Simple Checking Business

Checking account for small business owners who have limited transaction needs, use a CheckCard or credit card frequently, and don’t want to be restricted by minimum balance requirements.

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The Basics

Get started with a ^$100 deposit
Easy ways to waive a monthly fee
Bank anytime you want

Account Details

Benefits

Regions Online Banking for Business with Bill Pay¹

24-Hour Automated Telephone Banking

30% discount on one safe deposit box per account, and an additional 10% discount with auto debit set up from a Regions checking or savings account (subject to availability)

Mobile Banking²

Relationship CD Rates

How to Avoid Monthly Fee

Generate at least $500 in Regions Business CheckCard and/or Business Credit Card purchases.³ Otherwise, there's a monthly fee of $7

Excessive Withdrawal / Item Fee

No charge for the first 75 items⁴ each statement period; then $0.50 for each additional item

Cash Deposit Fee⁵

$2,500 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 ⁶. See Pricing Schedule for additional fees that may apply.

Minimum Opening Deposit

^$100

Interest

N/A

Checks

Custom three-to-a-page business checks and custom value packs available.

Monthly Statements

No charge for online statements. Paper statements without check images as well as paper statements with check images are available for an additional fee.⁷⁸

Overdraft Protection

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

Features

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.
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).
To avoid the monthly paper statement fee for the LifeGreen Business Simple Checking account, you must be a Regions Online Banking customer who receives only Online Statements for the account. To get started with Online Statements, simply enroll in Regions Online Banking. You must have a valid SSN or TIN in order to enroll in Regions Online Banking. If you are an existing Online Banking customer, log in and select the Online Statements link in the top navigation under Accounts. Changes in applicable fees will become effective beginning with the end date of the statement cycle in which Online Statements are activated or canceled, as the case may be.
Fee will be assessed whether or not checks are written during the statement cycle.