login to my regions bank account

How to Log in to Online Banking Regions. Health. Details: Step 3. Enter your password on a new, second screen and select the Log In button. Empower Retirement acquired MassMutual's retirement plan business in January 2021. Use the button below to access your retirement plan account. To restore access to your account, you can select the “Unlock My Account” button on online banking or go through the “Forgot Password?

Login to my regions bank account -

Regions Bank

For such users, we have created this tutorial which would help them to access their bank accounts from any computer. While going through this handy tutorial, you should not face any trouble as long as you follow the procedures exactly in the same manner as they are written.

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How to enroll for Regions bank online banking?

All the users who are already a part of Regions bank can easily enroll themselves for their online banking services as well. Once you enroll yourself in online banking, you will get features such as online banking services, bill payments, and securely send messages. To enroll in online banking, you should navigate to the official website of Regions bank and then go through the complete steps that I have listed below:

  1. Go to the Regions online banking login page

  2. After this, scroll down and then tap on the “Enroll” option

  3. Now, enter your SSN, email address, and confirm your email address

  4. Enter the phone number that you wish to use for online banking

  5. After entering these details, choose one of the accounts for enrollment:

  • Personal Banking

  • Business Banking

  • Personal & Business Banking

  1. After you’re done entering these details, click “Next”

Regions bank online login procedure

After you have successfully enrolled yourself in Regions bank online banking services, you can easily access your account by going through the easy procedure explained below:

  1. From a browser, navigate to www.regions.com

  2. The page will open the Regions bank login page on your screen

  3. Now, enter your online ID and password

  4. Tap on the “Log In” button to access your account

After accessing your account, you will be able to access the Regions mortgage services and other services as well directly from your account.

How do I recover my Regions online login credentials?

If you are unable to log in to your account because you have forgotten your Regions online login credentials, then you should refer to the section given below:

  1. Open a browser and go to the Regions bank homepage

  2. Click on the “Log In” option at the top of the page

  3. Choose your bank type: Personal or Business

  4. After that, choose a sub-category for your bank

  5. On the Regions bank login page, click on “Forgot Online ID?”

  6. Else, click on “Forgot Password?” to reset your password

  7. After clicking on a relevant option, follow some easy prompts

After recovering your account, you will be able to gain access to all the banking features offered by Regions bank near me. Now, you must be thinking that how to find a Regions bank in your area. Well, to know that, you can follow the quick instructions listed below.

How do I find a Regions bank near me?

If you are finding it difficult to enroll in Regions bank login services, then you can reach out to them at their physical branch. To do so, you might want to locate the Regions bank in your area. Here is how to do it:

  1. Open a browser on your device

  2. After this, you have to navigate to its search bar

  3. In it, type “Regions bank near me”

  4. The search result will show you a list of banks nearby you

  5. You can also get your contact details and other necessary info from there.

How to fix Regions bank login issues?

If you can’t log in to Regions bank online banking service, then you are suggested to navigate to https://www.regions.com/help/online-banking-help/login-and-security and choose one of the relevant topics to get help with. Also, before you submit your Regions bank login credentials, please verify if they are correct or not.

Regions Bank Online Banking Login

Regions bank is one of the nation’s best full-service providers of commercial and consumer banking, mortgage, insurance services and products. The bank was founded in 1971.

  • Branch / ATM Locator

  • Website: https://www.regions.com/

  • Routing Number: 082000109

  • Swift Code: See Details

  • Telephone Number: +1 800-734-4667

  • Founded: 1971 (50 years ago)

Источник: https://www.seminarsonly.com/news/regions-bank-online-banking-login-how-to-enroll-for-regions-bank-online-banking/

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Regions Bank Online Banking Login :

With its headquarters in Birmingham, Alabama Regions bank has been offering its online banking services to all the users who are a part of it. This financial institution works as a credit institution as well by offering loan facilities to those who are going through a tough phase of life. If you are also using Regions bank’s banking service or wish to be a part of its online banking facility, then this handy guide is going to help you in the most appropriate way. However, the new users who have recently joined this banking institute might be having some difficulty while enrolling themselves or while carrying out the Regions Bank login process.

Overview

Regions Bank and its account offerings are limited to customers in the 15 following Southern and Midwestern states: Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. If you do not reside in these areas, you won’t be able to open a Regions Bank account. If you are eligible, you’ll have your choice of a number of bank accounts from a simple savings account to a CD IRA. 

However, Regions Bank offers some of the lowest interest rates in the industry. Most accounts detailed below offer the lowest rate, with only a Promotional CD account offering competitive numbers. If you want accounts with the highest rates and no monthly fees, you’ll want to look somewhere else. 

Read on below to explore Regions' many offerings.

ProductKey Details
Savings Accounts
  • Three account options including a Savings for Minors account 
  • Lowest interest rates
Certificates of Deposit
  • Two account options, including a Promotional CD
  • Higher Relationship Rates available 
Money Market Accounts
  • Two account options
  • Higher Relationship Rates available 
  • Waivable monthly fees
Checking Accounts
  • Six account options including specialized accounts for students and retirees
  • One interest-earning account
  • Regions Visa® CheckCard included
IRAs
  • Three account options, mirroring CDs and Money Market Accounts
  • Decent interest rates 
  • Can be opened as traditional or Roth (except the 18 Month Variable Rate IRA)

Regions Bank Interest Rate Comparison

Regions Bank Overview

Regions Bank is a subsidiary of the financial services company Regions Financial Corporation, which was founded in 1971 in Alabama. Today, the company is still headquartered in Alabama, with its thousands of branches and ATMs spread out through 15 Southern and Midwestern states. These states are Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. You cannot open an account outside of these areas.

Regions offers more than personal banking accounts. You can also find small business loans and services, wealth management services, mortgages and more. 

Save more with these rates that beat the National Average

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Regions Bank Account Features

Regions Bank offers a wide variety of bank accounts from a simple savings account to a Promotional CD with competitive interest rates. Unfortunately, the banks other accounts offer some of the lowest rates out there. If you do open an account with Regions, you’ll have access to online and mobile Banking as well as over 1,500 branches and just under 2,000 ATMs. The website even has an “Insights” section to provide customers with tools and tips for money management. 

