Advantage Business Checking

Your business is growing and requires a business checking account that can provide you with flexibility along with the additional resources your business demands. Regions Bank offers Advantage Business Checking.

  Advantage Business Checking
This account is best for you if: You have a moderate to high transaction volume and you keep balances to waive the monthly service fee.

Account Benefits

  • Online Banking Options:
    • Regions iTreasury Small Business cash management package1 OR
    • Regions Online Banking with Bill Pay for Business
  • Overdraft Protection Available
  • 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)
  • No-annual-fee Regions Visa® Business Credit Card2
  • Mobile Banking3

Monthly Fee
(per account)

$25 monthly fee waived with one of the following:
  • $10,000 average monthly statement balance OR
  • $30,000 combined deposit balances in related non-personal checking, savings and money market accounts4 OR
  • $30,000 combined daily outstanding balances in related non-personal loans, lines of credit and business credit cards4 OR
  • At least $2,500 in Regions Business CheckCard and/or Business Credit Card Purchases5 OR
  • At least one Regions Merchant Services transaction credited to this account6 OR
  • At least one deposit to this account using Regions Quick Deposit7

Excessive Item/Withdrawal Fee

  • No charge for the first 500 items8 each statement cycle, $0.50 for each additional item
Cash Deposit Fee9
  • $20,000 processed at no charge each calendar month; then $0.25 per $100 for additional cash deposits

Checks and Deposit Tickets

  • For more information on business checks, deposit tickets and value packs, please visit a branch or contact Harland Clarke Business Solutions at 1-877-275-4427.

Statement Options

  • Online Statements –No Additional Charge
  • Paper Statements with Printed Check Images - $3 per month10
  • Paper Statements with Deluxe Check Images – $10 per month10

Regions at Work

  • A special package of banking services designed for you that offers group banking to your employees.
FDIC Insurance
  • Security of FDIC insurance coverage up to the maximum amount permitted by law. Learn more.

How to Apply

All accounts subject to the terms and conditions of the Regions Deposit Agreement. See pricing schedule for additional services and fees and for details on how we calculate transactions and balances for purposes of certain fees and waivers. For accounts opened in Iowa, certain account fees are subject to Iowa State Sales Tax of 6%, which will be assessed at the time the fee is charged, unless exempt. All accounts, loans, lines of credit, and credit cards are subject to credit approval.

1. iTreasury Small Business is subject to the Regions Treasury Management terms and conditions.
2. Subject to credit approval and the terms and conditions of a written Credit Card Agreement.
3. 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.
4. Accounts are considered related if they share the same ownership title and tax identification number. Balances determined at the beginning of the last day of your checking account statement cycle.
5. 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.
6. Merchant Services are provided by Elavon. 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.
7. 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 period.
8. 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.
9. 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 $0.25.
10. Fees will be assessed whether or not checks are written during the statement cycle.

The Monthly Fee on certain checking accounts may not be charged for at least 61 days after account opening even if requirements to waive the Monthly Fee are not met.