Regions Bank is Headquartered in Birmingham, AL, and is a member of the S&P 500 Index. Regions is one of the nation?s largest full-service providers of consumer and commercial banking, Wealth Management, mortgage, and insurance products and services.
Regions serves customers across the South, Midwest and Texas, operating approximately 1,400 branch locations and 2000 ATMs.
Regions Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/31/2025.
3.6
2,399 reviews
from WalletHub and across the web
2,399 reviews from WalletHub and across the web
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Regions Bank
Amanda Snyder @mandalyn76
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1 Star Rating
The account has been a headache from the start. I'm a mellow person who doesn't get upset easily, but my patience has vanished with all the issues. When I opened the account, I couldn't get access to it for several days. I've never had that experience with any other bank before. Then, the Zelle payments take numerous days to go through, which is again an issue I've never encountered with other banks. I called but got nowhere; there was no help at all. I wanted to close this account but found out I'll get charged a fee if I close it before six months. Then I was charged $18 for a monthly fee after months of no fees. When I opened the account, it was indicated that if I had a monthly $500 direct deposit, I wouldn't be charged a monthly fee. I called, and they said I could change to a different account that doesn't charge fees, and I got the $18 refunded. Now I try to do Zelle transfers, and my account was restricted. After calling to verify my information, I now have to go in person. I'm on mandatory overtime for the next month, Monday through Saturday. So my money is being held hostage until I'm off overtime. This is unacceptable.
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Product: Regions Bank Credit Cards
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Regions Bank
jodiepodie22 @jodiepodie22
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1 Star Rating
Brand new member and I've already had three negative experiences with this bank regarding the same situation that everyone says is fixed, but it never has been resolved. I just want my savings linked to my checking for overdraft protection. Today, I had a very smug clerk in his office at the Collegedale branch tell me it's set up correctly after I explained and showed him it's clearly not, as I'm getting declines from auto payments. By his remarks and body language, I can tell he does not care about my problem. Then to add insult to injury, he mentioned, "Well, you were told it's $3 per overdraft, right?" No, I wasn't told—was this question supposed to make me feel better about Regions? Finding this out and considering all of my interactions so far, it seems every person in the establishment is unprofessional and unconcerned for the patrons. I absolutely regret moving my business to Regions Bank.
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Product: Regions Bank Business Services
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Regions Bank
seydanew @seydanew
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1 Star Rating
The bank is managing my house mortgage. I was not informed they were taking over, when they bought the loan.. I could have negociated my bi weekly payments there and move to Penny Mac. I called earlier after they took over and everal times after to ask for biweekly payments as it was written in my original mortgage. It was declined,I was asked to reapply for the mortagage and pay a lot of fees. I see a payment of $500.00 in the middle of the month that has not been authorized by me. I have been on the phone for 30 minutes, waiting to talk to a mortgage specialist. Don't do business with this so-called bank.
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Product: Regions Bank Personal Loans
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Regions Bank
Willie white @williewhite4154
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1 Star Rating
My name is Willie. I don't mean to sound typical, but I do want to express my recent experience. I applied for a line of credit through Regions Bank. I've been a customer for three years. Originally, I was with Bank of America, and a friend of mine told me good things about this bank.
My experience has not been so great. As I said, I applied for a line of credit using my home which I purchased eight years ago. They said I had a little over $200,000 equity in my home. I was asking for a $50,000 line to consolidate some credit cards and make some small upgrades to my home. I received a letter in the mail from the bank denying me. The main reason was cited as serious delinquency. My credit score was great, and I couldn't understand it. You see, recently I applied for a credit card through this bank and received the same document citing serious delinquency. The problem is I'm not seriously delinquent on any of my accounts. My credit report shows I'm in good standing with all my accounts, even with Regions Bank. My house payments, car payments, and all my credit card payments are always on time. None of them show late, but they sent me a letter saying serious delinquency.
They turned me down for a credit card, but every account that I've applied for has accepted me with open arms, from Capital One to Credit One, Home Depot, and all the other major cards. There's nothing on my credit report that shows serious delinquency in anything. I checked; I have more than enough equity in my house to qualify.
