Regions makes it easier to manage your checking account.

We’re committed to helping you make informed financial decisions. That’s why we simplified how we process and communicate with you about your account balances. We want you to have the information you need to manage your finances, right when you need it. An enhanced view of your balances can help you avoid overdrafts and fees.

View of the funds available for you to spend or withdraw right now.

Update your available balance as we receive your transactions throughout the day. The balance you see includes everything we know about your checking account activity (even pending checks that have been presented for payment against your personal account).

Learn more about how pending checks clear my account.

We post transactions on your account at the end of the day.

We post credits and deposits first. Posting credits and deposits first helps to ensure that you’ll have the highest available balance before we post your debits and withdrawals. Next, we post withdrawals and apply any pending CheckCard authorization holds in the time and order we receive them. You’ll see the effective date for these changes based on the branch where your Personal, Private Wealth Management and/or non-personal business account is maintained.

Learn more about when this time order posting change will impact me.

We have amended the terms of the Regions Deposit Agreement to include more information on posting order and other scheduled changes.

View the Regions Deposit Agreement and Recent Amendments

Our digital tools can help to make you more aware of your account balances, transactions and notices in near real-time.

Here are some ways you can be more aware of your account balances, so you don’t spend more money than you have available in your account.

Near real-time balance alerts are available for you to activate
Clear descriptions for pending transactions
Expiration date when funds on hold will be released from a check you deposit
Projected Available Balance that shows you how much may be available after nightly posting

Learn more about when these digital banking and notification improvements will impact me.

We've limited the number of fees you may be charged when an overdraft happens.

We hope you never experience the inconvenience of an overdraft or declined purchase. Here are steps we’ve taken to help if you do overspend.

We do not charge a transfer fee for Overdraft Protection transfers.
We’ve limited the number of overdraft and returned item fees you can be charged in one business day.
We won’t charge an overdraft fee on a CheckCard transaction if you had enough funds available at the time it was authorized.

Learn more about when this CheckCard transactions change will impact me.

Explore options to help you manage your finances, check balances and avoid overdrafts and declined transactions.

Standard Overdraft Coverage

Decide if opting into Standard Overdraft Coverage is right for you. Opting in means we may authorize ATM and everyday CheckCard transactions into overdraft, and you’ll be charged an overdraft fee. Opting out means we may decline the item, but you won’t be charged the fee.¹

Standard Overdraft Coverage
How to Opt In or Out of Standard Overdraft

Overdraft Protection

Link your Regions checking account to a Regions savings or credit account². We’ll automatically transfer available funds to cover your transactions. Overdraft Protection may be less expensive than Standard Overdraft Coverage.

Overdraft Protection
Business Overdraft Protection
Overdraft Services FAQs

Digital Banking Tools

Keep track of your available balance and activity throughout the day to avoid overspending.

Enroll in Regions Online Banking.
Download the Mobile Banking app.
Sign up for mobile alerts.
Get updates through text banking messages.³

Paid Overdraft Item fee is $36 and is subject to change (fee for certain commercial accounts may be different). Fees may be imposed for any debit transaction that causes your account to be overdrawn, including by check, in-person or ATM withdrawal, CheckCard, or withdrawal/transfer by any other manual or electronic means. We reserve the right to require you to pay any overdraft immediately or upon demand. We also reserve the right not to pay overdrafts. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. Standard overdraft coverage opt-in/opt-out options apply only to Regions personal banking customers. The Regions SafeGuard Checking account (currently available only in select markets) is subject to special terms and conditions regarding overdraft options, and those terms and conditions may differ from the information provided on this page and on pages that are linked to this page. SafeGuard Checking customers should refer to the terms and disclosures for the SafeGuard Checking account or talk to a Regions banker for information about overdraft options for SafeGuard Checking. Regions does NOT provide Standard Overdraft Coverage on the Now Checking account.
Credit cards are subject to personal credit approval and terms and conditions of the Credit Card Agreement.
Mobile Banking, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. Mobile Deposit is subject to fees. Your mobile carrier’s messaging and data fees may apply.