Advantage Business Checking

For small business owners who have a moderate monthly transaction volume and who use, or want to use, multiple Regions business accounts and services.

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$0

monthly fee options

$0 when you maintain an average monthly balance of $10,000¹ in the Advantage Business Checking account or a total of $30,000 in combined related non-personal account balances²

More ways to waive the $25 monthly fee

Review the Quick Guide to Advantage Business Checking for more details
$20,000

cash processed per month for $0

$20,000 in cash processed at no charge each calendar month; then $0.25 per $100 for additional cash deposits³
500

transaction items per statement period for $0

No charge for the first 500 transaction items each statement period; then $0.50 for each additional transaction item⁴

Want to avoid the monthly fee?

Avoid the $25 monthly checking account fee by doing one of the following:

Maintain an average monthly statement balance of $10,000¹

Have combined balances of $30,000 in related⁵ non-personal accounts²

Make at least $2,500 in any combination of Regions Visa® Business Debit Card and/or Business Credit Card purchases⁶

Make at least one deposit to this account using Regions Quick Deposit⁷

More features of Advantage Business Checking

Choice of Regions iTreasury® Small Business with a cash management package

Regions Online Banking for Business⁸ with Bill Pay

Relationship CD Rates for customers who have a Regions checking account and meet other requirements⁹

Option to link your business checking account to an eligible Regions funding account for Overdraft Protection

More account details

Monthly fee

$25 with paper statements or online statements (no check images)
No monthly fee when you do one of the following:

Maintain an average monthly statement balance of $10,000¹
OR
Have combined balances of $30,000 in related⁵ non-personal accounts²
OR
Make at least $2,500 in any combination of Regions Visa® Business Debit Card and/or Business Credit Card purchases⁶
OR
Make at least one deposit to this account using Regions Quick Deposit⁷

Minimum opening deposit
$100

Cash deposit fee
$20,000 processed at no charge each calendar month; then $0.25 per $100 for additional cash deposits³

Items deposited
No charge for the first 500 transaction items⁴ each statement period; then $0.50 for each additional item

Checks
Custom three-to-a-page business checks and custom value packs available¹⁰

Monthly statements
No charge for online statements or paper statements with no check images. Paper statements with check images are available for an additional fee.¹¹

Other fees
Early Account Closing, Stop Payment, and Paid Overdraft Item.¹² See Pricing Schedule for additional fees that may apply.

Option to link your business checking account to an eligible Regions funding account for Overdraft Protection.

Choice of Regions iTreasury® Small Business cash management package

OR

Regions Online Banking for Business⁸ with Bill Pay
24-Hour Automated Telephone Banking
30% discount on one Safe Deposit Box with an additional 10% discount with auto debit from a Regions checking or savings account (subject to availability).
Mobile Banking⁸
Relationship CD Rates for customers who have a Regions checking account and meet other requirements⁹
Earn cash back with Regions Offers®
My GreenInsights

Regions requires certain documentation to identify business entities, open business accounts, and identify signers on a business account:

Any individual opening a business checking account should be able to provide:
- A valid type of identification for themselves¹³ (with the exception of public funds accounts)
- A valid type of identification for the business entity
- Additional documentation to identify the signers on the account(s)
- Name, date of birth, address, and a Social Security Number or taxpayer identification number and secondary identification for the person opening the account (except for public funds accounts)
Any signer being added to the business account should be able to provide:
- Valid identification for themselves¹³
- Name, date of birth, address, and a Social Security Number or taxpayer identification number and secondary identification (except for public funds accounts)

Learn more about what’s required to open an account

Enroll in Online Banking Business Services

Simplify your finances and keep your business one step ahead with Online Banking Business Services.⁸ With one login, you can check account balances, pay bills, transfer funds, and more. Plus, you can customize your small business cash management tool kit.

Online Banking Business Services details Log in to Online Banking

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For the average monthly balance of the Advantage Business Checking account, we divide the sum of the opening posted balances for each day in the statement period by the number of days in the statement period. For all other accounts, we divide the sum of the ending posted balances for each day in the statement period by the number of days in the statement period. Please note that your account statement only shows ending posted balances and an average balance reflected by those ending posted balances. If your account is an Advantage Business Checking account, the average balance shown on the account statement is not used for purposes of the monthly fee waiver. The ending balance for any day is the opening balance for the next day.
Combined total balances in related non-personal accounts can include $30,000 in non-personal checking, savings and money market (excludes Public Funds, IOLTA/IOTA, and Trust accounts) accounts or in outstanding business credit card, non-personal line of credit and closed-end loan balances, or any combination of the preceding. Accounts are considered related if they share the same ownership title and taxpayer identification number. Balances determined at the beginning of the last day of your Business Advantage Checking account statement cycle.
Cash Deposit fees are calculated each calendar month at month end and then charged on the following statement cycle. To determine the amount of the fee, we divide the amount of cash deposits that exceed the deposits processed at no charge by $100 and multiply the resulting quotient by the applicable fee.
Items include all deposited items (including deposit slips) and other credits to the account plus all withdrawals (excluding ATM), transfers (excluding Overdraft Protection transfers) and other debits from the account, whether by check, Regions Visa® Business Debit Card, Automated Clearing House or otherwise.
Accounts are considered related if they share the same ownership title and taxpayer identification number. Balances determined at the beginning of the last day of your checking account statement cycle.
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.For the monthly fee waiver, we count Regions Visa® Business Debit Card and Visa® Business Credit Card purchases that occur during the time period shown on the periodic statement for this checking account, excluding those that post on the last day of the period, which are counted with purchases for the following statement cycle. Only business debit card purchases on this checking account are counted. Only business credit card purchases on accounts held in the name of the entity or person listed as either first or second owner on this checking account are counted. Commercial Card and personal credit card purchases are not counted.
For the monthly fee waiver, we count the Quick Deposit transactions for the time period shown on the periodic statement for this checking account, excluding those that post on the last day of the statement period, which are counted with Quick Deposit transactions for the following statement cycle.
Enrollment in Regions Online Banking requires eligible Regions accounts. To enroll in Online Banking, you must have either a Social Security or taxpayer identification number or use alternative enrollment procedures available by visiting a branch. Regions Mobile app, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. There is no fee to access Online Banking or the mobile app, but fees may apply to certain products and services offered through Online Banking and the mobile app. Mobile Deposit may be subject to fees. Your mobile carrier’s messaging and data fees may apply. You must be at least 18 years of age to use Regions Bill Pay or Zelle®. U.S. checking or savings account required to use Zelle®.
Please refer to the Business Checking, Money Market, Savings & Time Deposit Accounts Pricing Schedule for more details.
Price varies by style. Order via Online Banking, visit your local branch or call 1-800-734-5667.
Fee will be assessed whether or not checks are written during the statement cycle.
Paid Overdraft Item Fee - $36 per item we pay on your behalf when you do not have sufficient available funds; Early Account Closing - $25 if closed within 180 days of opening; Stop Payment - $36 per request/renewal. We do not charge a transfer fee for Overdraft Protection transfers.
A picture ID where the individual is veiled or is wearing a hat, dark glasses, or other accessories that mask their complete face is not acceptable.