welcome
A guide to your new bank accounts and services
to Regions
273556 RG catalog.qxd:layout 3/10/09 8:50 AM Page 1
Strength. Commitment. Security.
Highlights About the Transition of Your Services 4
Access Made Easy – for Personal and Business Customers 12
Personal Deposit Accounts
I
Checking Accounts 18
I
Savings Accounts 24
I
Money Market Accounts 26
I
Certificates of Deposit (CDs) and IRAs 28
Additional Personal Checking and Savings Options 29
Personal Credit Options 30
Specialized Personal Services 31
Business Deposit Accounts
I
Checking Accounts 34
I
Savings and Public Funds Accounts 36
I
Money Market and IOLTA Accounts 38
I
Certificates of Deposit (CDs) 40
Business Credit Solutions 40
Additional Business Checking and Savings Options 41
Specialized Business Services 42
Welcome to Regions.
We are committed to providing you with the
exceptional service you deserve backed by the
strength, stability and resources of one of the
country’s top financial institutions. With Regions,
you get more than 30,000 professionals dedicated
to keeping banking simple, easy and reliable –
and to helping to make your financial life better,
now and for many years to come.
As of the close of business on Thursday, April 23, 2009, your
personal and/or business deposit accounts, certain deposit-related
loans and account services will convert to Regions Bank’s systems.
As a Regions customer, you will be guided through a smooth, simple
transition by a bank that has been serving North Georgia and Metro-
Atlanta for 13 years, with more than 100 branches.
In the pages that follow, you can read
more about what to expect from us. For
the terms and conditions, fee schedules
and interest rate tiers that apply to
your Regions accounts, please see
the enclosed
Consumer and
Business Disclosure Booklet
(Disclosure Booklet).
This booklet also
includes the
Regions
Privacy Pledge to
Consumers.
Contents
CONTENTS 3
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A SMOOTH TRANSITION
I
We’re taking great care to make this transition easy for you. Plus,
you now have the peace of mind of knowing that your deposits
will be held by one of the largest and strongest banks in the U.S.
YOUR ACCOUNTS AND SERVICES
I
Right now, continue to use your personal and business accounts
and services as you do today. As of the close of business on
April 23, 2009, your accounts and services will convert to
Regions Bank’s systems and you’ll be able to take advantage
of a number of enhanced services, including:
I
Access to more banking locations than ever – with over
1,900 Regions branches in 16 states. See regions.com for
exact locations.
I
An enhanced array of financial solutions for your banking needs.
I
Ability to speak to a customer service associate outside of
branch hours.
I
Expanded Business Banking, Private Banking and
Commercial Banking Services.
NEW CHECKING AND SAVINGS CHOICES
I
As you look through this guide, you may find another account
that can better suit your needs. If you do, we’ll make it easy to
switch to the Regions account that’s right for you. Simply call
or visit your local branch. Beginning April 25, you may also call
us at 1-800-REGIONS (1-800-734-4667).
DEPOSIT ACCOUNT NUMBERS
I
All personal and business checking, savings, money market,
CD and IRA accounts will receive new account numbers. For
your convenience, your new account number will consist of a
three-digit numerical prefix plus your current account number.
I
You will receive a separate mailing with your new account
number(s) shortly after April 23.
I
Your current account number(s) will remain valid until you
receive your new account number(s).
Highlights
4
CHECKS
I
You will receive new documents for your checking and money
market account(s) shortly after April 23.
I
For your personal or business checking account, you will
receive a starter set of checks and deposit tickets with your
new account number and bank routing and transit number.
Included with these starter checks will be specific instructions
on how to place an order for a full supply of checks at no cost
to you.
I
For your money market account, you will receive a full supply
of checks and withdrawal and deposit tickets with your new
account number and bank routing and transit number.
I
For savings accounts, please visit your branch if you need deposit
or withdrawal tickets.
I
You may continue to use your existing FirstBank Financial Services
documents until you receive a full supply of Regions documents.
I
Beginning April 24, if you order checks and deposit tickets from
a source other than the bank, please contact your local branch or
banker for a new Regions check specification sheet before
placing your next order.
HIGHLIGHTS 5
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NEW REGIONS VISA
®
CHECKCARD
I
If you currently use a MasterCard Debit Card, Business MasterCard
Debit Card or ATM card to access your accounts, you will
automatically receive a new Regions Visa
®
CheckCard or Business
Visa
®
CheckCard to replace your current card before your accounts
convert to Regions’ systems. See page 13 for information about
card access and your Personal Identification Number.
