REGIONS CHECKING
With any Regions checking account, you get extra services to make banking easier and more convenient. Stop by a branch, go to regions.
com or call 1-800-REGIONS for more details.
Personal Checking, Money Market, Savings,
Time Deposit & IRA Accounts Pricing Schedule
(Effective August 15, 2024)
1
Mobile Banking access requires enrollment in Online Banking. Your mobile carrier’s messaging and data fees may apply.
2
Please refer to the Relationship Interest Rates for
Time Deposits and Certificates of Deposit section for more information.
3
Minimum loan amounts apply.
4
ATM fees charged by owners/operators of non-Regions ATMs may
apply. If you provide a nonmilitary ID when opening or using your Regions account, our systems may not recognize that you qualify for the fee waiver on two transactions at
non-Regions ATMs per statement period. If your account is charged a fee for a transaction at a non-Regions ATM, please visit a branch to provide your Military ID or, if there are
no branches where you are deployed, call 1-855-REG-4MIL (734-4645).
5
This account is a negotiable order of withdrawal (NOW) account and a relationship checking account.
See Deposit Agreement for additional details about NOW accounts. Please refer to the Relationship Checking Account Ownership Requirement at the back of this schedule for
information about relationship checking.
6
ATM fees charged by owners/operators of non-Regions ATMs may apply.
7
Balances determined at the beginning of the last day of
your checking account statement period.
8
Excludes Regions Protection Line of Credit.
9
Good standing means you are not past due or in default under your credit agreement. Any
loan, line of credit, or credit card account sold or transferred by Regions to a third party will not be eligible to satisfy the fee waiver requirement.
10
Includes standard bulk delivery.
Other shipping options are available at an additional charge.
The Monthly Fee on certain checking accounts may not be charged for at least 61 days after account opening even if requirements to waive the Monthly Fee are not met.
FEATURES –
ALL CHECKING
ACCOUNTS
• Regions CheckCard
• Regions Online Banking and Mobile Banking
1
with Bill Pay
• Online Statements option
• Discount on one Safe Deposit Box rental with an additional
10% discount for auto debit from a Regions checking,
money market or savings account (subject to availability)
• Relationship rates on most CDs for customers who meet
the Relationship requirements
2
Special Features
You May Avoid Monthly Fee By
Maintaining One Or More Of The
Following:
Minimum Opening Deposit
Monthly Fee
Interest Tiers
Checks
Paper Statement
LIFEGREEN PREFERRED CHECKING®
5
• Earns interest
• Unlimited check writing
• 50% discount on one Safe Deposit Box rental with an additional 10% discount for auto debit from
a Regions checking, money market or savings account (subject to availability)
• No Regions ATM fee on two ATM transactions at non-Regions ATMs per statement period
6
• Cashier’s Checks (no fee)
• Money Orders (no fee)
• No monthly fee on a Premium Money Market as long as your LifeGreen Preferred Checking account
remains open
• No fee for printed check images (standard) with paper statement
• $5,000 average monthly balance OR
• Combined minimum deposit balances from all of your Regions checking, savings, money markets,
CDs and IRAs of $25,000
7
OR
• Combined $25,000 minimum outstanding loan balances from your Regions personal installment
loans, lines of credit
8
, equity lines of credit, equity loans, direct loans and credit cards in good
standing
7,9
OR
• Any first-lien home mortgage with Regions in any amount and in good standing
9
(excluding home
equity loans and home equity lines of credit, and construction, manufactured housing and
business loans)
$50
$18
Based on account balance of $100,000 or more; $50,000-$99,999.99; $25,000-$49,999.99;
$10,000-$24,999.99; below $10,000
Check price varies by style. For information on pricing, visit your local branch or call 1-800-REGIONS.
10
$0
• Banking with Quicken®
• Discount on installment loan with payments auto
debited from a Regions checking or savings account
3
• Overdraft Protection available
• Service Member Benefit – No Regions ATM fee on two
ATM transactions at non-Regions ATMs per statement
period if you provide your Military ID when opening a
Regions checking account or any time afterward
4
Member FDIC.
