Standard Overdraft Coverage

Regions Personal Banking Services

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.

When you need available funds, both our Standard Overdraft Coverage and Regions Overdraft Protection may be available to eligible accounts.

In the event that you do experience an overdraft in your checking account, Regions Overdraft Grace allows you to quickly make a deposit or transfer funds to your account to help you avoid overdraft fees. Learn more about Regions Overdraft Grace.

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 debit card transactions, we may authorize and pay your ATM and nonrecurring debit card transactions into overdraft. Our Paid Overdraft Item fee is $36 and is subject to change.¹ There is no charge if we pay a check or other item due to insufficient funds and the item is returned. When the available balance in your personal account is overdrawn by $5 or less after end-of-day processing, we will not charge you a Paid Overdraft Item Fee for items that post that day.

If you decide you do not want Standard Overdraft Coverage for ATM and everyday debit card transactions, your debit card 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 and you will not be charged an overdraft fee.

With Regions Overdraft Grace, you can get a little extra time to make a deposit to your personal checking account or transfer funds from another account to cover an overdraft. When one business day's transactions overdraw your account’s available balance by more than $5, you’ll have until 8 p.m. Central Time the next business day to add funds to the account. As long as your checking account's available balance is positive or isn't overdrawn by more than $5 after nightly processing for that next business day, we won’t charge you an overdraft fee.

To change your Standard Overdraft Coverage election, visit a Regions branch, call 1-800-REGIONS (1-800-734-4667) or log in to Regions Online Banking.

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, debit card, 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.