Dispute a Transaction: What to Expect

Let's walk you through the process of how to dispute a transaction, with support from Regions each step of the way. If you have any questions or need assistance to dispute a transaction, we’re here to help.

Here's how we can work together to resolve the issue:

1. Check to see whether the transaction has posted. When transactions are pending, you might see a “P” or the word “Pending” next to the transaction on your account details page in Online or Mobile Banking. We can only accept disputes on posted transactions. You may dispute the transaction as soon as it posts to your account.

Note: Every transaction that pends on your account may not post to your account, or, if it does post, it may post for an amount different from the amount of the transaction at the time it was pending.

2. Consider your relationship with the merchant. Sometimes you may be able to more quickly resolve an issue with a transaction by working directly with the merchant. For example, if you made a purchase but are dissatisfied with the quality of the item, consider contacting the merchant directly before disputing the transaction with Regions.

3. Prepare to share helpful details about the transaction(s) in question. Gather any receipts, invoices, billing or account information related to the charge(s).

4. File a claim¹. To file a claim online, log in to Online Banking and select from the “I Want To” menu, or from the Customer Service tab. Then, follow the steps to file your claim. We’ll guide you step by step. If you’re not already enrolled in Online Banking, you can Enroll Now.

Note: While we offer the option to dispute a CheckCard or Now Card transaction online for your convenience, certain types of transactions may not be disputed online. You can always visit a branch near you or call us at 1-800-REGIONS (734-4667) to file your claim.

5. Save your Claim ID number. If you're disputing a transaction on a CheckCard, Now Card or ATM card, you'll be given a 10-digit Claim ID number. Keep this number handy. If you have questions about your claim, a Regions representative can use your Claim ID number to check your Claim Status.

6. Once your claim is submitted, Regions will promptly investigate your claim and contact you, in writing, with the results.

These details of how we work with you to process your claim are important to understanding the actions we take. It may be helpful to reference the terms and conditions for your specific account type.² It’s also a good idea to review our features and tips that may help prevent fraud in the future.