The bank also offers the opportunity to participate in a couple rewards programs, Relationship Rewards® and the Cashback Rewards® programs, when you have a checking account. These programs allow you to earn cash and points rewards through your everyday spending. 

Compare Regions Bank to Other Competitive Offers

Regions LifeGreen Savings and Regions Savings Accounts

Key FeaturesDetails
Minimum Deposit
  • Regions LifeGreen Savings: $50 online, or $5 in branch with an automatic recurring monthly transfer from Regions checking
  • Regions Savings: $50
Access to Your Savings AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees
  • Regions LifeGreen Savings: None
  • Regions Savings: $5
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Regions LifeGreen Savings: 0.01% APY
  • Regions Savings: 0.01% APY

These two savings accounts earn at the same low interest rate. They also offer overdraft protection and discounts on a safe deposit box. Additionally, the Regions LifeGreen Savings account offers some added perks when compared to the simpler Regions Savings account. With a Regions LifeGreen Savings account, you can avoid a monthly maintenance fee and a minimum balance requirement. You will, however, have to own a Regions checking account to open a LifeGreen Savings account and meet a minimum opening deposit requirement. This requirement equals either $50 if you open online or $5 if you open the account at a branch and set up an automatic recurring monthly transfer from your Regions checking account.

This account also offers the opportunity to earn a 1% annual savings bonus up to $100. You can snag this bonus by making a monthly automatic transfer of at least $10 from your Regions checking account to your LifeGreen Savings account for the first 12 months of account ownership. These transfers will earn the 1% savings bonus. 

The Regions Savings account offers a more standard approach to savings. There is a low monthly fee of $5, but if you want to avoid that small charge, you can maintain a minimum daily balance of at least $300. You can set up automatic transfers to make the requirement more achievable. You don’t have to link a checking account, but you do still have the option to do so. That could help with automatic transfers and overdraft protection.

Savings Account: Savings for Minors

Key FeaturesDetails
Minimum Deposit$5
Access to Your Savings AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

This account is geared toward customers under the age of 18, allowing you to help a child learn more about money and saving. With online and mobile banking, they can easily set up automatic transfers and watch their money grow, learning good savings habits along the way. Plus in today’s technology age, you and your child can bank wherever and whenever with Text Banking and the bank’s mobile app. 

You will have to visit a bank branch to open a Regions Savings for Minors account.

Certificates of Deposit (CDs): Promotional CD

Key FeaturesDetails
Minimum Deposit$10,000
Access to Your CDOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, but you’ll face a penalty fee for early withdrawal.
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Standard Pricing Rates: Call the bank to find out the rates in your area.
  • Relationship Pricing rates:

A Regions Promotional CD offers just that: promotional rates that are only available for a limited time. You’ll have to check with the bank to determine whether the promotional rates are available at the time you want to open an account.

While it’s not required, if you also have a Regions checking account you can snag Relationship Pricing rates with your CD. The rates listed on the bank’s website represent these Relationship Rates. Without the checking account, you’ll earn Standard Pricing rates. To learn about the Standard Pricing rates in your area, you’ll need to call or visit the bank to speak with a customer service representative. You’ll need to make an in-person appointment at a branch to open a Promotional account anyway. 

Once you have a CD, you can be assured that it is eligible for automatic renewal. This means that if you don’t take any action to withdraw or transfer that money, the account will renew for the same term length at the market rate at the time of renewal.

You also have flexibility in where you want your CD funds to go. Interest is compounded daily and paid according to the terms of the CD whether monthly, quarterly, semi-annually, annually or at maturity. This differs from many other CDs which only payout at maturity. Plus, you can choose whether you want your funds to go toward your Regions checking, savings or money market account. 

 

Certificates of Deposit (CDs): Regions CD

Key FeaturesDetails
Minimum Deposit
  • $500 for CDs with terms 90 days or longer
  • $2,500 for CDs with terms 7-89 days
Access to Your CDOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, but you’ll face a penalty fee for early withdrawal.
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Standard Pricing Rates: Call the bank to find out the rates in your area.
  • Relationship Pricing rates:
    • 1 - 2 Month: 0.01% APY
    • 3 - 5 Month: 0.01% APY
    • 6 - 8 Month: 0.05% APY
    • 10 - 11 Month: 0.05% APY
    • 12 - 17 Month: 0.10% APY
    • 18 - 23 Month: 0.10% APY
    • 24- 35 Month: 0.10% APY
    • 36 - 47 Month: 0.10% APY
    • 48 - 59 Month: 0.20% APY
    • 60 - 72 Month: 0.30% APY

A regular CD comes with most of the same features as a Promotional CD, outlined above. This includes automatic renewals, flexible interest disbursements and interest compounded daily. Again, having a Regions checking account can qualify you for Relationship Pricing rates. To find out the Standard Pricing rates in your area, you’ll need to contact a customer service representative at the bank. 

The main difference between a Promotional CD and a regular CD is the interest rates. The Promotional CDs earn at much higher rates for similar term lengths. However, another difference is that you’ll have to deposit at least $10,000 into a Promotional CD to start earning at those high rates. A regular Regions CD has two much lower deposit requirements, depending on the CD term. 

Regions Money Market Account

Key FeaturesDetails
Minimum Deposit$100
Access to Your Money Market AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$12 monthly fee, waivable with a minimum daily balance of at least $2,500
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

A money market account is like a cross between a savings account and a checking account. The Regions Money Market Account includes check-writing abilities, account statements with check images and a 30% discount on a safe deposit box. It’s important to remember that checks are included in the outgoing transaction limit implemented with savings accounts. You can only make six transfers or payments per statement period. Any transactions outside of that will face a fee.

Having a money market account allows your money to safely grow inside an account, while also offering more flexibility in your usage. Plus, you can link your Regions Money Market Account with your Regions Checking account to provide Overdraft Protection. 