I
If you have automatic payments using your current MasterCard
Debit Card, please notify the service providers of your new
Regions Visa CheckCard or Regions Business Visa CheckCard
number and expiration date.
RECURRING DEPOSITS, PAYMENTS AND TRANSFERS
I
Direct deposit of payroll, government or other recurring deposits
to your account will continue without interruption.
I
Recurring payments and transfers will continue as before, with
no change to your current arrangements.
I
Certain FirstBank Financial Services loans that have recurring
electronic payments and transfers may receive further
notification
and information regarding changes to your account.
ONLINE BANKING AND BILL PAY
I
If you currently use personal or business online banking or bill
payment services, please continue to bank online just as you
always have. We’ll send a separate communication to you with
simple instructions for logging in to Regions Online Banking with
Bill Pay beginning April 25.
REGIONS.COM
I
Discover a world of
information right at your
fingertips at regions.com.
I
Learn more about the many
financial tools and options
available to you at Regions, find
the nearest ATMs and branches,
use online calculators and more.
YOUR CREDIT CARD
I
Your FirstBank Financial Services credit card is issued and
administered by Silverton Bank. Your credit card account will
not be converted to Regions and will continue to be serviced
by Silverton Bank.
CONVERTING CD-SECURED CONSUMER LOANS
I
If you use a loan coupon book to make your payments, please
continue to use your existing coupon book at this time.
I
When your loan is converted to Regions, you will begin receiving
monthly loan statements. You will also have a new payment
address which will be shown on your new statement.
I
If your monthly loan payment is set up for automatic draft, this
service will continue without interruption.
I
You will receive a separate mailing with additional loan and loan
servicing information.
CONVERTING CD-SECURED CONSUMER LINES OF CREDIT
I
When your line of credit is converted to Regions, your statement
will have an updated look and design. You will also have a new
payment address which will be shown on your new statement.
I
If your monthly line of credit payment is set up for automatic
draft, this service will continue without interruption.
I
If you have line of credit access checks, you can continue using
these to access your line. Your next order of checks will feature
the Regions logo and design.
I
You will receive a separate mailing with additional account
information and instructions.
6 HIGHLIGHTS 7
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8
DEPOSIT ACCOUNT STATEMENTS
I
Your statement will arrive about the same time of the month.
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You will receive two statements for the month of April.
I
Your statements will feature an improved, easy-to-read format.
I
See page 17 for more information.
PAYMENT AND PROCESSING OF ITEMS
I
The FirstBank Financial Services “Overdraft Privilege” program
will be discontinued.
I
Our procedures for the processing and collection of items may be
different from those used by FirstBank Financial Services. Please
be aware that we may pay items presented for payment in any
order that we choose, including payment in decreasing dollar
amount (i.e., from the largest dollar amount to the smallest dollar
amount) or pursuant to a real-time posting methodology. If you do
not wish to incur overdraft, nonsufficient funds, or returned item
fees when you write a check or initiate a debit, you should always
make sure your account contains sufficient funds to cover
outstanding transactions.
I
Please see the enclosed
Disclosure Booklet
for more information,
and please refer to other sections of this catalog for information
about Overdraft Protection options.
RETURNED ITEM PROCESSING FOR BUSINESSES
I
You will have additional options for handling returned deposit
items, including automatic redeposit of items drawn on other
banks and enhanced reporting options.
I
Returned deposit items are processed throughout each business
day, so you may receive more than one notification on any day.
I
Please contact your banker for more information about
enhancements available to you.
CONVERTING CD-SECURED BUSINESS LOANS AND LINES OF CREDIT
I
If your loan was purchased by Regions, your first statement after
April 23 will have a new look and format featuring the Regions
logo, and it will arrive at about the same time of the month as it
does now. It will also include a new payment address.
I
If you make your payments through automatic debit, this service
will continue automatically.
I
You will receive a separate mailing with additional account
information and instructions if your loan was purchased by Regions.
OVERDRAFT PROTECTION
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If you have Overdraft Protection provided through a checking,
savings or money market account, this service will continue.*
I
Overdraft Protection is activated if your checking account balance
needs funds to cover items for payment. Funds are transferred from
the funding account in $100 increments. A per-day transfer fee
is
assessed to the checking account. See the enclosed
Disclosure
Booklet
for details.
I
If you have Overdraft Protection through a FirstBank Financial
Services Overdraft Protection Line of Credit, you will receive a
separate communication regarding this service.
I
If you do not have Overdraft Protection and would like more
information, call us, visit your branch or go to regions.com after
April 23.
*
Public Funds entities are not eligible for this service.
