Bill Payment FAQs

Paying bills online is a powerful feature of Regions Online Banking. Pay anyone from your utility company to the babysitter. You may never have to write another check. Review the questions below to learn more about Online Bill Pay and see how easy it can be.


What is Bill Pay?

Bill Pay is a service offered by Regions Online Banking that allows you to set up online bill payments to just about any company or person. You select which person or company you want to pay, and Regions Online Bill Pay allows you to choose the pay date for a bill to be paid.

You can Add a Payee, review your Pending Payments, check Bill Reminders, view your e-Bills and more from one easy-to-navigate Payment Center. Additionally, with Regions e-Bills, you can elect to receive actual copies of your merchant bills directly through Regions Online Bill Pay. You no longer have to wait to receive bills in the mail or log into your biller's site. E-Bills are available from hundreds of companies, including major utilities and retailers nationwide, so you can unify and centralize your bill paying. (See When is the money for the payment withdrawn from my account? for more information)


Who can use Bill Pay?
Anyone who has a Regions personal or small business checking and/or money market account may enroll for Regions Online Banking with Bill Pay.


How much does Bill Pay cost?
There's no charge for Bill Pay! If you are a personal or small business account customer, you can pay as many bills as you want. Just see for yourself how you'll save time and money paying your bills online.


What is a Biller?
Also known as a Payee, a Biller is any company or person you would like to pay using Regions Online Bill Pay.


How much of my Payment History can I view online?

You can review your payment history for up to 24 months in Bill Activity. You are able to download your payment info into a comma-separated values (CSV) file and import the file into a number of different personal financial software applications.


What are e-Bills and how do they work?

e-Bills are electronic versions of paper bills. With Regions e-Bills, you can now choose to receive actual copies of select merchant bills directly through Regions Online Bill Pay. You will no longer have to wait to receive your bills in the mail or log into your biller’s site. E-Bills will be available from hundreds of companies, including major utilities and retailers nationwide. You will automatically receive an email notification when a new e-Bill arrives in the Payment Center.


Do I need to sign up with the merchant to receive e-Bills?
No, you have the ability to sign up for e-Bills for select merchants directly from within Regions Online Bill Pay.


Will I continue to receive paper bills or statements from the merchant once I enroll in e-Bills?

There may be some overlap from the time you sign up for e-Bills and the time the merchant stops sending a paper statement via the U.S. mail. However, after signing up for the service, you will only receive that merchant’s statements via e-Bill. If you continue to receive paper statements, you will need to contact the merchant and request that paper statement no longer be distributed to you.


How do I view and pay my e-Bills?

Merchants offering e-Bills will appear in the Payment Center with an e-Bill link.. To pay an e-Bill, locate the biller, select the pay from account click on the e-Bill link and follow the on screen instructions to view/pay your e-Bill.


What accounts can I pay bills with?
Regions customers with a valid checking and/or money market account can use Regions Online Bill Pay. Please note that money market accounts are subject to certain limitations on the number of payment transactions that may be made during a statement period. Refer to your account disclosures for details.


How are my payments sent to billers?
Payments made through Regions Online Bill Pay are processed either electronically or by check.


How will I know if a payment is made electronically or by check?
When you are scheduling a payment, the dynamic payment calendar allows you to pick your first available pay date and discloses if the payment will be sent electronically or by paper check. In most cases, the first available pay date for electronic payments will show as the next business day. For check payments, the next available pay date will typically show anywhere from 2-5 business days later.


How far in advance can I schedule a payment?
You can schedule a payment up to one year in advance.


Can I change or cancel my scheduled Bill Payment?

You may change or cancel any payment as long as the payment is in a "Pending" status. You may review your previously scheduled or pending payments in the "Pending Payments" box within the Payment Center. Also, you may call us at 1-800-472-2265 to cancel recurring payments you have set up in the Bill Pay service.

If the payment is in a "Processing" status, it will be necessary to contact us as 1-800-472-2265 to determine if a stop payment can be placed on the item.


Can I schedule a payment for a weekend or holiday?
No. In Regions Bill Pay, only business days will show as available pay dates. If you have a recurring payment that falls on a weekend or federal holiday, that payment will automatically be adjusted to the closest previous business day. For example, if your recurring payment is scheduled for Saturday, it will automatically be rescheduled for the Friday before.


Can I be notified about a scheduled payment once it is paid?

You can set up "Reminders" on billers and have the option to receive email notifications when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent. You can also view the status of recent payments in the Payment Center "Recent Payments" section, and view payment history on the Bill Activity page.


How can I help ensure my payment is received in a timely manner?

You can help ensure your payments are received in a timely manner by providing accurate biller information, such as the biller's address, accurate information about your account with the biller, ensuring there are sufficient funds in the account the payment will be deducted from, and scheduling your payment sufficiently in advance of the due date of your bill.


When is the money for the payment withdrawn from my account?

If the payment is sent electronically, the money is withdrawn from your account on the pay date you selected. If the company or person cannot receive electronic payments, we print a check and mail it to the billing address.

For paper checks, the funds are debited when the check is presented to us for payment. If a biller receives a payment by check and promptly deposits or cashes it, funds may be debited for your account sooner than you expect.


What happens if a Bill Payment attempts to clear my account and there are insufficient funds in my account?

An overdraft or a returned item can occur when an item is presented for a payment and there are not enough funds available in the account to cover the transaction. Fees may apply to overdrafts and returned items.

For more information on Standard Overdraft Coverage and Overdraft Protection services please refer to our Overdraft Coverage FAQs, visit any branch location or call 1-800-REGIONS (734-4667).


What causes Bill Pay services to be suspended?

The Bill Pay service may enter a suspended/frozen status if you owe us funds for a Bill Payment we have made on your behalf. While the Bill Pay services is in a suspended/frozen status, Bill Payments may or may not be permitted until the status is removed.

For more information, please contact us at 1-800-472-2265.


What happens when a suspended/frozen status is removed from the Bill Pay service?
Once a frozen status is removed from the Bill Pay service, payments scheduled with a pay date that occurs after the frozen status is removed will process as usual. Payments with a pay date that occurred while the account was in a frozen status will not be sent.


What if I still have more questions about Regions Online Bill Pay?
If you still have questions regarding Regions Online Bill Pay, please call us at 1-800-REGIONS(734-4667) or visit us at a branch today!


What if I still have more questions about Regions Online Bill Pay?
The complete legal terms and conditions for Online Banking, including the Bill Pay service, are set forth in the Agreement and Disclosure Statement for Electronic Banking Services.