Regions Help & Support
FAQ
What is Standard Overdraft Coverage?
With this coverage, we may pay checks or authorize CheckCard, ATM or other transactions — subject to our published overdraft fees — even if you don’t have enough funds in your account to cover these transactions. Our Standard Overdraft Coverage does not cover everyday CheckCard or ATM transactions if you overdraw your personal checking and linked overdraft protection account unless you have specifically consented, or “opted in,” to the coverage. (Checks you write, automatic bill payments and other debit transactions are still eligible for coverage.) If you do not opt in to Standard Overdraft Coverage for everyday CheckCard and ATM transactions, Regions will not charge you an overdraft fee for transactions that Regions authorizes while you are not opted in to that coverage, but that settle into overdraft after authorization.