Regions Platinum Relationship Money Market Account

Key FeaturesDetails
Minimum Deposit$15,000
Access to Your Money Market AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$15 monthly fee, waivable with one of the following
  • Maintain a minimum daily balance of at least $15,000
  • Open and maintain a LifeGreen Preferred Checking account
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Standard Rates
    • Account balances below $4,999.99: 0.01% APY 
    • Account balances of $5,000 - $19,999.99: 0.01% APY
    • Account balances of $20,000 - $99,999.99: 0.01% APY
    • Account balances of $100,000 and over: 0.01% APY

If you’re looking for a money market account with more perks and opportunities to earn more, you can check out the Platinum Relationship Money Market Account. Owning a Regions checking account with direct deposit or maintaining a minimum daily balance of at least $2,500 can earn you better interest rates. Linking a checking account can also provide that account with Overdraft Protection. 

You’ll still have access to check writing, statements with check images and an even bigger discount for a safe deposit box.

More notably, this Platinum Relationship Money Market Account earns at higher rates with higher account balances. You stand to earn the most with this account if you have the highest account balance and meet the relationship rate requirements. 

Checking Accounts: LifeGreen® Checking Account and LifeGreen Simple Checking Account

Key FeaturesDetails
Minimum Deposit$50 for both accounts
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees
  • LifeGreen® Checking Account: $8 with online statements or $10 with paper statements, waivable with one of the following
    • Maintain an average monthly balance of at least $1,500
    • Recurring ACH direct deposit per statement cycle of at least $500 single deposit or $1,000 combined deposit 
  • LifeGreen Simple Checking Account: $5 with online statements or $7 with paper statements

The LifeGreen® Checking Accounts and LifeGreen Simple Checking accounts are essentially the same except when it comes to the monthly fee. The LifeGreen® Checking Account charges a slightly higher fee than the LifeGreen Simple Checking account, regardless of statement delivery type. However, you can waive the LifeGreen® Checking Account fee by meeting balance or direct deposit requirements. If you don’t think you can consistently meet those requirements, you’ll want to open a LifeGreen Simple Checking account. That way, you can save a little bit on those monthly fees. 

Otherwise, the accounts offer the same perks and benefits. This includes a 30% safe deposit box discount, relationship rates for a LifeGreen Savings Account and CD accounts, overdraft protection and discounts for qualifying installment loans. You can even block further transactions from your Regions card with Regions LockIt on your Regions mobile app. 

You’ll also have the option to participate in the Relationship Rewards® and the Cashback Rewards® programs with your Regions Visa® CheckCard. If you are a service member, you can provide your Military ID to waive the bank’s ATM fees at non-regions ATMs. This works for two transactions per statement cycle. 

Checking Accounts: LifeGreen eAccess Account®

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$8, waivable with any combination of at least 10 Regions CheckCard and/or credit card purchases per statement cycle

As its name suggests, this checking account takes a more technological approach to the checking account. For starters, you’re only allowed to write three free checks. Any checks after that will cost $0.50 each. This encourages accountholders to use Regions Visa® CheckCard instead. You also cannot receive paper statements, instead having free access to Online and Mobile Banking and Standard Delivery Bill Pay. 

As for extra perks, you’ll still receive a discount for a safe deposit box and qualifying installment loans, better rates for a LifeGreen Savings Account and CDs and overdraft protection. You can also participate in the Relationship Rewards® and Cashback Rewards® programs and waive ATM fees with your Military ID. 

Checking Accounts: LifeGreen Preferred Checking® Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$18, waivable with one of the following
  • Average monthly statement balance of at least $5,000
  • Combined minimum deposit balances of at least $25,000 from all of your Regions checking, savings, money markets, CDs and IRAs
  • Have certain qualifying first-lien home mortgage loans in good standing
  • Combined outstanding loan balances of at least $25,000 from all of your Regions personal installment loans, lines of credit, equity lines of credit, equity loans, direct loans and credit cards in good standing
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

The LifeGreen Preferred Checking® Account is the more elite checking account at Regions Bank. For one, it’s the only Regions checking account that earns interest, albeit at the lowest rate. This triggers a higher monthly fee. While you can waive this fee in a few different ways, they all require high account balances, making this account better for higher earners. 

The account’s monthly fee and interest-earning abilities sets it apart from the other checking accounts. The other perks remain the same, except you can snag better rates on a Platinum Relationship Money Market account and a 50% discount on a safe deposit box. 

Checking Accounts: LifeGreen® Checking Account for Students and LifeGreen® 62+ Checking Account

Key FeaturesDetails
Minimum Deposit$50 for both accounts
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees
  • LifeGreen® Checking Account for Students: None
  • LifeGreen® 62+ Checking Account: $8 with online statements or $10 with paper statements, waivable with one of the following
    • Recurring ACH direct deposit per statement cycle of at least $300 single deposit or $1,000 combined deposit
    • Maintain an average monthly balance of at least $1,500

In order to open a LifeGreen® Checking Account for Students, you will need to be aged 25 or younger. It offers a fee-free checking account to help students get more acquainted with checking accounts and responsible money habits. 

To the opposite, the LifeGreen® 62+ Checking Account is available to customers aged 62 or older. There is a low monthly fee with this account, although you can waive the fee in a couple of ways including a recurring direct deposit into the account. This can be something like a recurring paycheck or government benefit deposits. 

Both accounts still come with the perks of the other checking accounts. This includes a 50% discount on a safe deposit box, better rates on a LifeGreen Savings Account and CDs, discounts on qualifying installment loans and the option to participate in the Relationship Rewards® and Cashback Rewards® programs. Plus, if you’re a student or retiree with a Military ID, you can still waive some ATM fees. 

Regions Fixed-Rate IRA

Key FeaturesDetails
Minimum Deposit$250
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Promotional Rates
  • Standard Rates
    • 6 - 11 Month: 0.05% APY
    • 12 - 23 Month: 0.10% APY
    • 24 - 35 Month: 0.10% APY
    • 36 - 47 Month: 0.10% APY
    • 48 - 59 Month: 0.20% APY
    • 60 - 72 Month: 0.30% APY

This Regions Bank IRA works similarly to a CD. You can open a fixed-rate IRA - either as a Roth or traditional IRA - for a term length between six to 60 months. The interest rate that applies at the opening will apply for the term’s entirety. As you can see above, you can earn at promotional rates when you have a Regions checking account and deposit at least $4,000. While you cannot access the account during its term, you can make additional deposits when it reaches maturity. 