I did not even get a counteroffer, just a flat no. I think this bank has a problem with African Americans, seemingly not wanting to lend us money. They're quick to ask you to open an account, but their customer service is lacking. I've decided that I'm going to try another bank, and once I get approved, I'm going to close my account at Regions. This review, I hope, reaches all the prominent African Americans: Regions Bank is not for us. Please look for another bank to do your business with. It seems that once they see the application is from an African American, they automatically turn you down, claiming you are seriously delinquent without pulling your credit.
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Product: Regions Bank Personal Loans
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Regions Bank
Lisa Lewis @lisavlewis3
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1 Star Rating
Regions reversed all my payments with my creditors. They even reversed my Social Security check. It has been very difficult ever since, trying to get my Social Security payments back. Now they think that I'm a fraud. I've been going back and forth to the Social Security office, just trying to verify who I am because of all this. This happened in March, and it's almost the end of May, and still, no payments. This has put a great strain on my life, affecting my rent, creditors, car payments, and everything else. All of this happened simply because Regions failed to verify information with me. Instead, they just blocked and reversed everything from my account. I would not recommend this bank, and I'm closing it out.
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Product: Regions Bank Business Services
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Regions Bank
Alipkakadaj @Alipkakadaj
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1 Star Rating
They evaded giving me the promotion due to a clause in their terms that they should honestly be informing people about. I didn't fund the first one in time, so I closed the account in May. In December, I received another promotional mailer even though I wasn't eligible to participate. I funded everything on time and inquired about the bonus not posting. In May, they informed me that the initial unsuccessful attempt made me ineligible because it was within a year. Now I'm certain that it was a marketing trick. I'm closing the account and going elsewhere as soon as possible. I fully expect them to send me incredibly tempting offers for the next year to entice me once more. Watch, after a year, all the offers will have disappeared!
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Product: Regions Bank Business Services
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Regions Bank
DERRICK GRANT @derrickgrant33
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1 Star Rating
I spoke with the supervisor named Elizabeth today, and it seems the region's focus is more about profit than customer needs now. Being charged three NSF fees, even when you make a deposit, is crazy.
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Product: Regions Bank Business Services
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Regions Bank
allaahmed @allaahmed
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1 Star Rating
I went to the bank today to get change for my business, and while standing there, looking for someone to assist me, nobody seemed willing to serve me. I spoke with the manager, who gave me an excuse, so it seems like nobody at this branch cares.
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Product: Regions Bank Business Services
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Regions Bank
Discontent Customer @Discontent
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1 Star Rating
If I could rate this experience lower than one star, I would. I have visited the branch twice and spoken with four different representatives by phone regarding an $8.00 fee that four of the bank's employees acknowledged was due to an internal error. This fee has been automatically deducted from my account each month since February. As a result, these deductions have caused my account to fall below the minimum required balance. While three of the charges were eventually refunded, a supervisor named Adrianna (employee #7002) informed me that the remaining fee would not be refunded, claiming the issue was due to my error—despite the fact that I have not used my debit card since January and three prior transactions were refunded due to bank error. The only transactions have been these deductions and two deposits. Please note a personal account was not a selection option for the review, but this was a personal account concern.
I initially hoped to build a long-standing, respectful relationship with Regions Bank, but my recent experiences have made that unlikely. I was disconnected during a call and did not receive a follow-up call back. Instead, I was told that it was my responsibility to call back, which is disappointing given the standard of customer service I've experienced at other financial institutions.
While $8 may seem like a small amount, this situation has become about more than the money—it is a matter of principle and the unacceptable level of customer service I have received. If you are seeking a bank that values follow-through, accountability, and professional communication, I would recommend looking elsewhere. My experience with Regions Bank has been deeply frustrating and disheartening.
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Product: Regions Bank Business Services
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Regions Bank
Akeisha Tilley-Denton @akeishadenton_1
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1 Star Rating
I just had a frustrating and unprofessional experience with Kelley A. through Regions Bank's online chat. I reached out to ask why I was suddenly being charged a fee on my account—something I've never seen in the months I've had it. Instead of answering my question, Kelley kept repeating that I needed to maintain a certain daily balance, which didn't make sense because I've never had that balance before and was never charged.