(Rev. 08/24)
CHECKING ACCOUNTS
You May Avoid
Monthly Fee By
Maintaining One
Or More Of The
Following:
Account Eligibility
Requirement
Minimum Opening
Deposit
Monthly Fee
Checks
Paper Statement
Additional Features
LIFEGREEN
CHECKING
FOR STUDENTS
Not applicable
Customers age 25 or
younger
3
$50
None
$3
4
• Unlimited check writing
• 30% discount on one
Safe Deposit Box with an
additional 10% discount
for auto debit
6
+
LIFEGREEN
CHECKING
ACH direct deposit, such
as a recurring payroll or
government benefit
deposit, to your 62+
LifeGreen Checking
account (at least one of
$300 or more, or a
combined amount of
$1,000)
1
OR a $1,500
average monthly balance
in your 62+ LifeGreen
Checking account
Customers age 62 or
better
2
$50
$8 with online statements
4
or $11 with paper
statements
See “Monthly Fee”
• Unlimited check writing
• 50% discount on one
Safe Deposit Box with an
additional 10% discount
for auto debit
6
LIFEGREEN
eACCESS
ACCOUNT
®
Any combination of
at least 10 Regions
CheckCard and/or credit
card purchases (posted
to your eAccess Account
during the statement
period for CheckCard
activity and posted in
the most recent billing
cycle for your credit card
account for credit card
activity)
Not applicable
$50
$8
$3
4
30% discount on one Safe
Deposit Box with an
additional 10% discount
for auto debit
6
LIFEGREEN
CHECKING
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)
1
OR a $1,500
average monthly balance
in your LifeGreen
Checking account
Not applicable
$50
$8 with online statements
4
or $11 with paper
statements
See “Monthly Fee”
• Unlimited check writing
• 30% discount on one
Safe Deposit Box with an
additional 10% discount
for auto debit
6
1
For the monthly fee waiver, we count all ACH direct deposits that post to your account during the account statement period, excluding the last day of the period. ACH direct deposits
that post on the last day of the statement period are counted in the following statement period.
2
62+ Criteria. If you have a 62+ LifeGreen Checking account and do not meet the age requirement, your account will be converted to the standard LifeGreen Checking account and must
meet the normal criteria to avoid the Monthly Fee.
3
LifeGreen Checking for Students Criteria. If you have a LifeGreen Checking for Students account and do not meet the age requirement, your account will be converted to the
LifeGreen eAccess Account and must meet the normal criteria in order to avoid the Monthly Fee. One account holder must be of the age of majority.
4
To qualify for the monthly fee with Online Statements for LifeGreen Checking or 62+ LifeGreen Checking, or to avoid the monthly Paper Statement Fee for the LifeGreen eAccess
Account or LifeGreen Checking for Students, as applicable, you must be a Regions Online Banking customer who receives only Online Statements for the account. To get started
with Online Statements, simply enroll in Regions Online Banking or the Regions mobile app. You must have a valid Social Security Number or Taxpayer Identification Number in
order to enroll in Regions Online Banking. If you are an existing Online Banking customer, log in and select the Online Statements link in the top navigation under Accounts; or log
in to the Regions mobile app, select the eligible Regions account, and tap the Statements tab. Changes in applicable fees will become effective beginning with the end date of the
statement period in which Online Statements are activated or cancelled, as the case may be.
5
Standard bulk delivery is included in the price. Other shipping options are available at an additional charge.
6
Safe Deposit Box discount subject to box availability. Auto debit must be from a Regions checking, money market or savings account.
The Monthly Fee on certain checking accounts may not be charged for at least 61 days after account opening even if requirements to waive the Monthly Fee are not met.
Check price varies by style. For information on pricing, visit your local branch or call 1-800-REGIONS.
5
1
If you have a LifeGreen Savings account and do not have a Regions checking account, or if you close your Regions checking account, Regions reserves the right to convert your
LifeGreen Savings account to a Savings account. We will notify you in advance if we convert your account.