Regions Money Market IRA

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

This IRA works like a money market account allowing you to make regular deposits of $25 or more. Plus, you can rollover IRA funds and make withdrawals at any time. You can also link this IRA to a checking or savings account and set up automatic and recurring deposits. That way your retirement savings will always be growing. Again, this account can be opened as either a Roth or a traditional IRA. 

Regions 18-Month Variable-Rate IRA

Key FeaturesDetails
Minimum Deposit$250
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

This third IRA option from Regions Bank offers a variable rate of interest over a fixed term of 18 months. The rate equals the sum of the most recent discount auction rates of the six-month Treasury Bill and 0.25%. 

During the 18-month term, you can make additional deposits as long as they are at least $50. Once the term is over, you can withdraw or transfer your money or leave the account alone for automatic renewal. 

Where Can I Find Regions Bank?

You can find Regions Bank online, on its mobile app, over the phone or at a physical branch. The bank’s branches and account offerings are limited to 15 Southern and Midwestern states, however. These states are Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. If you do not live in these areas, you will not be able to open an account with the bank.

What Can You Do Online With Regions Bank?

You can open a few different Regions Bank accounts on the bank’s website. This includes the savings accounts, Regions Money Market account and checking accounts. You’ll have to speak with a customer representative to open other accounts, like CDs and IRAs.

You can still find much of the information you’ll need to know for these accounts online. However, it can be hard to find certain information like the Standard Pricing rates and fees for CDs. 

Luckily, you do have access to a Regions banker through online chat. You’ll just need to provide your name and email to begin chatting and asking your questions.

How Do I Access My Money?

You can access your money wherever you can find the bank. This means at a physical branch if you live near one, over the phone, online or on the bank’s mobile app. You’ll need to provide personal and account information any time you want to access your money. 

When accessing your money online, you’ll log in with your online banking info. The same goes for mobile banking. Both online and mobile banking allows you to make transfers, request money monitor transactions and more at just a click of a button.

How Can I Save More Money With a Regions Bank Account?

Unfortunately, Regions Bank offers some of the lowest interest rates when it comes to its bank accounts. Even the more preferred savings account, LifeGreen Savings, offers the lowest interest rate. 

Some accounts, like Regions CDs and money market accounts, earn at higher interest rates when you pair the account with a Regions checking account. This snags Relationship Pricing rates which usually end up a little higher than standard rates. You’ll also benefit further by having higher account balances, since some accounts offer higher rates for larger sums of money.

To earn at the highest rates the bank can offer, you’ll want to open one (or more) of its Promotional CDs. This ensures the most competitive rates since they’re promotional. Otherwise, you can look into the money market accounts or the 18 Month Variable Rate IRA. 

What’s the Process for Opening an Account With Regions Bank?

You can’t open every Regions bank account online. You can do so for its savings (except Savings for Minors), Regions Money Market and checking accounts. Once you choose the account you'd like to open, you'll be brought to the page shown in the image here to fill out your information. The application process should typically take 10 minutes to complete. 

You’ll have to visit a branch in person to open a Savings for Minors account. You can visit a branch or call the bank at 1-800-734-4667 to open a CD and/or IRA account. 

No matter how you apply for an account, you’ll need to provide personal and banking information. Your personal information will include your Social Security number, email address, driver’s license, etc. You’ll also have to provide some bank account information. This means information fo a checking or savings account or credit or debit card. This is in order to fund your new account. All bank accounts require a minimum deposit of some amount, depending on the account.

What’s the Catch? 

For starters, Regions bank is limited to Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. So while the bank has thousands of ATMs and offices, these are confined to the above 15 states. 

If you live in these areas and are able to open a Regions account, you may be disappointed by the low interest rates. Most of the bank’s accounts earn at the lowest interest rate in the industry. If you’re looking for higher rates and no fees, most online banks have much higher rates than Regions can offer. 

Finally, many Regions Bank accounts charge a monthly fee and have minimum deposit requirements. This may place certain accounts out of reach for those who cannot meet those costs. You are able to waive some monthly fees, but that often requires meeting a minimum balance amount. 

Bottom Line

Regions Bank certainly does not have a shortage of bank accounts. If you’re looking for a bank where you can open multiple accounts, like a savings account and money market account and an IRA, for example, this could be the bank for you. You’ll just have to make sure you live in an area where the bank is available.

The bank does fall short, however, in its ability to grow your money to the best of the industry’s abilities. Its interest rates are pretty low, even when you have the highest account balance and relationship rates. If you’re looking to maximize your deposits, you should look elsewhere for higher interest rates. 

Источник: https://smartasset.com/checking-account/regions-bank-banking-review

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Fees at Regions Bank and Other Banks
FeeRegions BankCitibank
Overdraft$36$34
Excess Transactions$3No fee, but Citibank will restrict or close your account if you withdraw three times over the limit
Stop Payment$36$30

What happens when an account is closed?

When you pay off and close an account, the creditor will update the account information to show that the account has been closed and that there is no longer a balance owed. However, closing an account does not remove it from your credit report. Your credit report is a history of your accounts and payments.

Can u reopen a closed bank account?

An account closed after going dormant may be re-opened if an electronic payment or deposit is submitted within a specified amount of time. Commerce Bank is one such bank that will reopen a checking account if an incoming deposit is transmitted to the closed account within a certain amount of time.

What happens when a bank account is closed?

What Happens When a Bank Closes Your Account? Your bank may notify you that it has closed your account, but it normally isn’t required to do so. The bank is required, however, to return your money, minus any unpaid fees or charges. The returned money likely will come in the form of a check.

How do you get money out of a closed bank account?

As long as you can produce a valid form of identification that complies with your bank’s CIP you can make a withdrawal at any banking center. Alternatively, your bank may allow you submit a request to have your account closed via the mail at which point the remaining funds are disbursed in the form of a check.

Do banks have records of closed accounts?

