Standard Overdraft Coverage

We understand that life is busy. From time to time, anyone can lose track of how much money is available in their checking or money market account.

Regions has services to help you when you need available funds: Regions Overdraft Protection and Standard Overdraft Coverage. Both services may be available to eligible accounts.

Standard Overdraft Coverage

Regions Standard Overdraft Coverage is a service we provide on many checking accounts that may cover transactions if you overdraw the available funds in your account. If we make Standard Overdraft Coverage available to you, we may pay your check, ACH and recurring debit card transactions even if you don’t have sufficient available balance in your account, which may result in an overdraft fee. If you opt in to Standard Overdraft Coverage for ATM and everyday CheckCard transactions, we may authorize and pay your ATM and nonrecurring debit card transactions into overdraft. Our Paid Overdraft Item (and Returned Item) fee is $36 and is subject to change. ^{legal disclaimer number1}

If you decide you do not want Standard Overdraft Coverage for ATM and everyday CheckCard transactions, your CheckCard and ATM transactions will be declined when your available balance is insufficient to cover the transaction. This will not prevent all overdrafts — it means we will decline to authorize transactions at the point of sale or withdrawal if the money is not available at the time of the transaction.

Visit a Regions branch, call 1-800-REGIONS (1-800-734-4667) or log in to Regions Online Banking.

What You Need to Know About Overdrafts and Overdraft Fees (pdf)