Program Basics

The Referral. Any Regions customer (a “Referrer”) who has registered for the Refer-a-Friend program can make a referral by providing the email address of a friend to a Regions associate or at Regions.com/refer. By providing the email address, the Referrer authorizes Regions to send an email on the Referrer’s behalf to the individual or business (a “Referred Person” or “Referred Business”) inviting them to switch to Regions and explaining how to earn a Visa® Reward Card for themselves and the Referrer. If the Referred Person or Referred Business earns a Reward Card, the Referrer will receive at least a $50 Reward Card.

To earn a $50 Visa Reward Card, the Referred Person must:

Within 90 days of receiving the referral:

• Register for the program (using the referral email or in a branch); and

• Open a new Regions personal LifeGreen® checking account.*

Within 60 days of opening the new account:

• Make at least ten Regions Visa® CheckCard purchases that post to the new account;

• Have at least one $300 or more ACH direct deposit (such as a reoccurring payroll or government benefit deposit) post to the new account; and

• Enroll in Online Statements through Regions Online Banking.

To earn a $150 Visa Reward Card, the Referred Business must:

Within 90 days of receiving the referral:

• Register for the program (using the referral email or in a branch);

• Open a new Regions business checking account and deposit at least $500 the day the account is opened.*

Within 60 days of opening the new account:

• Make at least one Visa Business CheckCard purchase that posts to the new account; and

• Enroll in Online Statements through Regions Online Banking.

*Note, you must register before opening the account. New accounts must remain open and in good standing (and Online Statements activated) for at least 60 days.

Eligibility and Exclusions. Must be at least 18 years old to be eligible for reward. Referrer be a Regions customer with a current Regions deposit account, Now Card, credit card, investment account, loan, line of credit, or similar Regions product or service that is in good standing. Employees of Regions Bank, Regions Financial Corporation, or affiliates are not eligible. The Referred Person and Referred Business cannot have (or have had) an ownership interest in a Regions deposit account within twelve months of the referral. The Referrer and the Referred Person and/or Referred Business cannot be the same person or share the same email address. Regions may report the value of the bonus to the IRS as required by law; anyone whose tax status would require Regions to impose tax withholding of any sort will not be eligible for a reward. If ineligible for any reason, no notice or reward will be provided. Offer subject to change without notice—including special offers.

Online Statements and Email. The Referred Person or Referred Business must remain enrolled in Online Statements for at least 60 days. Regions Online Banking requires either a Social Security or Taxpayer Identification Number. Alternative enrollment procedures may be available in a branch for a Referred Person. When opening the checking account and enrolling in Online Statements, the Referred Person or Referred business must use the email address to which the referral was sent, which must remain unchanged until fulfillment. Your friends’ email addresses will only be used for the program, not sold to third parties or used for other marketing solicitations. If the email address provided to us by the Referrer is on our opt-out list or incorrect, the referral may not be received.

Reward Cards. Reward Cards are only valid for six months after issuance and will be mailed to the physical customer address (used at time of registration within Regions Offer Tracker), within 120 days of all requirements being met. Reward Cards are subject to the Terms and Conditions delivered with the cards, including transaction-type limitations. To check card balance, report a stolen card or suspected fraud, please contact Visa directly at 1-866-591-4438.

Maximum Reward. You can receive up to $500 per calendar year in referral rewards. If one recipient receives more than one referral, only the first Referrer to send a referral (according to Regions’ records) may receive a reward. The Referred Person or Referred Business may only receive one reward for accepting a referral but can receive rewards as a Referrer for making other referrals. This offer may not be combined with other offers and may end or be changed without notice.

Status of Incentive. By participating in the program, each party waives all rights of privacy and confidentiality relating to their status as a Regions customer, and releases Regions and its employees from all liability in this respect. The Referred Person and Referred Business authorize Regions to disclose their program status to the Referrer at Regions.com/myoffertracker (i.e., what requirements have been met, if any).

Deposit Account Disclosures. Minimum opening deposit is $25 for personal and $100 for business checking accounts. The Annual Percentage Yield (APY) paid on LifeGreen Preferred Checking® and Regions Business Interest Checking accounts is based on account balance and as of 02/01/19 was 0.01% on all balances. No interest is paid on other personal or business checking accounts. Regions may change the APY at any time. A monthly fee may apply depending on account type but may be waived on some accounts if certain conditions are met. Fees may reduce earnings. All deposit accounts are subject to the Regions Deposit Agreement. Recipient is responsible for any resulting taxes. Accounts opened in Iowa may be subject to a 6% Iowa Sales Tax.

Posting of Purchases. CheckCard purchases do not always post to the account immediately—the timing depends largely upon the merchant. Purchases include payments made using the CheckCard number, but not ATM or “pending” transactions or payments made using digital payment technology, such as Zelle®.

ACH Direct Deposit. Any deposits of at least $300 that are made using the Automated Clearing House (ACH) network will count towards fulfilling the ACH direct deposit requirement, provided they post before the deadline. Note that some digital payment technologies use the ACH network and some do not (such as Zelle). If you do not know whether a specific digital payment technology uses the ACH network, contact the provider or a Regions banker.

Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

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