If you’ve closed your account and still need to obtain statements from the bank, don’t despair. Banks are required to hold on to them for a minimum of five years, so you should be able to get copies, though there may be a fee involved.

Why would a bank freeze your account?

Banks may freeze bank accounts if they suspect illegal activity such as money laundering, terrorist financing, or writing bad checks. Creditors can seek judgment against you which can lead a bank to freeze your account. The government can request an account freeze for any unpaid taxes or student loans.

What happens if tax refund is sent to closed account?

If the account is closed, the bank will reject the refund. Once we receive the refund back from the bank, the Comptroller’s Office will issue a paper check and mail it to you.

What happens when money is deposited into a closed account?

If direct deposit money is sent to a closed account, the funds may be returned to the original sender. While it might not go directly to you, it also will not be lost, and you need to get the sender your new account information.

How long does it take money to bounce back from a closed account?

How long does it take for money to bounce back from a closed account? Each bank has its own policies in place, but some sources supply a rough estimate of 5 to 10 days until funds are returned. Funds are more likely to be amended quickly if the account holder is in good standing.

Will direct deposit go through if bank is closed?

Your employees may be wondering, “Will my direct deposit go through on a holiday?” If your bank closes during your business’s payday, transferred funds will be inaccessible and your employees won’t be able to receive their direct deposits, cash, or check.

Can you close a bank account online?

Can you close a bank account online? Yes, many banks allow you to close a bank account online, provided your account is in good standing and has a zero balance.

How do I check my regions account balance?

You can monitor your account balance through Regions Online and Mobile Banking, at 1-800-REGIONS (734-4667), or at Regions ATMs or branches.

How do I delete my online banking account?

Disconnect an account connected to online banking

  1. Go to the Banking menu or Transactions menu. Then select the Banking tab.
  2. Select the tile for the bank account.
  3. Select the pencil ✎ icon, then select Edit account info.
  4. Select the Disconnect this account on save checkbox. …
  5. Select Save and Close.

How do I unlock my regions account?

What if I don’t have my mobile device and want to lock/unlock a control? You can log in to Regions Online Banking to manage LockIt controls, or call us at 1-800-REGIONS (1-800-734-4667) for assistance.

Is Regions down at the moment?

Regions.com is UP and reachable by us.

What time does regions bank close?

Hours of Operation

Most Regions Branch lobbies are open from 9 a.m.to 4 p.m. Monday through Friday. Some locations are open for limited hours on Saturdays.

How do I add someone to my Regions checking account?

Regions Help & Support

  1. Once logged in to Online Banking, from the Customer Service tab select Settings.
  2. Select Manage Profiles.
  3. Select the plus symbol on the right to Add a Profile.
  4. Complete the required customer information then select Add. Your Customer Number is typically assigned when you open your account.

How do I link my regions account?

Regions Help & Support

  1. Once logged in to Online Banking, select the Insights menu.
  2. Select the Add button.
  3. Select one of the financial institutions displayed or search by name.
  4. Enter the Username and Password that you use to log in to the selected account, then Connect.

How do I cancel my Regions credit card?

Regions Help & Support

You can immediately report a lost or stolen card, and order a replacement card, in Regions Online Banking and the mobile app: Select Services from the main menu in the mobile app and from the Customer Service menu in Online Banking. You can also call 1-800-295-VISA (1-800-295-8472).

How long does Closed accounts stay on your credit report?

An account that was in good standing with a history of on-time payments when you closed it will stay on your credit report for up to 10 years. This generally helps your credit score. Accounts with adverse information may stay on your credit report for up to seven years.

What does account status closed mean?

Credit Card Accounts Show Closed

Revolving accounts, like credit cards, are referred to as “closed” when the account can no longer be used to make charges. Typically, you notify the lender to close the account when it has a zero balance and you no longer want the credit card.

Is a closed account bad?

Certain closed accounts can increase your credit utilization rate. When you close a credit card account specifically, you are reducing the amount of open credit available to you. This can cause your credit utilization rate to increase, which could have a negative impact on your credit score.

What happens when a bank closes your account with a negative balance?

Bank accounts that are closed with negative balances are often reported to credit agencies and show up on your credit report as unpaid debts. These accounts negatively impact your credit score and remain on your report for up to seven years.

Why would a bank close your account without explanation?

Reasons banks close accounts may include inactivity, low balances and instances where their customer’s actions have been deemed as posing a specific risk to the institution. These risks include monetary losses, as well as the potential of fraudulent activity.

How do I reopen a closed bank account online?

Click Manage Account , Account Settings, Close Account, then Reopen to display the Reopen Account page again. Click Back. You will receive a confirmation number via email. Enter this confirmation number on the screen in the field provided on the Reopen Account page.

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Источник: https://lisbdnet.com/how-do-i-know-if-my-regions-account-is-closed/
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Credit Karma Offers, Inc. NMLS ID# 1628077 NMLS Consumer Access

California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868.

Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).

Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Credit Karma, LLC. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.

Источник: https://www.creditkarma.com/reviews/personal-loan/single/id/regions-personal-loans

Overview

Regions Bank and its account offerings are limited to customers in the 15 following Southern and Midwestern states: Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. If you do not reside in these areas, you won’t be able to open a Regions Bank account. If you are eligible, you’ll have your choice of a number of bank accounts from a simple savings account to a CD IRA. 

However, Regions Bank offers some of the lowest interest rates in the industry. Most accounts detailed below offer the lowest rate, with only a Promotional CD account offering competitive numbers. If you want accounts with the highest rates and no monthly fees, you’ll want to look somewhere else. 

Read on below to explore Regions' many offerings.

ProductKey Details
Savings Accounts
  • Three account options including a Savings for Minors account 
  • Lowest interest rates
Certificates of Deposit
  • Two account options, including a Promotional CD
  • Higher Relationship Rates available 
Money Market Accounts
  • Two account options
  • Higher Relationship Rates available 
  • Waivable monthly fees
Checking Accounts
  • Six account options including specialized accounts for students and retirees
  • One interest-earning account
  • Regions Visa® CheckCard included
IRAs
  • Three account options, mirroring CDs and Money Market Accounts
  • Decent interest rates 
  • Can be opened as traditional or Roth (except the 18 Month Variable Rate IRA)

Regions Bank Interest Rate Comparison

Regions Bank Overview

Regions Bank is a subsidiary of the financial services company Regions Financial Corporation, which was founded in 1971 in Alabama. Today, the company is still headquartered in Alabama, with its thousands of branches and ATMs spread out through 15 Southern and Midwestern states. These states are Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. You cannot open an account outside of these areas.