2
At least one Savings for Minors account owner must be younger than 18 years of age and at least one account owner must be the age of majority or older. Effective 10/30/2023, if our
records indicate that no account owner is under 18 years of age, we will convert the Savings for Minors account to a different savings account. If, at the time of conversion, at least one
account holder has an open Regions checking account, we will convert the Savings for Minors account to a LifeGreen Savings account. Otherwise, we will convert the Savings for Minors
account to a Savings account. We will notify you in advance if we convert your account.
3
Transfers from one Regions account to another Regions account conducted in Regions Online Banking or Mobile Banking and automatic Overdraft Protection Transfers will not apply
to this item count.
4
Auto debit must be from a Regions checking, money market or savings account.
LifeGreen Savings Annual Savings Bonus:
An automatic transfer of funds of at least $10 from your Regions checking account to your LifeGreen Savings account in at least 10 of any
of the 12 calendar months that precede the month of your account opening anniversary (your “Account Anniversary Month”) is required to
earn a 1% annual savings bonus. The annual savings bonus is based on the average monthly balance for the 12 calendar months that pre-
cede your Account Anniversary Month. The annual savings bonus will be paid to your LifeGreen Savings account by the second business day
of the month following your Account Anniversary Month. To receive the annual savings bonus, your LifeGreen Savings account must be open
on the date the annual savings bonus is paid. Maximum annual savings bonus of $100. Regions Bank reserves the right to change the terms
of or terminate this bonus program and prorate the amount of any bonus payment at any time in its sole and absolute discretion.
SAVINGS ACCOUNTS
You May Avoid Monthly Fee By
Maintaining:
Account Eligibility
Requirements
Minimum Opening Deposit
Monthly Fee
Interest Tiers
Excessive Withdrawal/Item Fee
3
Discount on Safe Deposit Box
(subject to availability)
SAVINGS
$300 minimum daily balance
Not applicable
$50
$5
Based on account balance
of $50,000 or more; $25,000-
$49,999.99; $10,000-$24,999.99;
$2,500-$9,999.99; below $2,500
$3 per withdrawal or transfer in
excess of 3 per month
30% with an additional 10%
discount for auto debit on one
box
4
SAVINGS FOR MINORS
2
Not applicable
Available to customers under
18 years of age
$5
$0
Based on account balance of all
balances
$3 per withdrawal or transfer in
excess of 3 per month
30% with an additional 10%
discount for auto debit on one
box
4
LIFEGREEN SAVINGS
1
Not applicable
Opening or maintaining a
Regions checking account
$50 ($5 if you set up a monthly
automatic savings transfer from
a Regions checking account)
$0
Based on account balance
of $50,000 or more; $25,000-
$49,999.99; $10,000-$24,999.99;
$2,500-$9,999.99; below $2,500
$3 per withdrawal or transfer in
excess of 3 per month
30% with an additional 10%
discount for auto debit on one
box
4
Deposit Account Balance Calculation for Monthly Fee Waivers.
Average Monthly Balance: For the LifeGreen Preferred Checking account, we divide the sum of the opening posted balances for each day in the statement
period by the number of days in the statement period. For all other accounts, we divide the sum of the ending posted balances for each day in the statement
period by the number of days in the statement period. Please note that your account statement only shows ending posted balances and an average balance
reflected by those ending posted balances. If your account is a LifeGreen Preferred Checking account, the average balance shown on the account statement is
not used for purposes of the monthly fee waiver. The ending balance for any day is the opening balance for the next day.
Minimum Daily Balance: For the Premium Money Market account, the minimum daily balance is the opening posted balance that must be
maintained in the account each day of the statement period. For all other savings and money market accounts, the minimum daily balance is the ending
posted balance that must be maintained in the account each day of the statement period. Please note that your account statement only shows ending
posted balances. If your account is a Premium Money Market account, the ending daily balances shown on the account statement are not used to
determine whether the minimum daily balance requirement has been met for those days. The ending balance for any day is the opening balance for the next day.
Interest Information. Interest is paid on your collected balance. The collected balance is the current posted balance in your account less any items
deposited into your account for which we have not received credit. Interest Rates and Annual Percentage Yields (APYs) are set by Regions and are subject to
change daily. You are paid the interest rate and APY corresponding to the collected balance in your account each day. For tiered rate accounts, the interest
rate and APY vary, depending on the balance tiers shown. Interest earned on checking, savings and money market accounts is compounded daily and paid
monthly. If you close your account before interest is credited, you will not receive the accrued interest.
