Log in to Regions Online Banking, and select Personal Pay® from the Payments tab. Enter the amount you wish to send. Send to the recipient's email or mobile phone, or directly to their bank account. You may also include a short message to the recipient if you wish. Once completed, a message goes out to the recipient's email or mobile phone stating that you have sent them money. The money is debited from your account the day payment is sent. If the recipient does not claim the money within 10 days, the money will be credited back to your account.