Regions offers more than personal banking accounts. You can also find small business loans and services, wealth management services, mortgages and more. 

Save more with these rates that beat the National Average

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Regions Bank Account Features

Regions Bank offers a wide variety of bank accounts from a simple savings account to a Promotional CD with competitive interest rates. Unfortunately, the banks other accounts offer some of the lowest rates out there. If you do open an account with Regions, you’ll have access to online and mobile Banking as well as over 1,500 branches and just under 2,000 ATMs. The website even has an “Insights” section to provide customers with tools and tips for money management. 

The bank also offers the opportunity to participate in a couple rewards programs, Relationship Rewards® and the Cashback Rewards® programs, when you have a checking account. These programs allow you to earn cash and points rewards through your everyday spending. 

Compare Regions Bank to Other Competitive Offers

Regions LifeGreen Savings and Regions Savings Accounts

Key FeaturesDetails
Minimum Deposit
  • Regions LifeGreen Savings: $50 online, or $5 in branch with an automatic recurring monthly transfer from Regions checking
  • Regions Savings: $50
Access to Your Savings AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees
  • Regions LifeGreen Savings: None
  • Regions Savings: $5
Current Cause all i want for christmas is you lyrics and RatesRates based on the bank’s headquarters zip code, 35203
  • Regions LifeGreen Savings: 0.01% APY
  • Regions Savings: 0.01% APY

These two savings accounts earn at the same low interest rate. They also offer overdraft protection and discounts on a safe deposit box. Additionally, the Regions LifeGreen Savings account offers some added perks when compared to the simpler Regions Savings account. With a Regions LifeGreen Savings account, you can avoid a monthly maintenance fee and a minimum balance requirement. You will, however, have to own a Regions checking account to open a LifeGreen Savings account and meet a minimum opening deposit requirement. This requirement equals either $50 if you open online or $5 if you open the account at a branch and set up an automatic recurring monthly transfer from your Regions checking account.

This account also offers the opportunity to earn a 1% annual savings bonus up to $100. You can snag this bonus by making a monthly automatic transfer of at least $10 from your Regions checking account to your LifeGreen Savings account for the first 12 months of account ownership. These transfers will earn the 1% savings bonus. 

The Regions Savings account offers a more standard approach to savings. There is a low monthly fee of $5, but if you want to avoid that small charge, you can maintain a minimum daily balance of at least $300. You can set up automatic transfers to make the requirement more achievable. You don’t have to link a checking account, but you do still have the option to do so. That could help with automatic transfers and overdraft protection.

Savings Account: Savings for Minors

Key FeaturesDetails
Minimum Deposit$5
Access to Your Savings AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

This account is geared toward customers under the age of 18, allowing you to help a child learn more about money and saving. With online and mobile banking, they can easily set up automatic transfers and watch their money grow, learning good savings habits along the way. Plus in today’s technology age, you and your child can bank wherever and whenever with Text Banking and the bank’s mobile app. 

You will have to visit a bank branch to open a Regions Savings for Minors account.

Certificates of Deposit (CDs): Promotional CD

Key FeaturesDetails
Minimum Deposit$10,000
Access to Your CDOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, but you’ll face a penalty fee for early withdrawal.
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Standard Pricing Rates: Call the bank to find out the rates in your area.
  • Relationship Pricing rates:

A Regions Promotional CD offers just that: promotional rates that are only available for a limited time. You’ll have to check with the bank to determine whether the promotional rates are available at the time you want to open an account.

While it’s not required, if you also have a Regions checking account you can snag Relationship Pricing rates with your CD. The rates listed on the bank’s website represent these Relationship Rates. Without the checking account, you’ll earn Standard Pricing rates. To learn about the Standard Pricing rates in your area, you’ll need to call or visit the bank to speak with a customer service representative. You’ll need to make an in-person appointment at a login to my regions bank account to open a Promotional account anyway. 

Once you have a CD, you can be assured that it is eligible for automatic renewal. This means that if you don’t take any action to withdraw or transfer that money, the account will renew for the same term length at the market rate at the time of renewal.

You also have flexibility in where you want your CD funds to go. Interest is compounded daily and paid according to the terms of the CD whether monthly, quarterly, semi-annually, annually or at maturity. This differs from many other CDs which only payout at maturity. Plus, you can choose whether you want your funds to go toward your Regions checking, savings or money market account. 

 

Certificates of Deposit (CDs): Regions CD

Key FeaturesDetails
Minimum Deposit
  • $500 for CDs with terms 90 days or longer
  • $2,500 for CDs with terms 7-89 days
Access to Your CDOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, but you’ll face a penalty fee for early withdrawal.
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Standard Pricing Rates: Call the bank to find out the rates in your area.
  • Relationship Pricing rates:
    • 1 - 2 Month: 0.01% APY
    • 3 - 5 Month: 0.01% APY
    • 6 - 8 Month: 0.05% APY
    • 10 - 11 Month: 0.05% APY
    • 12 - 17 Month: 0.10% APY
    • 18 - 23 Month: 0.10% APY
    • 24- 35 Month: 0.10% APY
    • 36 - 47 Month: 0.10% APY
    • 48 - 59 Month: 0.20% APY
    • 60 - 72 Month: 0.30% APY

A regular CD comes with most of the same features as a Promotional CD, outlined above. This includes automatic renewals, flexible interest disbursements and interest compounded daily. Again, having a Regions checking account can qualify you for Relationship Pricing rates. To find out the Standard Pricing rates in your area, you’ll need to contact a customer service representative at the bank. 

The main difference between a Promotional CD and a regular CD is the interest rates. The Promotional CDs earn at much higher rates for similar term lengths. However, another difference is that you’ll have to deposit at least $10,000 into a Promotional CD to start earning at those high rates. A regular Regions CD has two much lower deposit requirements, depending on the CD term. 