1
Fee will be assessed for each transfer or payment (including checks) in excess of six per monthly statement period. Transfers from one Regions account to another Regions account
conducted in Regions Online Banking or Mobile Banking and automatic Overdraft Protection Transfers will not apply to this item count.
2
Auto debit must be from a Regions checking, money market or savings account.
MONEY MARKET ACCOUNTS
You May Avoid Monthly Fee By
Maintaining One Or More Of
The Following:
Minimum Opening Deposit
Monthly Fee
Interest Tiers
Excessive Withdrawal/
Item Fee
1
Printed Check Images With
Paper Statement
Discount on Safe Deposit Box
(subject to availability)
MONEY MARKET
Minimum daily balance of $2,500
$100
$12
Based on account balance of $50,000 or more;
$25,000-$49,999.99; $10,000-$24,999.99;
$2,500-$9,999.99; below $2,500
$15 per withdrawal, transfer, or payment in
excess of 6 per statement period
$0 (Note: Applies to both Printed and Deluxe
Check Images)
30% with an additional 10% discount for auto
debit on one box
2
PREMIUM MONEY MARKET
Minimum daily balance of $15,000 OR opening or
maintaining a LifeGreen Preferred Checking account
$100
$15
Based on account balance of $250,000 or more;
$100,000 – $249,999.99; $50,000 – $99,999.99;
$10,000 – $49,999.99; below $10,000
$15 per withdrawal, transfer, or payment in excess of
6 per statement period
$0 (Note: Applies to both Printed and Deluxe Check
Images)
50% with an additional 10% discount for auto debit
on one box
2
MISCELLANEOUS DEPOSIT FEES
All fees below are standard. Please see product specific information for exceptions.
Internet, 24-Hour Banking and Convenience Services Fees
All fees are per item unless otherwise indicated.
Regions ATM:
Withdrawal ...................................................$0.00
Balance Inquiry ...............................................$0.00
Transfer ......................................................$0.00
Mini Statements (available at select ATMs) .......................$0.00
Non-Regions ATM:
Withdrawal ...................................................$3.00
(Applies to all withdrawal requests, approved or declined)
Balance Inquiry ...............................................$0.00
Transfer ......................................................$3.00
Fees charged by owners/operators of non-Regions ATMs may apply.
International ATM:
Withdrawal ...................................................$5.00
(Applies to all withdrawal requests, approved or declined)
Balance Inquiry ...............................................$0.00
Transfer ......................................................$5.00
Fees charged by owners/operators of non-Regions ATMs may apply.
Non-Regions Bank Branch:
Card Cash Advance Fee .........................................$3.00
(Fee applies when you use your Regions CheckCard to withdraw cash
with the assistance of a bank employee at a non-Regions banking office.)
ATM and Branch Check Cashing Fees ...........Varies by amount and type
(see next page)
Mobile Deposit Fees ..........................Varies by amount and type
(see next page)
International Service Assessment 3% of transaction amount in U.S. dollars
CheckCard/ATM Card Replacement Fee ........................... $5.00
Expedited Card Replacement Fee ............................. $25.00
Regions Online Banking and Mobile Banking with Bill Pay:
Monthly Fee ..................................................$0.00
Expedited Payments
Same Day Bill Payment Fee ...................................$9.95
Overnight Check Bill Payment Fee ........................... $14.95
External Transfer Fee ................. Varies by service (see next page)
Zelle®
1
.......................................................$0.00
Mobile Banking access requires enrollment in Online Banking.
Your mobile carrier’s messaging and data fees may apply.
Regions Banking with Quicken
®
:
Monthly Fee ..................................................$0.00
Setup Fee ....................................................$0.00
(Includes Regions Online Banking)
Additional Services & Fees
All fees are per item unless otherwise indicated.
