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When you open a bank account with Regions, you'll discover a full spectrum of accounts, products and services designed to meet your banking needs.

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Open a checking account online

most popular
LifeGreen® Checking

Everyday banking with perks.

Monthly fee options:

$0 with a monthly direct deposit of at least $500¹

More ways to waive the fee

$8 with online statements

$11 with paper statements

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interest-earning
LifeGreen Preferred Checking®

Exclusive account that earns interest and provides preferred services and benefits.

Monthly fee options:

$0 with an average monthly balance of $5,000²

More ways to waive the fee

$18

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no overdraft Fees
Regions Now Checking®

Checking account with safeguards to help manage your money and no overdraft fees.

$5 monthly fee (can't be waived)

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e-checking account
LifeGreen eAccess Account®

You bank online, pay primarily with a card and may write a few checks.

Monthly fee options:

$0 with at least 10 Regions debit card and/or credit card purchases³

More ways to waive the fee

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Senior checking with perks
62+ LifeGreen® Checking

If you’re 62 or better, you've earned added benefits like an easier way to waive the monthly fee.

Monthly fee options:

$0 with a monthly direct deposit of at least $300¹

More ways to waive the fee

$8 with online statements

$11 with paper statements

Open now Account details

student checking for 25 and under
LifeGreen® Checking for Students

Account with no monthly fee if you are 25 years old or younger.

$0 monthly fee

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Savings, Money Market and CD Accounts

predictable return with minimal risk
CD Account

A Certificate of Deposit that will earn you a competitive rate and provide a predictable return with low risk.⁴ ⁵

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$500 minimum opening deposit for CDs with terms of 90 days or more

$2,500 minimum opening deposit for CDs with terms from 7 days to 89 days

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Savings account bonus
Regions LifeGreen® Savings

If you have a Regions checking account⁶, you can save money and earn interest with no monthly fee, no minimum balance requirement and a bonus opportunity⁷.

Check rates

$0 Monthly fee if you have a Regions checking account ⁶

$50 Minimum opening deposit
OR
$5 Minimum opening deposit if opened at a branch, and you set up automatic recurring monthly savings transfers from a Regions personal checking account⁶

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Low-cost savings account
Regions Savings

Basic, low-fee savings account to build your nest egg for the future. Plus, you can avoid the monthly fee by maintaining a $300 minimum daily balance.

Check rates

$5 Monthly fee

$50 Minimum opening deposit

How to waive the monthly fee

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Kids Savings account
Savings for Minors

Savings account for customers under 18 years of age⁸ with no monthly fee and no minimum balance requirements.

Check rates

$0 Monthly fee

$5 Minimum opening deposit

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savings account bonus
Regions Now Savings

Savings account for the primary cardholder of a Now Card ⁹ that gives you the opportunity to earn monthly and annual savings bonuses. ¹⁰ ¹¹

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$0 Monthly fee

$10 Minimum opening deposit⁹

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Option to waive monthly fee
Money Market Account

A basic account that enables you to earn interest while having immediate access to your funds.

Check rates

$12 Monthly fee

$100 Minimum opening deposit

How to waive the monthly fee

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Premium rates
Premium Money Market Account

An account that offers premium rates and access to funds.

Check rates

$15 Monthly fee

$100 Minimum opening deposit

How to waive the monthly fee

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Personal loans

no collateral, Fixed-rate loan
Unsecured Loan

No collateral required. Interest rates as low as 8.74% APR.¹²

Maximum loan amount for existing customers is $50k.

Apply online Loan details

use a regions account balance as collateral
Deposit Secured Loan

Secure funds at a low, fixed interest rate with a Regions CD, savings or money market account.

Maximum loan amount is up to 100% of available balance in a deposit account securing it.

Apply online Loan details

Use an rv, boat or utility vehicle as collateral
Secured Installment Loan

Secure funds to purchase or refinance a recreational vehicle at a low, fixed rate.

Each vehicle type has an individual maximum loan amount ranging from $5k – $300k.

Make an Appointment Loan details

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Credit cards

Build positive credit
Explore Visa® Credit Card

Responsible use of the Explore Visa® Credit Card can help you build a positive credit history.¹³

Apply Now Card details

Save on interest
Life Visa® Credit Card

Take advantage of our longest standard introductory interest rate¹⁴ to help you manage your finances with the Life Visa® Credit Card.

