Regions LockIt

Regions LockIt: Help prevent unauthorized use of your cards.

Regions LockIt

Regions LockIt® gives you the power to customize your Regions personal credit cards, CheckCards, prepaid Now cards and ATM 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 — from your Regions Mobile App or through Online Banking.

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^{legal disclaimer number1} bank

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.

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.

Access the Blocked Transactions tab within LockIt on your Regions Mobile App or in Regions Online Banking to review the history of transactions that were declined due to a control you have locked on your card.

To get alerts about declined transactions delivered to your mobile device, set up LockIt Alerts through the Manage Alerts tab in the Regions mobile app. You can also manage and view these notifications from the Settings menu in the Notification Center. Choose the contact method you prefer, such as push, text, or email. Whether you use LockIt in Regions Online Banking or the mobile app, we may notify you by email each time we block a transaction. There is no set up necessary.

How do I enroll my Regions card in Regions LockIt®?

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

How can I start using LockIt from my mobile device?

In the Regions Mobile App, there are two ways to access LockIt.

From the main menu, select Services. Choose Regions LockIt and the card you want to manage.
Or, from the Accounts menu, select the account. You can easily access Regions LockIt in Account Details.

How can I start using LockIt through Regions Online Banking?

To access LockIt through Regions Online Banking, log in and select Manage Regions LockIt from the “I Want To” dropdown menu on the top right corner of your dashboard. You can also access LockIt controls by selecting the Customer Service tab and then Regions LockIt under Card Services.

Can I lock a control on my Regions Mobile App and unlock it through Online Banking (and vice versa)?

You can use Regions LockIt on both your mobile app and in Online Banking to lock or unlock card controls.

Regardless of which method you use to lock or unlock a control:

It’s effective immediately and will be reflected on both the mobile app and in Online Banking
Any blocked transactions are listed on the Blocked Transactions tab on both the mobile app and in Online Banking

We may send you an email each time we block a transaction. There is no set up necessary.

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

If you’ll be using Regions LockIt on your Mobile App, make sure to set up LockIt Alerts through the Manage Alerts tab. You can also manage and view these notifications from the Settings menu in the Notification Center. Choose the contact method you prefer, such as push, text, or email to get notifications about declined transactions delivered right to your mobile device.

Note: if you have not registered a mobile device for alerts, you will need 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?

You can log in to Regions Online Banking to manage LockIt controls, or call us at 1-800-REGIONS (1-800-734-4667) for assistance.

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

While it can prevent new charges, don’t worry that LockIt will block all automated transactions on your card. We will still process those that you have set up as recurring subscriptions, bill payments, overdraft protection or credits to your account.

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.

Regions provides links to other websites merely and strictly for your convenience. The site is operated or controlled by a third party that is unaffiliated with Regions. The privacy policies and security at the linked website may differ from Regions’ privacy and security policies and procedures. You should consult privacy disclosures at the linked website for further information.

1. Visa is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A. Inc. Please see the Regions Deposit Agreement for information on liability for unauthorized transactions.