Regions Help & Support

FAQ

What happens if a bill payment attempts to clear my account and there are insufficient funds?

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. If we pay an item, we may charge the checking account a Paid Overdraft Item Fee of $36 per item. There is no charge to your checking, savings or money market account if we do not pay a check or other item due to insufficient funds and the item is returned. For more information on Standard Overdraft Coverage and Overdraft Protection services please refer to our Overdraft Coverage FAQs (now in Managing Online Statements topic), visit any branch location or call 1-800-REGIONS (734-4667).