Bank By Mail Deposits ............................................$5.00
Bond Coupon Redemption:
Bonds (per envelope) ........................................ $15.00
Coupons (per envelope) ...................................... $20.00
Returned Bonds .............................................$35.00
Returned Coupons ..........................................$35.00
Cashier’s Check ................................................ $10.00
Check Collections – Domestic ................................... $25.00
Check Collections – Foreign
2
....................................$40.00
Check Printing .................... Fee depends on style of check ordered
Copy Services Fee (each item copy) ................................$0.00
Direct Deposit .................................................. $0.00
Drafts ......................................................... $20.00
Early Account Closing (within 180 days) ..........................$25.00
Fax Services ...........................$5.00 first page; $1.00/extra page
Legal Process/Document Review ...............................$100.00
Loose Coin Deposit .............................................. $5.00
Money Orders. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2 per money order
Maximum amount ............................$1,000 per money order
Non-customer Check Cashing (Regions checks) ......See branch for details
Notary Services ..................................................$0.00
Paid Overdraft Item Fee
3
....................................... $36.00
Safe Deposit Box:
Annual Rental Fees ................. Rental Fees Vary by Size and State
Late Payment Fee (past 30 days) .............................. $10.00
Replacement of Lost Key ..................................... $25.00
Drilling Fee ................................................ $150.00
Statement:
Statement Printout ............................................$0.00
Duplicate Statement ..........................................$5.00
Special Interim Statement .....................................$0.00
Electronic Statement ..........................................$0.00
Paper Statement ..............................................$3.00
Printed Check Images With
Paper Statement
4
.............................................$4.00
Deluxe Check Images With
Paper Statement
4
......................................$5.00/month
Stop Payment ................................$36.00/request or renewal
Stop Payment – Special Paying Instructions (Caution) ............. $36.00
Wire Transfer – Domestic:
Incoming ................................................... $15.00
Outgoing Standard .......................................... $25.00
Outgoing Repetitive ......................................... $25.00
Internal Transfer ..............................................$5.00
Return Wire ...............................................$15.00
Telephone Notification
5
........................................$5.00
Fax Notification
5
..............................................$3.50
E-mail Notification
5
...........................................$0.50
Automatic Standing Transfer ................................. $10.00
Wire Transfer – International:
Incoming ................................................... $18.00
Outgoing ................................................... $45.00
Telephone Notification
5
........................................$5.00
Fax Notification
5
..............................................$3.50
E-mail Notification
5
...........................................$0.50
Amendment of Wire Instructions .............................. $30.00
Recall of Funds ............................................. $45.00
Trace/Investigation of the Wire ............................... $40.00
1
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC,
and are used herein under license.
2
Courier fees may also apply and may vary by
country.
3
Regions offers a one-time refund of Paid Overdraft Item fees. Refund is limited
to the Paid Overdraft Item fees charged to your account with respect to one day’s
processing. Contact your local branch or call 1-800-REGIONS (734-4667) for your fee
refund. Paid Overdraft Item fees apply to items presented against insufficient available
funds in your account, including a check, in-person withdrawal, ATM withdrawal, debit
card transaction, or withdrawal by any other manual or electronic means whatsoever.
Only customers who have opted in to Standard Overdraft Coverage will be charged
Paid Overdraft fees for ATM and everyday CheckCard transactions. We will charge you
no more than three (3) Paid Overdraft Item fees per day. When the available balance
in your personal account is overdrawn by $5 or less after end-of-day processing, we
will not charge you a Paid Overdraft Item Fee for items that post that day. Standard
Overdraft Coverage elections can be made at most Regions ATMs, at your local Regions
branch, by calling us at 1-800-947-BANK (2265), or through Regions Online Banking.
You may be able to avoid Paid Overdraft Item fees with a timely deposit or transfer
of funds to your checking account; see the “Regions Overdraft Grace” section later
in this document.
4
Fee will be assessed whether or not checks are written during
the statement period. Fee will apply and be separately charged on your account
statement if you request check images with your paper statement. Satisfaction of
requirements to avoid monthly account fee, if applicable, does not affect additional
fee for check images.
5
Notification services are available only to customers who have
entered into a separate funds transfer agreement with the Regions Money Transfer
Department.
