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LAST UPDATED: July 7th, 2023

Originally known as the First Alabama Bancshares in 1971, Regions has gorwn to a 125.54 billion dollar empire. There are over 1,700 physical branches (as of December of 2010) and it services the south east portion of the country. Regions Bank is a member of the S&P 500 Index and provides retail and commercial banking. 

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The Good

  • Banking solutions
  • Checking accounts
  • Features and services

Banking Solutions

Regions Bank provides everyday banking, investing, lending, and insurance services to their customer base. These solutions are available for individuals with personal needs, small businesses, and commercial businesses. There are also opportunities for wealth management for affluent persons through Regions Bank.

Checking Accounts

Regions checking accounts are a convenient option for those looking for standard and above-average features. All Regions Bank checking accounts come with free access to only banking, secure mobile banking, multiple overdraft protection options, a Regions Visa CheckCard, cash back rewards, discounts on safe deposit box, and free access to withdrawals and transfers at more than 2,000 Regions Banks ATMs. There are six different Regions checking accounts which includes:
  • LifeGreen Checking account: available with no monthly fee and option to earn an annual savings bonus and requires a $50 deposit to open.
  • LifeGreen eAccess account: available with no monthly fee and option to earn an annual savings bonus and requires a $50 minimum deposit to open.
  • LifeGreen Simple Checking account: available with no monthly fee and option to earn an annual savings bonus and requires $50 minimum deposit to open and comes with unlimited check writing.
  • LifeGreen Preferred Checking account: earn interest and enjoy the other added benefits of maintaining a more extensive relationship with Regions.
  • Age-Defined Checking accounts: restrictions based on age
  • LifeGreen Checking for Students: no monthly fee for students age 25 or younger with the benefits of LifeGreen Checking.

Features and Services

Financing life's opportunities and milestones is another financial feature Regions Bank can help their customers with. With Regions Bank, customers will have access to loan options, personal guidance, and complete understanding. Personal loans and credit include the following solutions:
  • Credit Cards: several credit card options to provide you with convenience, security and even Regions Relationship Rewards.
  • Mortgage Loans: home purchase or refinance, Regions has the loan program to meet all needs.
  • Unsecured Loans and Lines: Regions offers several line of credit products, designed to meet a variety of needs
  • Student Loans: the power to choose the right products and the flexibility to customize those products to meet all needs.
  • Home Equity Loans: Use the value in your home to finance your dreams.
  • Auto Loans: flexible terms and competitive rates to put you in a good vehicle.
  • Secured Loans and Lines: Personal installment loans can be used to purchase just about anything.

Saving and investment opportunities are also available. There are a number of savings accounts and investment opportunities through Regions Bank. There are Money Market, CDs, and IRA Solutions all available.

The Bad

  • Limited locations
  • Insurance issues

Limited Locations

Regions Bank only services the southeast portion of the United States. In total, Regions Bank services sixteen states across the country. Individuals or businesses not located in the following states will not be able to use Regions Bank as their financial platform:
  • Iowa
  • Illinois
  • Indiana
  • Missouri
  • Alabama
  • Louisiana
  • Texas
  • Mississippi
  • Alabama
  • Georgia
  • Florida
  • North Carolina
  • South Carolina
  • Virginia
  • Kentucky
  • Tennessee

Insurance Issues

While it convenient to have insurance solutions conducted through a bank, there are some issues with the Regions service. There are individual, property, vehicle, and life insurance options available. Customers can utilize overdraft protection and safe deposit boxes. The insurance is not backed by the FDIC and is not actually done through Regions. Instead it is conducted through an affiliate of Regions Bank, known as Regions Insurance, Inc.

The Bottom Line

Regions Bank helps thousands of people finance important opportunities and satisfy standard banking needs. Whether you are a business owner or an individual, Regions Bank offers solutions for a wide-range of needs. Those that decide to bank with Regions can expect the following from the service:
  1. Number of checking accounts to choose from
  2. Savings and investment opportunities
  3. Solutions for loans/lending
  4. Limited service area
  5. Insurance available
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17 Reviews

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I trust them and they have helped me out many times. I was hacked and they have helped me get my money back.this was a very stressful time and they helped take care of everything. Every time I have needed help this bank has been there for me

6 years ago

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Neil Andrews

We left Wells Fargo because of poor service and the attentive and excellent staff at Regions have shown we should have switched years ago. They listen, help, are sensitive and understanding. I'm a customer not a number, a person with a situation not a problem to be solved with an algorithm. They care

6 years ago

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A. P. Alvin, TX

I got a loan from this bank and although the agent was very nice, there were errors made by the Bank in processing this loan that delayed the loan for 2 months! I had authorized no escrow and the processing team added this to the loan and then it had to be corrected. Also, the money sent to one credit card was sent via mail and the check got lost. Regions Bank did not want to send the money in a secured format. It was so stressful trying to correct this. It took about 5 hours of my time. Absolute nightmare! I DO NOT RECOMMEND THIS BANK. They do not double check their work and make it difficult for customers to work with them.

1 year ago

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Amanda George IL

I absolutely LOVE Regions! I recommend them all the time. I have used them for about 6 years. Their customer service is wonderful, and they have no fees associated with their accounts.

1 year ago

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Vanessa Butler Columbia, MO

They were helpful in making sure I had the plan that fit my need. I don't usually do banking g so therefore the plan they chose was just what I needed.

2 years ago

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Pazzo Miami Plant City, FL

I have been with Regions for about 15 years. Excellent customer service. No hidden fees. Very trustworthy. Couldn’t be happier.

3 years ago

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Brayden Ibert Houston, TX

I use Regions for my banking. The overdraft protection is so helpful. The bankers helping make my account were helpful and seemed like they wanted to be there.

4 years ago

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Phebe Rowland Fayetteville, AR

Regions has an incredible and helpful staff. The app is easy to work, and you can make easy and quick transfers. The app is also extremely secure.

3 years ago

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Sathvik Aithala Portland, OR

Good bank that had a nice sign up bonus. Staff was friendly and customer support was great.

1 year ago

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Janet Williams Greenfield, IN

Great customer service and offered me a line of credit when others would not approve.

4 years ago

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Cole Bailey Houston, TX

I personally use Regions as my bank and it’s a very nice system. I like the lock it feature and I have the app downloaded

4 years ago

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Barbara Matula Long Beach, MS

My son opened his first account with them. They are very friendly and accommodating.

4 years ago

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The employees are always VERY helpful and VERY friendly. The employees make the difference.

6 years ago

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MBA Dallas, TX

Had a mortgage with them and never had problems.

1 year ago

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kennet walling

will never aprove for a loan after 20 years of banking with them

6 years ago

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Sharon Durie

Always accommodating! Always friendly and polite.

6 years ago


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Love their online interface - very easy to use and see my balances.

6 years ago Edited September 14, 2021