Regions Now Checking

As a nationally certified Bank On account, Regions Now Checking® is a simple way to bank without the concern of overdraft fees at a low, flat monthly fee. Bank how you want – pay bills with Online Banking Bill Pay, enjoy unlimited check writing and send and receive money with Zelle®.¹

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What you get with Now Checking

No overdraft fees

$5 monthly fee²

Unlimited check writing and access to Online Bill Pay³

Bank On certified

No overdraft fees

Life is busy, and things happen. With Regions Now Checking, there are no overdraft fees, and we will decline to authorize purchases when your available balance won’t cover the transaction. ⁴

Checking account details

Fees and pricing

Monthly fee

$5²

Minimum opening deposit

Check pricing

Price varies by style. Order via Online Banking, visit your local branch or call 1-800-734-4667.⁵

Statement options

Online statements are free. $2 fee for paper statements without check images per month. Additional statement options are available, fees may apply. Please refer to Pricing Schedule for more details.

Overdraft fees

None

Overdraft coverage and protection

Overdraft Protection transfer fee

None

Standard overdraft coverage

Regions does NOT provide Standard Overdraft Coverage on the Now Checking account. This means that we will return items unpaid when they are presented against an insufficient available account balance, and we will decline to authorize debit card and other withdrawal transactions when there is an insufficient available account balance to cover the transactions. See Regions Now Checking Disclosure of Terms and Pricing Schedule for more info.

Benefits and features

With this account, you can get:

The option to open a Regions LifeGreen® Savings Account with no monthly fee and an opportunity to earn an annual savings bonus⁶
30% discount on one Safe Deposit Box with an additional 10% discount for auto debit⁷
Relationship rates on most CDs for customers who meet the Relationship requirements⁸
Discount on installment loan with payments auto debited from a Regions account
A chance to earn rewards through the Regions Cashback Rewards® program with your Regions Visa debit card and Online Banking

Other features include:

Regions Visa® debit card
Free access to Online Banking¹
Free standard delivery Bill Pay³
Mobile Banking⁹
Online Statements option
Service Member Benefit – No Regions ATM fee on two ATM transactions at non-Regions ATMs per statement period if you provide your Military ID when opening a Regions checking account or any time afterward.¹⁰

What is required to open a checking account

Here is a checklist of items you will likely need to open an account:

$10 minimum opening deposit
Social security number or tax identification number
Birth date
Personal identification such as driver’s license, passport, state or government-issued ID, etc.
Secondary form of ID (such as a social security card, birth certificate, Insurance card, etc.)
Open online now or connect with a Regions associate at a nearby branch or by calling 1-800-734-4667.

Explore our other checking accounts

If you aren't sure the Regions Now Checking℠ account is right for you, compare it to our other accounts to find the best one for your needs.

Compare checking accounts

Enjoy the security and convenience of a Regions Visa debit card

The Now Checking account also comes with the option to receive a Regions Visa® debit card. It's is safer than cash and easy to use anywhere Visa cards are accepted. Plus, you can also:

Pay your way with Tap to Pay, Click to Pay or mobile payment options such as Google Pay and Apple Pay
Customize when and where your card is used with LockIt card controls
Earn Cashback Rewards with eligible purchases
Grow savings with Spend & Save

Move money and make payments with Online and Mobile Banking

With Regions Online and Mobile Banking, you can monitor your account, pay bills online, deposit checks using the mobile app, move money and more, whenever you want.

Digital Banking details

Monitor funds with alerts and notifications

Receive up-to-date alerts via push, SMS/text message and email notifications¹¹ ¹² so you can monitor your balance, track deposits and withdrawals and more.

Alerts and notifications details

Get more out of your checking account

Control your cards with Lockit

Send and receive money with Zelle®

Personalize your debit card

Find the right products for you

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Enrollment in Online Banking requires eligible Regions accounts. To enroll in Online Banking for personal accounts, you must have either a Social Security or Tax Identification Number or use alternative enrollment procedures available by visiting a branch. To enroll in Online Banking for business accounts, you must have either a Social Security or Tax Identification Number. There is no fee to access Online Banking, but fees may apply to certain products and services offered through Online Banking. You must be at least 18 years of age to use Regions Bill Pay or Zelle®.
The monthly account fee is charged in advance on the first business day of each statement period, is deemed earned in full at the time it is charged and is not subject to refund or proration in the event your account is closed. If your first statement period is a partial statement period, your first monthly fee may not be charged until your second statement period.
Enrollment in Online Banking with Bill Pay requires eligible Regions accounts. To enroll in Online Banking, you must either: have a Social Security or Tax Identification Number; or use alternative enrollment procedures available by visiting a branch. Fees may apply to certain products or services available through Online Banking. Access to Online Banking has no fees but fees may apply to certain services.
Regions does NOT provide Standard Overdraft Coverage on the Now Checking account. This means that we will return items unpaid when they are presented against an insufficient available account balance, and we will decline to authorize debit card and other withdrawal transactions when there is an insufficient available account balance to cover the transactions. See Regions Now Checking Disclosure of Terms and Pricing Schedule for more info.
Standard bulk delivery is included in the price. Other shipping options are available at an additional charge.
An automatic transfer of funds of at least $10 from your Regions checking account to your LifeGreen Savings account in at least 10 of any of the 12 calendar months that precede the month of your account opening anniversary (your “Account Anniversary Month”) is required to earn a 1% annual savings bonus. The annual savings bonus is based on the average monthly balance for the 12 calendar months that precede your Account Anniversary Month. The annual savings bonus will be paid to your LifeGreen Savings account by the second business day of the month following your Account Anniversary Month. To receive the annual savings bonus, your LifeGreen Savings account must be open on the date the annual savings bonus is paid. Maximum annual savings bonus of $100. You are responsible for any tax due on any amount received under this offer. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) for the LifeGreen Savings account is based upon balance and may change at any time. Regions Bank reserves the right to change the terms of or terminate this bonus program and prorate the amount of any bonus payment at any time in its sole and absolute discretion.
Safe deposit boxes subject to availability, and discount applies to one box per account. Receive an additional 10% discount when your safe deposit box payment is auto debited from your Regions checking or savings account.
Please refer to the Now Checking Disclosure of Terms and Pricing Schedule for more details.
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.
ATM fees charged by owners/operators of non-Regions ATMs may apply. If you provide a nonmilitary ID when opening or using your Regions account, our systems may not recognize that you qualify for the fee waiver on two transactions at non-Regions ATMs per statement period. If your account is charged a fee for a transaction at a non-Regions ATM, please visit a branch to provide your Military ID or, if there are no branches where you are deployed, call 1-855-REG-4MIL (734-4645).
We can provide these alerts only if you have provided your compatible mobile phone number and/or email address to us; we can provide alerts by text only if you have not opted out of communication via these methods. We provide alerts as a courtesy, and have no liability for any failure or delay to provide an alert to you. We may modify or discontinue these alerts at any time and without notice to you.
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.