Regions Money Market Account

Key FeaturesDetails
Minimum Deposit$100
Access to Your Money Market AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$12 monthly fee, waivable with a minimum daily balance of at least $2,500
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

A money market account is like a cross between a savings account and a checking account. The Regions Money Market Account includes check-writing abilities, account statements with check images and a 30% discount on a safe deposit box. It’s important to remember that checks are included in the outgoing transaction limit implemented with savings accounts. You can only make six transfers or payments per statement period. Any transactions outside of that will face a fee.

Having a money market account allows your money to safely grow inside an account, while also offering more flexibility in your usage. Plus, you can link your Regions Money Market Account with your Regions Checking account to provide Overdraft Protection. 

Regions Platinum Relationship Money Market Account

Key FeaturesDetails
Minimum Deposit$15,000
Access to Your Money Market AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$15 monthly fee, waivable with one of the following
  • Maintain a minimum daily balance of at least $15,000
  • Open and maintain a LifeGreen Preferred Checking account
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Standard Rates
    • Account balances below $4,999.99: 0.01% APY 
    • Account balances of $5,000 - $19,999.99: 0.01% APY
    • Account balances of $20,000 - $99,999.99: 0.01% APY
    • Account balances of $100,000 and over: 0.01% APY

If you’re looking for a money market account with more perks and opportunities to earn more, you can check out the Platinum Relationship Money Market Account. Owning a Regions checking account with direct deposit or maintaining a minimum daily balance of at least $2,500 can earn you better interest rates. Linking a checking account can also provide that account with Overdraft Protection. 

You’ll still have access to check writing, statements with check images and an even bigger discount for a safe deposit box.

More notably, this Platinum Relationship Money Market Account earns at higher rates with higher account balances. You stand to earn the most with this account if you have the highest account balance and meet the relationship rate requirements. 

Checking Accounts: LifeGreen® Checking Account and LifeGreen Simple Checking Account

Key FeaturesDetails
Minimum Deposit$50 for both accounts
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees
  • LifeGreen® Checking Account: $8 with online statements or $10 with paper statements, waivable with one of the following
    • Maintain an average monthly balance of at least $1,500
    • Recurring ACH direct deposit per statement cycle of at least $500 single deposit or $1,000 combined deposit 
  • LifeGreen Simple Checking Account: $5 with online statements or $7 with paper statements

The LifeGreen® Checking Accounts and LifeGreen Simple Checking accounts are essentially the same except when it comes to the monthly fee. The LifeGreen® Show biz edmond oklahoma Account charges a slightly higher fee than the LifeGreen Simple Checking account, regardless of statement delivery type. However, you can waive the LifeGreen® Checking Account fee by meeting balance or direct deposit requirements. If you don’t think you can consistently meet those requirements, you’ll want to open a Login to my regions bank account Simple Checking account. That way, you can save a little bit on those monthly fees. 

Otherwise, the accounts offer the same perks and benefits. This includes a 30% safe deposit box discount, relationship rates for a LifeGreen Savings Account and CD accounts, overdraft protection and discounts for qualifying installment loans. You can even block further transactions from your Regions card with Regions LockIt on your Regions mobile app. 

You’ll also have the option to participate in the Relationship Rewards® and the Cashback Rewards® programs with your Regions Visa® CheckCard. If you are a service member, you can provide your Military ID to waive the bank’s ATM fees at non-regions ATMs. This works for two transactions per statement cycle. 

Checking Accounts: LifeGreen eAccess Account®

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$8, waivable with any combination of at least 10 Regions CheckCard and/or credit card purchases per statement cycle

As its name suggests, this checking account takes a more technological approach to the checking account. For starters, you’re only allowed to write three free checks. Any checks after that will cost $0.50 each. This encourages accountholders to use Regions Visa® CheckCard instead. You also cannot receive paper statements, instead having free access to Online and Mobile Banking and Standard Delivery Bill Pay. 

As for extra perks, you’ll still receive a discount for a safe deposit box and qualifying installment loans, better rates for a LifeGreen Savings Account and CDs and overdraft protection. You can also participate in the Relationship Rewards® and Cashback Rewards® programs and waive ATM fees with your Military ID. 

Checking Accounts: LifeGreen Preferred Checking® Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$18, waivable with one of the following
  • Average monthly statement balance of at least $5,000
  • Combined minimum deposit balances of at least $25,000 from all of your Regions checking, savings, money markets, CDs and IRAs
  • Have certain qualifying first-lien home mortgage loans in good standing
  • Combined outstanding loan balances of at least $25,000 from all of your Regions personal installment loans, lines of credit, equity lines of credit, equity td canada easyweb, direct loans and credit cards in good standing
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

The LifeGreen Preferred Checking® Account is the more elite checking account at Regions Bank. For one, it’s the only Regions checking account that earns interest, albeit at the lowest rate. This triggers a higher monthly fee. While you can waive this fee in a few different ways, they all require high account balances, making this account better for higher earners. 

The account’s monthly fee and interest-earning abilities sets it apart from the other checking accounts. The other perks remain the same, except you can snag better rates on a Platinum Relationship Money Market account and a 50% discount on a safe deposit box. 

Checking Accounts: LifeGreen® Checking Account for Students and LifeGreen® 62+ Checking Account

Key FeaturesDetails
Minimum Deposit$50 for both accounts
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees
  • LifeGreen® Checking Account for Students: None
  • LifeGreen® 62+ Checking Account: $8 with online statements or $10 with paper statements, waivable with one of the following
    • Recurring ACH direct deposit per statement cycle of at least $300 single deposit or $1,000 combined deposit
    • Maintain an average monthly balance of at least $1,500

In order to open a LifeGreen® Checking Account for Students, you will need to be aged 25 or younger. It offers a fee-free checking account to help students get more acquainted with checking accounts and responsible money habits. 

To the opposite, the LifeGreen® 62+ Checking Account is available to customers aged 62 or older. There is a low monthly fee with this account, although you can waive the fee in a couple of ways including a recurring direct deposit into the account. This can be something like a recurring paycheck or government benefit deposits. 