Apply now Card details

Unlimited Cash Rewards
Cash Rewards Visa® Credit Card

Earn 1.5% Cash Rewards¹⁵ on purchases¹⁶ with no annual fee ¹⁴ with the Cash Rewards Visa® Signature Credit Card.

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Enhanced benefits
Premium Visa® Signature Credit Card

Earn 1.5 Relationship Rewards¹⁵ points per $1 in purchases¹⁶ with the Premium Visa® Signature Credit Card.

Apply now Card details

Cash Back on everyday purchases
Prestige Visa® Signature Credit Card

Earn up to 3% cash back on everyday purchases.¹⁶ Earn up to 4% when you register for Rewards Multiplier.¹⁷

Apply now Card details

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Personal lines of credit

no collateral with a variable interest rate
Preferred Line of Credit

A revolving line of credit that requires no collateral and has a variable interest rate.

The maximum line amount is $50k.

Apply online Line of credit details

Use a regions account balance as collateral
Savings Secured Line of Credit

Secured by a Regions savings or money market account. A great way to improve less-than-perfect credit when used responsibly.

Max amount up to 100% of available balance in the Regions account used as collateral.

Apply online Line of credit details

Small line of credit for overdraft protection
Protection Line of Credit

A small revolving line of credit for overdraft protection. Credit line of $50 to $500 with a fixed interest rate, no annual or transfer fee.

Eligible Regions customers will receive an invitation through email or online banking.