ATM and Branch Check Cashing Fees
1
Regions deposit account holders may be able to avoid in-branch check cashing fees if collected funds on deposit with Regions are sufficient to cover the amount of the check at
the time it is cashed. Under our funds availability policy, we may place a hold on funds in your accounts for the same amount as the check being cashed.
Mobile Deposit Fees
2
2
Mobile Deposit requires a compatible device and enrollment in Online Banking. Your mobile carrier’s messaging and data fees may apply.
3
Funds availability may be delayed beyond the availability option you have selected if your deposit account or Now Card is inactive or not in good standing or in order to mitigate
risk of error, fraud, or other loss to us. Funds availability options are offered in our sole and absolute discretion. We may change or discontinue funds availability options from
time to time without notice to you. The funds availability option or options offered with respect to any transaction may be determined by us on a case by case basis based on
such factors as we, in our sole discretion, deem relevant. Mobile Deposit availability options and any fees, if applicable, will be disclosed in the Regions Mobile app before the
deposit is completed.
4
Fee will appear in your account statement as “Mobile Transaction Fee”.
External Transfer
5
Fees through Online Banking (Subject to availability)
5
External transfer service requires enrollment in Online Banking.
6
Fee is added to the amount of each external transfer transaction. Next Business Day transfers are subject to account and financial institution eligibility criteria. The criteria are
confidential for security reasons.
Age Defined Accounts: LifeGreen Checking for Students and 62+ LifeGreen Checking
Account Eligibility
Available to customers 25 or younger or 62 or better, respectively. The person named first on the account is the ‘‘Primary Account Holder’’ and must be age 25
or younger or 62 or better, respectively. The person named second on the account is the ‘‘Secondary Account Holder’’ and is not required to meet the age
requirement. Additional joint account holders are permitted and are not required to meet the age requirement.
All Inactive Checking and Money Market Accounts
For all checking and money market accounts that have had no customer-initiated activity for a period of 92 days, we may, at our option, provide account
statements to you on a quarterly basis. Any fees we charge for the delivery of a paper statement or check images will be charged with respect to the quarterly
statement only. Monthly account fees will continue to apply. Upon any subsequent customer-initiated activity, monthly statements will resume.
Regions Overdraft Grace
If the available balance in your Consumer or Private Wealth checking account is overdrawn by more than $5 after nightly processing of items presented
on any business day (“Day 1”), you may avoid paid overdraft item fees for Day 1 paid overdraft items if by 8 p.m. Central Time on the next following
business day (“Day 2”) you make a deposit or transfer funds to your account sufficient to bring your available balance to an amount equal to or greater
than negative $5 (-$5) after nightly processing of items presented on Day 2. This means that by 8 p.m. Central Time on Day 2 you must deposit or
transfer an amount sufficient to cover both the Day 1 paid overdraft items and any new items that may be presented for payment or withdrawal on
Day 2 with the result that your available balance after nightly processing of Day 2 items is equal to or greater than negative $5 (-$5) (an “Overdraft
Grace Deposit”). It is your responsibility to anticipate and be aware of any new items that may be presented for payment or withdrawal on Day 2 and
to include funds for those items in your Overdraft Grace Deposit. If your available balance after nightly processing of Day 2 items is overdrawn by more than $5,
we may charge paid overdraft item fees for the Day 1 paid overdraft items. These fees will be charged to your account on the next business day following Day 2.