Both accounts still come with the perks of the other checking accounts. This includes a 50% discount on a safe deposit box, better rates on a LifeGreen Savings Account and CDs, discounts on qualifying installment loans and the option to participate in the Relationship Rewards® and Cashback Rewards® programs. Plus, if you’re a student or retiree with a Military ID, you can still waive some ATM fees. 

Regions Fixed-Rate IRA

Key FeaturesDetails
Minimum Deposit$250
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203
  • Promotional Rates
  • Standard Rates
    • 6 - 11 Month: 0.05% APY
    • 12 - 23 Month: 0.10% APY
    • 24 - 35 Month: 0.10% APY
    • 36 - 47 Month: 0.10% APY
    • 48 - 59 Month: 0.20% APY
    • 60 - 72 Month: 0.30% APY

This Regions Bank IRA works similarly to a CD. You can open a fixed-rate IRA - either as a Roth or traditional IRA - for a term length between six to 60 months. The interest rate that applies at the opening will apply for the term’s entirety. As you can see above, you can earn at promotional rates when you have a Regions checking account and deposit at least $4,000. While you cannot access the account during its term, you can make additional deposits when it reaches maturity. 

Regions Money Market IRA

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

This IRA works like a money market account allowing you login to my regions bank account make regular deposits of $25 or more. Plus, you can rollover IRA funds and make withdrawals at any time. You can also link this IRA to a checking or savings account and set up automatic and recurring deposits. That way your retirement savings will always be login to my regions bank account. Again, this account can be opened as either a Roth or a traditional IRA. 

Regions 18-Month Variable-Rate IRA

Key FeaturesDetails
Minimum Deposit$250
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the bank’s headquarters zip code, 35203

This third IRA option from Regions Bank offers a variable rate of interest over a fixed term of 18 months. The rate equals the sum of the most recent discount auction rates of the six-month Treasury Bill and 0.25%. 

During the 18-month term, you can make additional deposits as long as they are at least $50. Once the term is over, you can withdraw or transfer your money or leave the account alone for automatic renewal. 

Where Can I Find Regions Bank?

You can find Regions Bank online, on its mobile app, over the phone or at a physical branch. The bank’s branches and account offerings are limited to 15 Southern and Midwestern states, however. These states are Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Citibank corporate mastercard login and Texas. If you do not live in these areas, you will not be able to open an account with the bank.

What Can You Do Online With Regions Bank?

You can open a few different Regions Bank accounts on the bank’s website. This includes the savings accounts, Regions Money Market account and checking accounts. You’ll have to speak with a customer representative to open other accounts, like CDs and IRAs.

You can still find much of the information you’ll need to know for these accounts online. However, it can southwest missouri bank online hard to find certain information like the Standard Pricing rates and fees for CDs. 

Luckily, you do have access to a Regions banker through online chat. You’ll just need to provide your name and email to begin chatting and asking your questions.

How Do I Access My Money?

You can access your money wherever you can find the bank. This means at a physical branch if you live near one, over the phone, online or on the bank’s mobile app. You’ll need to provide personal and account information any time you want to access your money. 

When accessing your money online, you’ll log in with your online banking info. The same goes for mobile banking. Both online and mobile banking allows you to make transfers, request money monitor transactions and more at just a click of a button.

How Can I Save More Money With a Regions Bank Account?

Unfortunately, Regions Bank offers some of the lowest interest rates when it comes to its bank accounts. Even the more preferred savings account, LifeGreen Savings, offers the lowest interest rate. 

Some tarrant county jail release, like Regions CDs and money market accounts, earn at higher interest rates when you pair the account with a Regions checking account. This snags Relationship Pricing rates which usually end up a little higher than standard rates. You’ll also benefit further by having higher account balances, since some accounts offer higher rates for larger sums of money.

To earn at the highest rates the bank can offer, you’ll want to open one (or more) of its Promotional CDs. This ensures the most competitive rates since they’re promotional. Otherwise, you can look into the money market accounts or the 18 Month Variable Rate IRA. 

What’s the Process for Opening an Account With Regions Bank?

You can’t open every Regions bank account online. You can do so for its savings (except Savings for Minors), Regions Money Market and checking accounts. Once you choose the account you'd like to open, you'll be brought to the page shown in the image here to fill out your information. The application process should typically take 10 minutes to complete. 

You’ll have to visit a branch in person to open a Savings for Minors account. You can visit a branch or call the bank at 1-800-734-4667 to open a CD and/or IRA account. 

No matter how you apply for an account, you’ll need to provide personal and banking information. Your personal information will include your Social Security number, email address, driver’s license, etc. You’ll also have to provide some bank account information. This means information fo a checking or savings account or credit or debit card. This is in order to fund your new account. All bank accounts require a minimum deposit of some amount, depending on the account.

What’s the Catch? 

For starters, Regions bank is limited to Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. So while the bank has thousands of ATMs and offices, these are confined to the above 15 states. 

If you live in these areas and are able to open a Regions account, you may be disappointed by the low interest rates. Most of the bank’s accounts earn at the lowest interest rate in the industry. If you’re login to my regions bank account for higher rates and no fees, most online banks have much higher rates than Regions can offer. 

Finally, many Regions Bank accounts charge a monthly fee and have minimum deposit requirements. This may place certain accounts out of reach for those who cannot meet those costs. You are able to waive some monthly fees, but that often requires meeting a minimum balance amount. 

Bottom Line

Regions Bank certainly does not have a shortage of bank accounts. If you’re looking for a bank where you can open multiple accounts, like a savings account and money market account and an IRA, for example, this could be the bank for you. You’ll just have to make sure you live in an area where the bank is available.

The bank does fall short, however, in its ability to grow your money to the best of the industry’s abilities. Its interest rates are pretty low, even when you have the highest account balance and relationship rates. If you’re looking to maximize your deposits, you should look elsewhere for higher interest rates. 

Источник: https://smartasset.com/checking-account/regions-bank-banking-review
NMLS Consumer Access

California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868.

Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).

Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Credit Karma, LLC. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services.