HIGHLIGHTS 9
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SAFE DEPOSIT BOXES
I
Your Safe Deposit Box
number will remain the
same, and you will continue
to use the same keys to
access your box unless
you have already been
notified otherwise.
I
Please note that on April 24,
2009, your Safe Deposit Box
rental will fall under the
terms and conditions of the Regions Safe Deposit Box Lease
Agreement.
Please see the enclosed
Disclosure Booklet
for new
lease terms and conditions. Also be advised that as of April 24,
2009, the authority of your Safe Deposit Box deputy
must be
confirmed with a valid, durable Power of Attorney.
No deputy will
be permitted to enter a Safe Deposit Box without a valid, durable
Power of Attorney signed by the box lessee.
I
As of April 24, your Safe Deposit Box billing notice will have
a new look and format.
I
Any changes to your rental rate or discounts will be reflected
on your annual Safe Deposit Box billing notice.
FDIC INSURANCE
I
Deposits that you had with FirstBank Financial Services as of
February 6, 2009, will have separate FDIC insurance coverage
for six months from that date (or in the case of time deposits,
until the first maturity date after the six-month period),
according to the rules, regulations and coverage limits of the
FDIC. At the end of this period, these deposits will be combined
with your Regions Bank deposits for the purposes of FDIC
insurance coverage. If you have both Regions and FirstBank
Financial Services deposits, you may wish to contact a branch
associate to discuss how your accounts may be structured to
maximize FDIC insurance coverage.
FUNDS AVAILABILITY
I
Your funds availability may be different from your current
availability. Please see the enclosed
Disclosure Booklet
for
more details.
I
In addition, cut-off times for making deposits with same-day
credit may be different than in the past and will be displayed at
each branch. As of April 24, 2009, the cut-off time for same-day
deposits at former FirstBank Financial Services branches will be
2:00 pm ET.
INACTIVE ACCOUNTS
I
Any checking or money market account that has no customer-
initiated activity for a period of 90 days will receive quarterly
statements. Monthly statements will be sent with any subsequent
customer-initiated activity.
I
Free Checking and Free Interest Checking accounts that have
no customer-initiated activity for a period of 90 days may be
converted to a Check-for-Less account.
I
Please see the enclosed
Disclosure Booklet
for more information.
YOUR MAILING ADDRESS
I
Beginning April 24, 2009, Regions statements, interest checks
and correspondence will be mailed only to the current, primary
address on your account.
I
Seasonal and Alternate Addresses – Please contact your branch
to have bank documents mailed to a different address.
YOUR NEW
DISCLOSURE BOOKLET
I
For the terms and conditions, fee schedules and interest rate
tiers that will apply to your Regions deposit accounts as of
April 24, 2009, please see the enclosed
Disclosure Booklet.
If you have questions or need assistance,
please call or visit your local branch. Beginning
April 25, you may also call us at
1-800-REGIONS (1-800-734-4667)
or visit regions.com.
10 HIGHLIGHTS 11
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OVER 1,900 BRANCH LOCATIONS – READY TO SERVE YOU
I
Beginning April 24, 2009, you’ll be able to bank at any branch
location across our entire 16-state network, including:
I
Unless you have been notified otherwise, you can also continue
to bank at your former FirstBank Financial Services branch,
which now has the Regions name. As of April 24, the Lobby and
Drive thru hours at these former FirstBank Financial Services
branches will be:
Monday – Thursday: 9:00 am to 4:00 pm
Friday: 9:00 am to 5:00 pm
Saturday: 9:00 am to noon
I
For locations and hours of additional Regions branches, please
visit regions.com.
MORE THAN 2,300 ATMS – AVAILABLE RIGHT NOW
I
Continue to access more than 2,300 Regions ATMs in 16 states
with no ATM transaction fees. Beginning April 25, you’ll have
access to the full range of services that these ATMs offer.
I
When you use an ATM not owned by Regions, you may be charged
a fee. You may also be charged a fee by the ATM operator or
the ATM network. Please refer to the Pricing Schedules in the
enclosed
Disclosure Booklet
for more information.
Branches
Alabama
Arkansas
Florida
Georgia
Illinois
Indiana
Iowa
Kentucky
Louisiana
Mississippi
Missouri
North Carolina
South Carolina
Tennessee
Texas
Virginia
YOUR NEW REGIONS VISA
®
CHECKCARD*
I
If you currently use a MasterCard Debit Card, Business
MasterCard Debit Card or ATM card to access your accounts,
you will automatically receive a new Regions Visa
®
CheckCard
or Regions Business Visa
®
CheckCard to replace your current
card before your accounts convert to the Regions system.
I
Your new card can be used beginning April 25, 2009. Your
current FirstBank debit card will no longer work after this date.
