How To Avoid Regions Bank Fees
Written by
Sean Dennison
Edited by
Amber Barkley
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Understanding Regions Bank Fees
Like most banks, Birmingham, Alabama-based Regions Bank offers ways for customers to avoid different banking fees by meeting certain requirements. Learning how to sidestep these fees can save you hundreds of dollars a year in banking charges.
Keep reading to find out how you can avoid Regions Bank’s fees for various accounts.
Regions Bank Monthly Service Fees
The monthly service fees at Regions Bank range from $0 to $18 each month, depending on your account.
Note that Regions Bank gives its customers a way to reduce some fees by signing up for paperless statements.
| Account Type | Monthly Fee | How To Waive |
|---|---|---|
| LifeGreen Checking | $8-$11 | – Monthly direct deposit of $500 or more – Keep an average monthly balance of at least $1,500 – Choose online statements to qualify for the $8 fee |
| LifeGreen Preferred Checking | $18 | – Keep an average monthly balance of at least $5,000 – Keep at least $25,000 in all your Regions accounts – Have $25,000 minimum in combined loans from Regions – Have a qualifying mortgage from Regions |
| LifeGreen Checking for Students | $0 | No fee for account holders under the age of 26 |
| LifeGreen eAccess Account | $8 | – Make 10 or more transactions with your Regions credit or debit card monthly |
| 62+ LifeGreen Checking | $8-$11 | – Monthly direct deposit of $300 or more – Keep an average monthly balance of at least $1,500 – Choose online statements to qualify for the $8 fee |
| Regions Now Checking | $5 | Cannot be waived |
| Regions LifeGreen Savings | $0 | No fee for Regions checking account holders |
| Regions Savings | $5 | – Keep a daily balance of $300 or more |
| Savings for Minors | $0 | No fee for accountholders under age 18 |
| Regions Now Savings | $0 | No fee for cardholders of a Now Card |
| Premium Money Market | $15 | – Keep a daily balance of $15,000 or more – Have a LifeGreen Preferred Checking Account |
Regions Bank Checking Account Fees
Here are some common fees you might face using your Regions checking account.
| Fee Type | Amount | How To Avoid |
|---|---|---|
| LifeGreen Checking Monthly Service Fee | $8-$11 | – Monthly direct deposit of $500 or more – Keep an average monthly balance of at least $1,500 – Choose online statements to qualify for the $8 fee |
| LifeGreen Preferred Checking Monthly Service Fee | $18 | – Keep an average monthly balance of at least $5,000 – Keep at least $25,000 in all your Regions accounts – Have $25,000 minimum in combined loans from Regions – Have a qualifying mortgage from Regions |
| LifeGreen eAccess Account Monthly Service Fee | $8 | – Make 10 or more transactions with your Regions credit or debit card monthly |
| 62+ LifeGreen Checking Monthly Service Fee | $8-$11 | – Monthly direct deposit of $300 or more – Keep an average monthly balance of at least $1,500 – Choose online statements to qualify for the $8 fee |
| Regions Now Checking Monthly Service Fee | $5 | Cannot be waived |
| Check Orders | Varies by style of checks | – Call 1-800-734-4667 for cost and discount information |
| Stop Payment | $36 | – Double check all information when using a check to ensure accuracy |
| Debit Card Replacement | $5 ($25 to expedite) | – Keep careful track of your debit card |
Regions Bank Savings Account Fees
You may also face fees for your savings account.
| Fee Type | Amount | How To Avoid |
|---|---|---|
| Regions Savings Monthly Service Fee | $5 | – Keep a daily balance of $300 or more |
| Excessive Withdrawal Fee | $3 | – Avoid withdrawing from your savings account more than three times per month |
Regions Bank Overdraft Fees
Banks charge overdraft fees when you spend money you don’t have in your account. Here’s a look at Regions Bank’s overdraft fees.
| Fee Type | Amount | How To Avoid |
|---|---|---|
| Paid Overdraft Item | $36, up to 3 per day | – Track your balance carefully and avoid spending more than you have available – For a first-time fee, contact Regions Bank to have the fee waived – Make a deposit that covers the overdraft and any other charges made by 8 p.m. CST the following business day |
Besides just not spending money you don’t have, you can avoid the overdraft fees by signing up for overdraft protection. Regions Bank does not charge a fee for this service.
Overdraft protection links your Regions checking account with a Regions savings or money market account. In the event you don’t have sufficient funds in your checking account to cover money you’ve spent, Regions will move the funds from your designated funding account in $10 increments.
Other Common Regions Bank Fees
You may also encounter these common fees with Regions Bank.
| Fee Type | Amount | How To Avoid |
|---|---|---|
| ATM | $3 out-of-network; $5 international | – Use a Regions Bank ATM whenever possible – Get cash back at stores using your debit card – Members of the military receive two ATM fee waivers for out-of-network transactions per statement period |
| Wire Transfer (Domestic) | $15 incoming; $25 outgoing | – When possible, send money via other methods, like ACH transfer, peer-to-peer payments or online payment portals. |
| Wire Transfer (International) | $18 incoming; $45 outgoing | – When possible, send money via other methods, like peer-to-peer payments, online payment portals or wire transfer services with lower fees |
Tips for Minimizing Regions Bank Fees
Banks usually have some way for their customers to avoid paying many fees. Here are a few ways you can avoid paying Regions’ fees:
- Set up direct deposits from your paycheck or other income.
- Keep your account balance above the minimum to waive monthly service fees.
- Use in-network ATMs or withdraw cash directly from a Regions Bank branch.
- Opt in to overdraft protection.
Conclusion
When you’re choosing a bank, it’s important to understand the fee structure and benefits each account offers. If you’re able to maintain the minimum balance requirements or set up qualifying direct deposits to avoid the monthly service fees, Regions might be a good bank for you.
Beyond that, you can look for ways to take advantage of special offers.
FAQ
Here are the answers to some common questions about fees at Regions Bank.- How can I get my Regions Bank monthly service fee waived?
- With most Regions Bank accounts, you can get the monthly service fee waived with qualifying direct deposits or by keeping your account balance over the minimum.
- What is the overdraft limit for Regions Bank accounts?
- Regions Bank allows three overdrafts per day. Each overdraft over $5 will incur a $36 fee.
- If you have never overdrafted your account before, Regions may waive your first overdraft fee.
- Does Regions Bank refund ATM fees?
- If you qualify for an ATM fee waiver as a member of the military but were charged a fee for an out-of-network transaction, you can present your military ID at a Regions Bank branch to have the fee refunded.
- If you are deployed and cannot access a branch, you can call 1-855-734-4645.
- Are there fees for closing a Regions Bank account?
- Regions Bank charges an early account closing fee of $25 if you close the account within 180 days of opening.
More About Regions Bank
Rates and fees are accurate as of Feb. 26, 2025, and are subject to change.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