Fee
4
No charge
Checks: 1.00% – 4.00% of check amount per item deposited ($5 minimum fee) —
percentage dependent on check type
(No charge for checks drawn on Regions for $25 or less, excluding Two Party
Business checks)
Availability
3
Available for Processing Tonight
Available Immediately
CHECKS DRAWN ON REGIONS
1
Fee
No charge
1.00% of check amount ($5 minimum fee and $20 maximum fee)
4.00% of check amount ($5 minimum fee)
Check Amount/Type
$25.00 or less (excluding Two-Party Business)
$25.01 or greater (excluding Two-Party Business)
Two-Party Business
CHECKS NOT DRAWN ON REGIONS
1
Fee
1.50% of check amount on all amounts ($5 minimum fee)
4.00% of check amount ($5 minimum fee)
Check Type
Printed Payroll and Government Checks
Other Check Types (Handwritten Payroll, Handwritten Person-to-
Person, Two Party Consumer and Business, Refund Anticipation,
Insurance Settlement Checks, Cashier’s Checks, Official Checks,
Money Orders)
Fee
6
No charge
$3.00
No charge
$7.00
Service
Standard Service – Inbound Transfers (including high limit transfers)
Standard Service – Outbound Transfers (including high limit transfers)
Next Business Day – Inbound Transfers
Next Business Day – Outbound Transfers
Deposits and transfers you make to your account as Overdraft Grace Deposits are subject to the terms of our deposit agreement and our funds availability
policy, the terms of applicable product and service agreements, and the provisions of applicable law and regulation. Under those terms and provisions,
certain items you deposit or transfer may not be accepted as part of an Overdraft Grace Deposit (e.g., a check deposit may be subject to a funds availability
hold). Also, certain deposit-taking facilities may have cutoff times earlier than 8 p.m. Central Time (e.g., our banking offices may close before 8 p.m.
Central Time). We reserve the right to reject any deposit or transfer that does not conform to our business requirements or account or service terms
and conditions, that does not meet the requirements of law or regulation, that we believe is unlawful or fraudulent, or that we believe puts our assets or
operations at risk for any reason in our sole and absolute discretion.
Regions offers alert and notification services that can help you keep up with certain activity in your account, including activity that causes a negative
available balance. For more information, visit https://www.regions.com/digital-banking/mobile-banking/alerts-and-notifications. You should enroll for
these services to help ensure that you will have sufficient time to make an Overdraft Grace Deposit and take advantage of Regions Overdraft Grace in the
event you overdraw your account’s available balance.
Overdraft Protection
Overdraft Protection allows you to link your Regions checking account to an eligible Regions savings account, money market account, credit line, or credit
card account. If you choose to enroll in Overdraft Protection, we may use the amount available for Overdraft Protection in the funding account to authorize
and pay debit card and ATM transactions on the checking account that otherwise might be declined or cause an overdraft on the checking account. We
also may use this available balance in the linked funding account to pay check and ACH items on the checking account that would otherwise be paid into
overdraft for a fee or returned at no charge. If one or more transactions would overdraw the checking account, we will automatically transfer money to
your checking account from your linked funding account, as provided in the Regions Deposit Agreement.
We generally transfer amounts from the designated funding account to the checking account in increments of $10. If the available balance of the funding account
is less than $10, or the available balance of the funding account is less than the $10 increment that otherwise would be transferred to cover the amount of the
overdraft, we will transfer the full amount of the available balance of the funding account to the checking account. If the checking account still has an insufficient
available balance to pay an overdraft item even after we advance available funds from the funding account, we may return the item or pay it into overdraft.
We do not charge a transfer fee for Overdraft Protection transfers.
Additional rules and fees on the various Overdraft Protection options are noted in the applicable customer agreements covering deposit accounts, credit cards,
and credit lines. Funds advanced from a credit line or credit card account will accrue interest at the interest rate provided in the agreement for that account.
Credit lines and credit cards are subject to credit approval.
Visit your nearest branch, call 1-800-REGIONS, or log in to Online Banking to set up Overdraft Protection.
Taxes
You are responsible for taxes due on interest, bonuses, and the value of any gift or incentive you may receive. Depending on the type of payment, Regions
may report as income on IRS Form 1099-INT or 1099-MISC.
For accounts opened in Iowa, certain account fees are subject to Iowa State Tax of 6%, which will be assessed at the time the fee is charged, unless exempt.
Time Deposits
• The minimum balance to open a Regular Time Deposit and/or Certificate is $500 for terms of 90 days or more, $2,500 for terms of 7-89 days; $250 for
IRA Time Deposits and/or Certificates.
• Early withdrawal may result in substantial penalty. Refer to the Time Deposits/Certificates of Deposit section of the Deposit Agreement, to your
Time Deposit receipt, or to your Prematurity Notice for details, terms and conditions.
