Regions Help & Support


What is Standard Overdraft Coverage?

With this coverage, we may pay checks or authorize debit card, ATM or other transactions — subject to our published overdraft fees — even if you dont have enough funds in your account to cover these transactions. Our Standard Overdraft Coverage does not cover everyday debit card 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 debit card 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.