Checking Business

You are a business owner with a sole proprietorship, startup or LLC, want a checking account with convenient e-services, and you process a large amount of transactions.

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The Basics

Get started with a ^$100 deposit
150 combined transactions
Bank anytime you want

Business Checking Account Details

Benefits

Choice of Regions iTreasury Small Business cash management package OR, Regions Online Banking for Business with Bill Pay¹

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 Banking ²

Relationship CD Rates

How to Avoid Monthly Fee

$12 monthly fee waived with one of the following:

Maintain an average monthly statement balance of $2,500
OR at least $1,000 in Regions Business Visa CheckCard and/or Visa purchases³
OR one or more Merchant Services transactions.⁴⁵

Excessive Withdrawal / Item Fee

No charge for the first 150 items⁶ each statement period; then $0.50 for each additional item

Cash Deposit Fee⁷

$5,000 processed at no charge each calendar month; then $0.25 per $100 for additional cash deposits

Other Fees

Returned Items, Early Account Closing, Stop Payment, Returned Deposit Item, Overdraft Protection Transfers & Paid Overdraft Item ⁸. See Pricing Schedule for additional fees that may apply.

Minimum Opening Deposit

$100

Interest

N/A

Checks

20% discount on first order of custom three-to-a-page business checks and custom value packs available.

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.⁹

Overdraft Protection

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

Features

24-Hour Automated Telephone Banking
Cashback Rewards
My GreenInsights

Ways To Open

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Ways to Open This Account

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Why Regions?

Business Solutions

Enjoy the convenience and security of using merchant services, along with essential cash management tools available for enrollment directly through your Regions Online Banking account – keeping your business one step ahead.

Community Involvement

We believe in giving back to our communities by supporting local organizations and donating our time and talents. We even give associates a paid day off each year to volunteer with a cause of their choice.

Convenience

Bank when, where and how you want with Mobile and Online Business Banking solutions such as Bill Pay, Online Statements, Online Funds Transfer and Quicken/Quickbooks Access.

Flexibility

Choose from among a variety of checking, savings, credit and loan products and services that are specially designed to help you manage your day-to-day operations so you can concentrate on what you do best.

Insights

Visit Business Insights by Regions to take advantage of tools, tips and calculators that help you manage your business, monitor cash flow, provide information on financing options and track your spending.

Personal Service

With award-winning customer service through a branch, online, over the phone, on Facebook or Twitter, or even at an ATM, we strive to make each experience a satisfying one.

Looking for More?

Enrollment in Online Banking with Bill Pay requires eligible Regions accounts. To enroll in Online Banking, you must either: have a Social Security or Tax Identification Number; or use alternative enrollment procedures available by visiting a branch. Fees may apply to certain products or services available through Online Banking. Access to Online Banking has no fees but fees may apply to certain services.
Mobile Banking requires a compatible device and enrollment in Online Banking which requires a Social Security or Taxpayer Identification number. Your carrier's messaging and data fees may apply.
For the monthly fee waiver, we count Business CheckCard and 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 CheckCard 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.
Merchant Services are provided by Elavon and are available to eligible customers, subject to terms, conditions, and fees. Must have a compatible device. Your carrier's messaging and data fees may apply. For the monthly fee waiver, we will count Merchant Services deposits that post 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 period. For new Merchant Services customers, it may take up to one full statement cycle for the waiver to take effect.
LifeGreen Business Checking customers can avoid monthly minimum fees by maintaining an average monthly statement balance of $2,500, making a minimum of $1,000 in Regions Business Visa® CheckCard or Business Credit Card purchases or crediting one Regions Merchant Services transaction.
Items include all deposited items (including deposit slips) and other credits to the account plus all withdrawals (excluding ATM), transfers and other debits from the account, whether by check, CheckCard, Overdraft Protection transfer, Automated Clearing House or otherwise.
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.
Returned Item - $36 per item when we do not pay a check or other transaction because you do not have sufficient funds and the item is returned; Early Account Closing - $25 if closed within 180 days of opening; Stop Payment - $36 per request/renewal; Business checking fees include: $36 per item when we do not pay a check or other transaction because you do not have sufficient funds and the item is returned; Early Account Closing - $25 if closed within 180 days of opening; Stop Payment - $36 per request/renewal; Returned Deposit Item Fee of $10 for each check that you deposit that is rejected due to insufficient funds in the payer’s account, stop payment, etc; Overdraft Protection Transfers - $10 each day there is a transfer from your linked Regions overdraft funding account (see Overdraft Options below for more information). Paid Overdraft Item Fee - $36 per item we pay on your behalf when you do not have sufficient available funds (see Overdraft Options below for more information).
Fee will be assessed whether or not checks are written during the statement cycle.