Relationship Interest Rates for Time Deposits and Certificates of Deposit
If you are a Regions checking customer, you may qualify to earn a special relationship interest rate on certain time deposit accounts (“Time Deposits”)
and certificates of deposit (“Certificates”). The requirements for a relationship interest rate (the “Relationship Requirements”) are as follows: (i) the Time
Deposit/ Certificate must have a term or renewal term, as applicable, of at least 32 days and (ii) the primary or secondary owner on the Time Deposit/
Certificate must be the primary or secondary owner on an open Regions checking account in good standing during the Time Deposit/Certificate term or
renewal term, as applicable. Please note that IRA Time Deposits and Certificates, deposits by public entities, brokered deposits, and deposits by financial
institutions are not eligible for relationship interest rates.
Applicable relationship interest rates and standard interest rates (together with corresponding annual percentage yields (APYs)) will be stated in other
disclosures related to the Time Deposit or Certificate. Relationship interest rates and standard interest rates are set from time to time by Regions management
and are subject to change.
Regions may discontinue or change the requirements for relationship interest rate programs at any time, and subject to notification requirements imposed
by applicable law or regulation, Regions has no obligation to continue a relationship interest rate program for any Time Deposit or Certificate renewal term.
Regions may from time to time refer to its deposit systems to confirm that the primary or secondary owner on the Time Deposit/Certificate is the primary
or secondary owner on an open Regions checking account in good standing, and if such Relationship Requirement is not satisfied, Regions may reset the
interest rate for the Time Deposit/Certificate to the standard Regions interest rate for Time Deposits/Certificates that was in effect at the time the Time
Deposit/Certificate account was opened or renewed, as applicable. You will be notified if this occurs. Any such interest rate reset will take effect no earlier
than the day following the day on which Regions determines that you have failed to meet any Relationship Requirement, and the standard interest rate
will apply for the remainder of the Time Deposit/Certificate term or renewal term, as applicable.
Please refer to your Time Deposit/Certificate account documentation for details and disclosures.
Relationship Checking Account Ownership Requirements:
(This section applies to LifeGreen Preferred Checking)
To qualify for relationship pricing, the following ownership requirements must be met:
• The primary (person listed first on the account) or secondary (person listed second on the account) owner of the relationship checking account
must be the primary or secondary owner of the related deposit accounts. The primary (person listed first on the account) or secondary (person
listed second on the account) owner of the relationship checking account must be the primary owner of related credit accounts.
• The related account must be established with one of the following ownership designations:
•
Sole Owner
•
Joint
•
Co-Trustee
•
Joint Tenant Without Right of Survivorship
•
Primary Owner
•
Joint And
•
Grantor
•
Maker
•
Secondary Owner
•
Joint Tenant
•
Joint Tenants By Entirety
•
Co-Maker
•
Owner
•
Joint In Common
•
Joint Tenant With Right of Survivorship • Principal
•
Co-Owner
•
Trustee
LifeGreen Preferred Checking Accounts
A monthly fee based on account balances provides owners of LifeGreen Preferred Checking accounts with certain services and benefits. You agree that we may
restrict or limit any or all of these services and benefits to primary and secondary account holders, even if your account has additional joint account holders.
Individual Retirement Accounts (IRAs)
• A transfer fee of $15 per account will apply if you transfer any IRA to another institution.
• In the event of an early withdrawal from an IRA with a stated maturity date, the Early Withdrawal Penalty described in the Deposit Agreement will
apply. Consult your financial or tax advisor about taxes and tax penalties that may apply upon withdrawal of IRA proceeds.
Current Rate Information
You may always obtain the current interest rate and Annual Percentage Yield (APY) being paid on your account simply by contacting any Regions office.
Information
Call your local Regions office for more information about these or any of our other financial services.
Additional Terms and Conditions
The provisions contained in this Pricing Schedule are an addendum to our Deposit Agreement. All products and services described in the Pricing Schedule are
subject to the terms and conditions set forth in the applicable customer agreements and disclosures for such products and services. Products and services
may be subject to credit approval and eligibility requirements.
The terms and information set forth in this document are subject to change. We will notify you of changes as provided in the applicable customer
agreement and/or as required by applicable law.
Please Retain For Your Records
Member FDIC. (Rev. 08/24)