When I said it felt like she wasn't listening and asked for a manager, she repeated the same script again. Then, without explanation, she said she'd waive the fee as a "one-time courtesy." I told her I didn't need a courtesy—I needed an actual explanation. Her response? "Be glad that I'm getting the one-time fee waived!"
I asked again for a manager, and suddenly—coincidentally?—the connection failed. I was still connected to everything else, so I doubt it was on my end.
This experience was rude, dismissive, and completely unhelpful. Regions should be ashamed to employ customer service representatives who treat loyal customers this way. If this is how they treat customers, they won't have many left. I'll be posting this review on every platform I can until someone takes responsibility and fixes this.
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Product: Regions Bank Business Services
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Regions Bank
MyAnh Stinson @stinsonmyanh
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5 Star Rating
Hello. This is MyAnh and James Stinson. We have been banking with Regions for over 9 years at the North Mount Juliet branch in Mount Juliet, TN. We also banked on and off in GA before that. We love Regions. We have had problems maintaining money in the bank and have accumulated a lot of fees and overdraft fees. Over a year ago, a gentleman by the name of Alvin Duke came to work at the North Mount Juliet branch in Mount Juliet. He brought peace and order to us. He told us about the opt-out feature and how it could help us. He saved us from online predators. He helped people like us who are terrible at saving money to be better at it. Now we don't have unwanted fees, and we are much happier. He thought about us, the customers, and nothing else. Thank you again, Alvin. Thank you, kind sir. You are much appreciated. Sincerely, Myanh and James Stinson.
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Product: Regions Bank Business Services
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Regions Bank
David Farmer @777drfarmer
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1 Star Rating
Regions Bank is for customers who enjoy having their time wasted. Most staff members at the three branches I've visited are extremely nice and eager to be helpful. Unfortunately, the policies and procedures are set up to force a customer into a branch to have their time blatantly wasted. I'm a relatively new customer. It took over 30 minutes to set up a Zelle transfer and another 30 minutes to try to deposit a cashier's check, only to then wait ten days to get access to your funds. No, thank you. I'm leaving.
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Regions Bank
David Parmer @Negril18
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1 Star Rating
Horrible customer service. Their motto is "Do what is right, Put people first, Reach higher, Focus on your customer, Enjoy life." What a joke. Avoid this bank at all costs, especially their SBA program in both the Dallas and Fort Worth market. They are horrible.
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Regions Bank
Kevin Wright @2ndchanceinstl
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1 Star Rating
The state of Illinois placed a levy on my account and withdrew $98. They reversed the levy and returned the money to my account. Now, Regions Bank is charging me a $100 service fee for the $98 and refuses to refund the service fee. This is how they treat their customers after 13 years of banking with them. I wouldn't recommend them for anything.
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Regions Bank
cw ebb @cwebb2327
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1 Star Rating
Acting as the Power of Attorney for my sister, who is their customer, Regions has been uncooperative, unreasonable, and incompetent at every turn, causing numerous delays, confusion, and stress to a family already in crisis. I have been at this since early January, and there is no end to it at the end of March. This isn't being thorough or overly cautious; it's laziness, incompetence, and, in my judgment, fiduciary malfeasance.
In the initial meeting, they had me sign new documents in their presence, proving I was who I said I was, despite presenting my driver's license and being in person at the meeting. They then screwed that up when, later, their own legal department wouldn't accept their notarized documents I signed in their office. I had to go to another notary to sign again and resubmit. During this time, I was locked out of the banking account I'd been given access to by my sister and could not pay her bills, deposit funds, etc.
I submitted the Power of Attorney in person during the initial meeting that was passed along to the legal department for review, only to find out a MONTH LATER (not because they notified me, but because I kept calling asking about the status) that it was rejected as not to their legal department's liking, despite being prepared by a Tennessee attorney (in the same state where my sister lives and banks), and notarized. We had to get a new one that added a single word, "Durable," to the title, despite it being so stated throughout the document. When I called the attorney's office and explained, they said, "Regions Bank, right? We get this a lot!"
