Regions LockIt

Regions LockIt: Help prevent unauthorized use of your cards.

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Regions LockIt

Regions LockItSM gives you the power to customize your Regions personal credit cards, CheckCards and prepaid Now cards to fit how, when and where you use them. Simply lock the controls for the transactions you want to block, and unlock them as often as you’d like — quickly and easily with the touch of a button — right from your Regions mobile app.

  • All Transactions
  • In-Store Purchases
  • Online Purchases
  • ATM Transactions

Visa

LockIt Controls

Select the controls to block the transactions that are right for your situation. If you misplace or lose your card, lock the All Transactions control until you find it or can report it as lost. If you just want to manage how your card is used, lock only the controls for the transactions you want to secure so you feel confident knowing your card is being used when and where you want.

LockIt offers four convenient types of card control:

All Transactions

When you lock the All Transactions control, your card cannot be used for:

  • All purchases (online, in-store and other)
  • Call Center transfers
  • ATM cash withdrawals
  • ATM transfers to deposit accounts
  • Non-recurring transactions
  • Credit card cash advances from an ATM, Regions branch or another Visa bank
  • Credit card cash advances using Access Checks

In-Store Purchases

When you lock the In-store Purchases control, your card cannot be used for purchases in stores.

Online Purchases

When you lock the Online Purchases control, your card cannot be used for purchases online or by phone.

ATM Transactions

When you lock the ATM Transactions control, your card cannot be used for cash withdrawals, transfers to deposit accounts, or credit card cash advances at ATMs.

View the LockIt Card Control Chart

LockIt controls will not block all transactions on your card.

  • They will not block transactions processed when standard authorization systems are not used.
  • They will not block merchant-identified recurring transactions, credits to your account, ATM deposits, ATM Now Card loads, ATM payments (including transfers from your deposit accounts to your credit accounts), ATM check cashing, ATM inquiries or ATM account mini statements.
  • If your credit card provides overdraft protection to your checking account, they will not block overdraft protection advances.

Monitoring Blocked Transactions

Access the Blocked Transactions tab within LockIt to review the history of transactions that were declined due to a control you have locked on your card.

LockIt Alerts

Set up and manage LockIt alerts to get push notifications about declined transactions delivered to your mobile device.

Frequently Asked Questions

How do I enroll my Regions card in Regions LockItSM?

No enrollment is necessary. Regions LockIt is available through the Regions Mobile Banking app on all personal credit cards, CheckCards and prepaid Now cards. LockIt is not currently available on business cards.

How can I start using LockIt?

Log in to your Regions mobile app and select LockIt to get started.

How do I set up LockIt alerts using my mobile device?

  1. Log in to the Regions Mobile App.
  2. Select Settings.
  3. Select Alerts.
  4. Select the Account to which the alert applies.
  5. Select LockIt Alert.
  6. Select the registered device(s) you want the alert delivered to.
  7. Save your preferences.

Note: If you have not registered a mobile device for push alerts, you will be prompted to complete this step first.

Why/when should I use LockIt?

Using Regions LockIt card controls can help reduce the risk of unauthorized use of your cards. Select the level of control required to block the transactions you need for your particular situation — for example, if you suspect fraud, misplace your card or just want to manage how and where a card is used.

What happens when I lock a control?

You will not be able to use your card for the type of transactions blocked by that control.

What happens when I unlock a control?

The types of transactions covered by that control will not be blocked unless you have locked another control that will block them.

How quickly will a control lock/unlock work?

As soon as you lock/unlock a control, all new transactions covered by that control will be immediately blocked/unblocked.

What if I don’t have my mobile device and want to lock/unlock a control?

Please call us at 1-800-472-2265 to speak with an electronic banking associate who can assist you.

Will locking the All Transactions control stop monthly bill payments automatically drafted from my account?

Payments or automatic drafts identified by the merchant as recurring transactions will not be blocked.

Can I still use my card at an ATM if I lock the ATM transactions control?

You can still use your card at an ATM to:

  • Make a deposit to your Checking Account
  • Load funds to your Now Card
  • Cash checks
  • Make payments (including transfers from your deposit accounts to your credit accounts)
  • Check account balances
  • View/print account mini statements

Why won't LockIt block card transactions when standard authorization systems are not used or unavailable?

"Standard authorization systems” refers to the network systems that are used to obtain actual authorization from issuers for card transactions. LockIt will not stop card transactions that are not processed through these systems, such as:

  • When these systems are down and transactions are processed through alternative authorization solutions.
  • When a merchant chooses not to get authorization.