Regions
SafeGuard Checking

Concerned about fees? Regions SafeGuard Checking1 comes with guardrails for more control.

At Regions, we understand life is busy and keeping up with your finances can be a challenge. That's why we have introduced Regions SafeGuard CheckingSM, a personal checking account which combines many of the same great features and benefits of our other popular checking products with the security of boundaries on fees for insufficient funds events to help you manage your money.
Available only in South Alabama and the Florida Panhandle, SafeGuard Checking offers you the tools you need to effectively manage your checking relationship:
  • Flat monthly account fee of $10
  • Courtesy standard overdraft coverage limit (the Flex Limit) of up to $1002
  • A unique fee structure, with a $10 "Flex Fee" charged for certain insufficient funds events:
    • Each day an overdraft protection transfer is made to the account, or
    • Each day an overdraft item is paid, or
    • Each day an item is returned unpaid because the account lacks available funds to pay the item, or
    • Each period of seven (7) consecutive business days within a statement period that the account remains overdrawn.
  • Not more than one $10 Flex Fee will be charged per day, and not more than $50 in Flex Fees will be charged per statement period, regardless of the number of insufficient funds events.3
  1. SafeGuard Checking is a consumer checking account that currently is available only in select markets in South Alabama and Northwest Florida. Please call 1-800-REGIONS (734-4667) to see if you are in a market where Regions SafeGuard Checking is available. The SafeGuard Checking account is subject to the Regions SafeGuard Checking Disclosure of Account Terms and Pricing Schedule, which is available upon request.
  2. Information about Standard Overdraft Coverage for SafeGuard Checking:  Subject to the requirements of applicable law and the terms of the account, a $10 Flex Fee may be imposed when we pay any debit transaction that exceeds the account's available balance, including by check, in-person or ATM withdrawal, CheckCard, or withdrawal/ transfer by any other manual or electronic means, and a $10 Flex Fee also may be charged for each period of seven (7) consecutive business days within a statement period that the account’s posted balance remains overdrawn.  Fees are subject to change, subject to notice required by law.  We reserve the right to require you to pay any overdraft immediately or upon demand. We also reserve the right not to pay overdrafts. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. For more information, please request and review the disclosure entitled "What You Need to Know About Overdrafts and Overdraft Fees for Regions SafeGuard Checking" and the Safeguard Checking Disclosure of Account Terms and Pricing Schedule.
  3. Other miscellaneous fees and charges apply. For details, see Regions SafeGuard Checking Disclosure of Account Terms and Pricing Schedule, which is available upon request.