The latest Regions incident involved closing on the sale of a house and attempting to wire the proceeds directly to her Regions account from the Title Company. Regions refused the Title Company's inquiry to confirm she even had an account with them, despite the Title Company having a signed authorization from me as POA to simply transfer a check made out to her for deposit in HER ACCOUNT. Their explanation was, "there are a lot of scams, so we cannot give out confirmations over a phone call." They said, "I could come in and deposit a check." I explained I am in Texas, not Tennessee, "Well, she can come in." SHE'S IN A NURSING HOME!!! I asked if they have a lot of scammers trying to transfer funds from the sale of their customer's house from a Title Company directly into their customer's bank account, located 5 minutes away. Next, they said they have branches in Texas to take the check there. I explained the nearest branch is a 1 1/2 hour drive. They said I could mail it. I explained I have checks and am a signatory, but no deposit slips are included with the checks; could I print off a generic one to fill out. Guess what, "We don't do that, but you can order some." That would take 3-4 weeks to receive. You cannot make this nonsense up.
Being a Power of Attorney for someone is challenging enough, but Regions has managed to cause more problems and stress than all the other institutions, hospitals, doctor's offices combined, and plus needless and unappreciated stress.
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Product: Regions Bank Checking
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Get answers to your questions about Regions Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
No, Regions Bank does not have any student credit cards. But the bank does offer an alternative option, the Regions Explore Visa Credit Card. While this card is not aimed at students, it is available for those with bad credit. However, it is a secured credit card and it requires a deposit of $250. Generally, most student credit cards are aimed at those with fair or limited credit.
Aside from the Regions Explore Visa Credit Card, all Regions Bank credit cards require good and excellent credit for approval. However, students can still get access to Regions Bank credit cards by becoming an authorized user of someone else's Regions Bank card. That way, they'll be able to take advantage of all the card has to offer while establishing credit.
Alternative Student Credit Card Options From Other Issuers
The Regions Bank overdraft fee is $36 per transaction that overdraws your account, if you have a Regions Bank checking account that allows overdrafts. Some Regions Bank accounts will not charge an overdraft fee but only because transactions that would overdraw your account will be declined.
Key Things to Know About Regions Bank Overdraft Fees
Not all accounts are eligible for overdraft services. While most of Regions Bank's checking accounts come with...
Yes, Regions Bank could be a good fit for you, especially if you prefer in-person banking and live in the South or Midwest. They boast a strong branch network in these regions.
They offer a wide range of products: checking and savings accounts, CDs, loans, mortgages, and investment services, so you can potentially manage all your finances in one place.
Regions Bank has encountered some challenges, but it's not considered to be in imminent danger. While Regions has reported some financial pressures, such as declining deposits and increased expenses, it's essential to note that these challenges are industry-wide, particularly in the wake of rising interest rates.
Overall, while Regions Bank is facing hurdles, it's not considered to be in imminent danger. The bank has a solid financial foundation and is taking steps to address its...
The Regions Bank LifeGreen Checking has a monthly fee of $8, this fee can be waived by maintaining a monthly balance of $1500, or Sign up for ACH direct deposit, such as a recurring payroll or government benefit deposit, to your LifeGreen Checking account (at least one of $500 or more, or a combined amount of $1,000).
Additionally, it has: An out of network ATM fee of $3, a debit card foreign transaction fee of 3%, a foreign ATM fee of 3% (and $5), and an overdraft fee of $36.
Regions Bank does not specify an overdraft limit amount. Their accounts come with standard overdraft coverage, where overdrafts are paid for checks and automatic bill payments. The fee is $36 per overdraft, with a maximum of six per day.
The bank also offers overdraft protection plans where you can link another Regions account to your checking account. To learn more about these plans, please contact your Regions branch.
Online Banking: Log in to your Regions Bank Online Banking account using your username and password. Once logged in, navigate to the account balance section to view your balance and transactions.
Mobile Banking: Use the Regions Bank mobile app to access your accounts and see your balance on the go.
If you apply by phone or online, you can often get a response within 60 seconds. However, in some cases it might take the bank 7-10 days to process your application.
Here's how to apply for a Regions Bank credit card:
Online: To apply for a Regions Bank credit card online, you'll have to provide...
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