.
.

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 an available pay date for a bill to be paid. There is no fee for standard Bill Pay transactions.

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 bills from participating merchants 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 (See When are the funds withdrawn from my account? for more information)

There are two expedited payment options available through the Bill Pay service:

  • Same day Bill Pay allows you to send electronic bill payments the same day to an approved biller. That means the biller has an agreement in place to ensure posting the same day. If this option is available, it will be visible when choosing a payment date on the calendar. Each same day Bill Pay transaction is subject to a fee of $9.95. The fee is deducted from your account the day the payment is initiated.
  • Overnight check Bill Payments are available for most billers in the 48 contiguous states of the United States. You must provide the physical address of the biller in order to send an overnight check Bill Payment. If the option is available, it will be visible when choosing a payment date on the calendar. Each overnight check Bill Payment transaction is subject to a fee of $14.95. The fee is deducted from your account the day the payment is initiated,

 

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. 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 much does Bill Pay cost?
There's no charge for standard Bill Pay transactions! There is a $9.95 fee for each same day Bill Pay transaction and a $14.95 fee for each overnight check bill payment transaction. Overnight check bill payments come at a higher cost due to having to use an overnight courier service for payment delivery.

 

What is a Biller?
Also known as a Payee, a Biller is any company or person you may 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. For more information, see the Help Center located under the Payments tab once you have logged into Online Banking.

 

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 use for bill pay transactions?
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 will I know if my biller is eligible for an expedited payment option?
Within the Payment Center in Online Banking look for the *Rush delivery* link next to the eligible biller. If a biller is unable to accept a same day bill payment transaction, the biller may be able to accept an overnight check.

 

How far in advance can I schedule a payment?
You can schedule a bill payment up to one year in advance. Same day bill pay transactions and overnight check bill payment transactions may not be scheduled in advance for future execution.

 

Can I change or cancel my scheduled Bill Payment?

You may change or cancel any bill payment transaction 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.

Same day bill payments cannot be canceled or edited once they have been submitted.

 

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 sent?

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.

Once a same day bill payment has been processed you will receive an email confirmation.

With an overnight check bill payment, you will receive 2 emails. The first email will be a confirmation that the payment has been initiated; the second email will contain payment tracking information.

 

When are the funds withdrawn from my account?

If the payment is sent electronically, the funds are withdrawn from your account on the pay date you selected. If the biller 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 from your account sooner than you expect.

Expedited payment delivery fees are debited from your account the same business day the payment is initiated.

 

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, returned items and other insufficient fund situations.

 

What causes Bill Pay services to be frozen?

The Bill Pay service may enter a 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 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 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! 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.