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Transaction Posting Information

Starting on April 27, 2018, we are changing the order in which we post transactions to your account. Understanding this new posting order may help you stay on top of your account balance and avoid overdraft fees.

How do transactions post to my account prior to April 27, 2018?

At the end of each business day, Regions first posts deposits and other credit transactions. We then post debit items in the following order: wire transfers by date and time, checks in check number order, and electronic payments by transaction date and time.

What’s changing as of April 27, 2018?

After this change goes into effect, items will be posted in the following order by category:
  1. Deposits and other credit transactions will continue to be posted first.
  2. Wire transfers and certain commercial debits will post by the transaction date and time.
  3. Money sent through Zelle®* as well as internal account transfers made through Online and Mobile Banking and iTreasury (such as a transfer from a Regions checking account to a Regions savings account) will post by the transaction date and time.
  4. Checks will post in check number order.
  5. Other electronic payments (for example, CheckCard, electronic bill payment and Regions Personal Pay® transactions) will post by the transaction date and time.

In some cases, items may not have a readable check number or identifiable date/time. These items will be posted by dollar amount, from lowest to highest, after the other items in their category. Please remember that modern bank payment processing systems and operations are complex and that exceptions to the general posting order description may apply. Please keep track of your balance as you use your account.

*Zelle availability is pending.

What does this change mean for me?

Our new posting order won’t have a significant effect on your everyday banking if you maintain sufficient funds in your account to cover all your transactions. However, if you do not maintain sufficient funds in your account, the new posting order could impact the number of nonsufficient funds and overdraft fees on your account.

A simple example of how the new posting order will work

Your daily transactions will post in the following order once this change goes into effect:

If you have any questions about this new posting order, please speak with your Regions Banker or call 1-800-REGIONS.

 

© 2018 Regions Bank. We are providing you with information about transaction posting as a courtesy to you and to help you manage your account. This is not a contract and does not replace the terms and conditions of your deposit agreement. Regions reserves the right to change transaction posting practices at any time without notice. It is your responsibility to keep track of your account transactions and to know the balance in your account at the time you execute account transactions. If you wish to avoid overdrafts and the return of items due to insufficient funds, and associated fees, you should not execute debit transactions that may be presented against your account when there are insufficient funds in the account to cover the transactions. *Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. | Regions and the Regions logo are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank.