking, Regions Online Banking, or standing order. See pricing schedule for full details.
1. In order to be eligible for and to maintain a Regions Now Savings account, you must be the primary owner on a Regions Now Card and you must keep the Now Card open and in active status. If your Now Card is closed or becomes inactive for any reason, or if we otherwise determine that you are not the primary owner on a Now Card, we may convert your Regions Now Savings account to a Savings account. You may open and maintain no more than one (1) Regions Now Savings account at a time as primary account owner. If at any time you are the primary owner on more than one (1) Regions Now Savings account, we may convert any or all of your excess Regions Now Savings accounts to Savings accounts. We will notify you in advance if we convert your Regions Now Savings account to a Savings account. See pricing schedule for full details.
2. A deposit of at least $5 to your account each calendar month, beginning with the account opening month is required to earn a 1% annual savings bonus. The annual savings bonus is based on the average monthly balance for the 12 calendar month period preceding the month in which the anniversary of your account opening falls (your “Account Anniversary Month”). The bonus will be paid on the second business day of the month following your Account Anniversary Month. To receive the annual savings bonus, your account must be open on the date the annual savings bonus is paid. Maximum annual savings bonus is $100.
3. Each month a deposit of funds of at least $5 is made to your Regions Now Savings account AND you make no withdrawals from your Regions Now Savings account during that same month, you will receive a $1 credit to your Regions Now Savings account. Your Regions Now Savings account must be open on the last processing day of the month to receive the builder bonus.
4. Checking account is subject to applicable overdraft transfer fees. Learn more about Overdraft Protection and see pricing schedule for checking accounts for full details.
5. To avoid the $2 Paper Statement Fee, you must be a Regions Online Banking customer who receives only Online Statements. To get started with Online Statements today, simply enroll in Regions Online Banking. If you are an existing Online Banking customer, log in and select the Online Statements link in the top navigation under Accounts. You must have a valid Social Security Number or Taxpayer Identification Number to be eligible for enrollment in Regions Online Banking. If you unenroll in Online Statements, your account will begin to be charged the $2 Paper Statement Fee each time you receive a paper statement.

Now you can cash checks without a checking account

You can cash checks - including handwritten, out-of-state, insurance, two party, tax refunds, business, government, and payroll - and get your cash immediately. It's easy to enroll, and there is no checking account required. Plus, there are no fee surprises. You just pay a percentage of the check amount - between 1% and 5%:

For Regions Checks*

Check Amount Fee
$10.00 or less No charge
$10.01 or greater 1.00% of check amount - $2 minimum fee and $20 maximum fee

For Non-Regions Checks

Category Check Amount Fee
Printed Payroll and Government Checks $1,500 and under


Over $1,500
1.50% of check amount - $3 minimum fee

2.00%
Other Check Types
(handwritten payroll, two party consumer and business, insurance/settlement checks, cashier's/official checks)
Any Amount 3.00% of check amount - $3 minimum fee
Money Orders Any Amount 5.00% of check amount - $3 minimum fee

arrow Visit a Branch to Get Started

Check Cashing
  • Full Service Check Cashing - Most checks and amounts
  • Simple customer enrollment process
  • No checking account required
  • Pricing: percentage of check amount: 1% to 3% of check amount or 5% of money orders
  • Free load to Regions Now Card®when cashing a check

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Get Your Now Card

Regions Now Card® Fees

  • Monthly Fee $5 (No charge with $500 monthly direct deposit)
  • Load/Fund Fee (Regions Branch): $3 (Free with Regions check cashing)
  • Regions ATM Withdrawal/Balance Inquiry (In Network): No charge
  • Online card information, transaction history, online statements: No charge
  • Paper Statement Fee: $3
  • Review complete fee schedule

Regions Quick Guide to Check Cashing

Terms and Conditions

Regions Now Banking logo

* You may avoid check cashing fees for Regions checks by depositing your check with your financial institution for collection. You also may be able to avoid check cashing fees for Regions checks if you have a Regions Bank deposit account. Please see a Region Representative for details.

Regions reserves the right to refuse to cash any checks. Service may not be available at all Regions locations.

Now you can pay your bills with some serious speed1

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Urgent Payment delivery option available for many local/national payees
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No checking account required
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Simple customer enrollment process
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No hidden fees

Pay bills fast1 through Western Union®.

With Regions Now Banking®, you can visit a Regions branch and pay your bills whenever you want, even up to the day the bill is due.

And there's no checking account required. Urgent Bill Payments within the U.S. start at $51 transfer fee.*

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Regions Now Banking logo

1. Payment delivery options are available for biller business days and may vary by biller. Payment delivery may be delayed or services unavailable depending on certain transaction conditions including the amount sent, destination country, currency availability, regulatory issues, identification requirements, imposition of fees, selection of delayed delivery options, biller cut-off times or posting procedures, or biller failure to properly or timely credit funds sent. Additional restrictions may apply. See Payments form for terms and conditions. Western Union may not be directly contracted with certain billers for the provision of payment services, which may limit delivery options available. The Western Union name, logo and related trademarks and service marks owned by Western Union Holdings, Inc., are used with permission.

* Prices subject to change without notice

Now there is a hassle-free way to send and receive money

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Simple customer enrollment process
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No checking account required
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Domestic and International Cash to Cash transfers
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Money can be picked up as cash
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Can be available to the receiver in minutes1

With Western Union Money Transfer® services, sending and receiving money is a breeze.

You can send money to virtually anyone, anywhere. And the funds are usually available within minutes1, or you can opt for next day1 arrival.

There's no checking account or credit card needed. Send $50 money transfer for $5 within the U.S.*

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Regions Now Banking logo

1. Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply. See Send form for details.

* Prices subject to change without notice

Services may be subject to separate terms and conditions. Service may not be available at all Regions locations. See a Regions associate for details. The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.

Call 1-800-REGIONS