Line of credit details

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For the monthly fee waiver, we count all ACH direct deposits that post to your account during the account statement period, excluding the last day of the period. ACH direct deposits that post on the last day of the statement period are counted in the following statement period.
For the average monthly balance, we divide the sum of the ending posted balance for each day in the statement period by the number of days in the statement period. Please note that your account statement only shows ending posted balances and an average balance reflected by those ending posted balances. The ending balance for any day is the opening balance for the next day.
Posted to your eAccess Account during the statement period for debit card activity and posted in the most recent billing cycle for your credit card account for credit card activity.
Special or promotional rates may apply to certain accounts, are for a limited time only, and cannot be combined with other bonus rate offers. Offer is subject to change at any time. Not available for brokered deposits, or to public entities, financial institutions, or Commercial Banking customers, as defined by Regions and/or as indicated in Regions’ records. Advertised Relationship CD rates and APYs only available for advertised term lengths if (1) opened at a participating branch using the “Find a branch near you.” button above; and (2) you meet the following Relationship Pricing requirements:
- The time deposit term must be at least 32 days; and
- The primary or secondary designated owner on the time deposit must be the primary or secondary designated owner on an open Regions Bank checking account in good standing during the term of the time deposit.
If you do not meet the bank's relationship requirements, your account will earn the lower Standard Pricing interest rates and APYs. Details about Relationship Pricing and Standard Pricing are disclosed in time deposit account documentation and disclosures and are available from the Bank’s customer service representatives. Please note that IRA and Private Wealth Management deposits are subject to separate pricing terms and do not participate in Relationship Pricing.
Regions CDs are uncertificated time deposit accounts and subject to the terms and conditions of the Regions Deposit Account Agreement and other related disclosures, terms, and conditions. This page is not an offer or contract and does not amend the Deposit Agreement, the terms of which govern and control. Annual Percentage Yields (APYs) are accurate as of 08/14/23. Rates offered for CDs may be changed at any time without notice. The minimum balance required to open the CD and obtain the APY is $500. Early withdrawal of funds may result in substantial penalty.
If you have a LifeGreen Savings account and do not have a Regions checking account, or if you close your Regions checking account, Regions reserves the right to convert your LifeGreen Savings account to a Savings account. We will notify you in advance if we convert your account.
To qualify for a LifeGreen Savings Account, you must have a Regions checking account. The minimum opening deposit amount for a Regions checking account is $50. The minimum opening deposit amount for opening a LifeGreen Savings Account is $50 (or $5 if you set up a monthly automatic savings transfer from a Regions checking account). 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 and the LifeGreen Preferred Checking (other Regions checking accounts do not pay interest) account is based upon balance and may change at any time. Check the current APY. 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.
One account holder must be age of majority in the state where the account is held.
In order to be eligible for and to maintain a Regions Now Savings account, you must be the primary cardholder on a Regions Now Card and you must keep the Now Card open and in active status. If your Now Card is closed or becomes inactive for any reason, or if we otherwise determine that you are not the primary cardholder on a Now Card, we may convert your Regions Now Savings account to a Savings account. You may open and maintain no more than one (1) Regions Now Savings account at a time as primary cardholder. If at any time you are the primary owner on more than one (1) Regions Now Savings account, we may convert any or all of your excess Regions Now Savings accounts to Savings accounts. We will notify you in advance if we convert your Regions Now Savings account to a Savings account. Please see pricing schedule for full details.
Regions Now Savings Builder Bonus: Each month a deposit of funds of at least $5 is made to your Regions Now Savings account AND you make no withdrawals from your Regions Now Savings account during that same month, you will receive a $1 credit to your Regions Now Savings account. The bonus will be paid by the second business day of the month following each month the bonus is earned. To receive the builder bonus, your account must be open on the date the builder bonus is paid. You are responsible for any tax due on any amount received under this offer. The Annual Percentage Yield (APY) for the Regions Now Savings account is based upon balance and may change at any time. Fees could reduce earnings on the account. Check the current APY.
Regions Now Savings Annual Savings Bonus: A deposit of at least $5 to your account each calendar month, beginning with the account opening 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 month period preceding the month in which the anniversary of your account opening falls (your "Account Anniversary Month"). The bonus will be paid by the second business day of the month following your Account Anniversary Month. To receive the annual savings bonus, your account must be open on the date the annual savings bonus is paid. Maximum annual savings bonus is $100. You are responsible for any tax due on any amount received under this offer. The Annual Percentage Yield (APY) for the Regions Now Savings account is based upon balance and may change at any time. Check the current APY. Fees could reduce earnings on the account. An initial Minimum Load of $10 is required for a Now Card.
As of today, annual percentage rates range from 8.74% APR to 29.99% APR. The lowest APRs are only available to borrowers with excellent and substantial credit history, who have their payments automatically debited from a Regions checking account (Auto-Pay), and meet other specific credit criteria, such as qualifying loan term of 36 months and a loan amount of $25,000 or more. Your interest rate will depend on your credit history, loan amount, loan term, and election to receive the 0.25% Auto-Pay discount. All loans are subject to credit approval. Loan amounts range from $2,000 up to $50,000 for existing customers. Loan terms range from 36 months (minimum) up to 60 months (maximum). Term length options depends on loan amount. Payment example: A $12,000 loan at 19.74% APR requires 48 payments of $363.50. A $20,000 loan at 17.49% APR requires 48 payments of $582.18.
Learn more about the Annual Percentage Rates (APRs) and certain fees that apply to the Explore Visa Credit Card.
Learn more about the Annual Percentage Rates (APRs) and certain fees that apply to all credit cards except the Explore Visa Credit Card.
Regions Rewards programs allow you to earn rewards for qualifying purchases on certain Regions credit cards. APRs on credit cards with rewards may be higher than those without rewards.
Rewards are not earned for any purchases of items that can be traded right away for cash (such as wire transfers, money orders, traveler’s checks, lottery tickets or casino chips), or any other cash advances, balance transfers, fees, interest charges, or unauthorized or fraudulent purchases.
Additional cash back on entertainment, dining, gas and grocery store purchases are awarded based on the merchant category code (MCC) assigned to the merchant where you made the purchase. Regions does not control which MCC a merchant is assigned; it is based on the primary good or service the merchant sells. If a merchant’s MCC does not match the MCC for one of these categories, 1% cash back will be awarded for the purchase. Learn more about the Prestige card special offer.
This Program is a bonus available in connection with certain Regions deposit accounts. The Annual Percentage Yield (APY) for currently offered interest-bearing consumer deposit accounts whose balances are used to calculate the Total Average Deposit Balance is available at www.regions.com. Visit the applicable product page and click the “Details” tab and/or enter your zip code for interest rates and APYs in your area. Select LifeGreen Preferred Checking, LifeGreen Savings, Savings, Savings for Minors, Now Savings, Money Market, Premium Money Market, CD, IRAs.

Open a Bank Account Online

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Checking

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