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.

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 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.

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.