I
You will be able to continue to use your existing Personal
Identification Number (PIN) with your new card.
I
If you have automatic payments using your current MasterCard
Debit Card, please notify the service providers of your new
Regions Visa CheckCard or Regions Business Visa CheckCard
number and expiration date.
I
Your new CheckCard will be automatically enrolled in Regions
CheckCard Rewards. Learn more at regions.com/rewards.
Effective April 23, 2009, the Scorecard Debit rewards program
and earned points will be discontinued. Please redeem your
reward points before April 23, 2009.
I
Your new Regions Visa CheckCard or Regions Business Visa
CheckCard is covered by Visa Zero Liability
†
, which protects
you in case of any fraudulent activity that may occur with
your CheckCard.
I
If you use your CheckCard internationally for purchases, you
may incur a 3% International Service Assessment (ISA) fee.
I
See the new card agreement in the enclosed
Disclosure Booklet
for information about the terms and conditions that will apply
to your Visa CheckCard as of April 25, 2009. Be sure to note
the new contact information (1-800-295-VISA) for reporting a
lost or stolen card, or fraudulent or unauthorized use of your card.
*
Public Funds entities are not eligible for Business Visa Check Cards.
†
Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM
transactions, PIN transactions not processed by Visa, or certain commercial card
transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult
issuer for additional details or visit visa.com/security.
ATMs
CheckCards
12 ACCESS MADE EASY 13
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REGIONS iTREASURY
iTreasury is the online banking service for commercial and business
customers with more sophisticated cash management needs.
With iTreasury you can:
I
Access account information 24/7, including balances and
transaction data.
I
M
ake payments to vendors and employees.
I
Choose from a wide range of available features.
What’s more, small businesses can purchase service packages as an
economical way to gain access to iTreasury.
BECOME PAPERLESS
Eliminate the hassle of receiving your bank statements by mail with
Regions Online Statements – it’s safer and more secure and it’s FREE.
I
View, print or save each month’s checking and/or savings account
statement via Regions Online Banking.
I
Collect up to 18 months of Online Statements.
I
Keep all of your Online Statements in one safe and secure location.
I
Reduce the risk of mail fraud and identity theft.
Online Statements are only available for Regions Online Banking
customers. If you currently use online banking with FirstBank Financial
Services, you will automatically receive Online Statements when you
create your Online ID and Password with Regions. Instructions for
creating your new Regions Online ID and Password will be mailed to
you shortly before April 23, 2009. If you do not currently use online
banking, you may sign up at regions.com beginning April 25.
Online Banking and Bill Pay
When your accounts convert to Regions systems, some of the functions
and features of your online banking will change. You will receive a
separate communication with more information on these new features
and any other changes shortly before April 23, 2009. Some of the
convenient and easy-to-use features of Regions Online Banking include
a login box located directly on regions.com and:
I
Starting April 24, transaction history will begin to build up to
18 months.
I
Categorize new transactions and run reports for financial analysis.
I
Establish e-mail alerts to notify you when your balance reaches
a certain point or when a particular transaction meets your
defined criteria.
I
Once checks begin to post to your new account, you can easily
view the front and back of each check with just the click of
a button. You can also view deposit slips.
I
Transfer funds between all of your Regions accounts.
I
Set up new payees quickly and easily by choosing from 1,300
pre-set merchants or by setting up your own payees.
I
Send a secure message to a Regions banker.
And the best part about Regions Online Banking with Bill Pay is that
it is FREE!
Protecting yourself online.
You may receive information about your new online banking features
and benefits, as well as account alerts, via e-mail. We will never
request personal information, such as Social Security Numbers,
Tax Identification Numbers, account numbers, passwords, PINs,
addresses or birth dates from you via e-mail. It is important that
you do not respond to any e-mail request you receive for personal
information, even if it appears to come from a legitimate source. If
you receive any suspicious e-mails or e-mail requests for information,
please forward the e-mail to fraud@regions.com or contact us at
1-800-REGIONS (1-800-734-4667).
14 ACCESS MADE EASY 15
Please note: Public Funds accounts cannot be viewed through Regions Online Banking.
Additionally, IOLTA accounts cannot be viewed through Regions Online Banking using
an enrollment with a Tax Identification Number due to opening requirements set by
State Bar Foundations.
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 14
Statements
DEPOSIT ACCOUNT STATEMENTS
I
Your deposit statements will be mailed at about the same time of
the month as before.
I
Beginning April 24, your Regions statement will have a new
format that is easy to read and understand. You will receive a
separate statement for each account.
I
You will receive a final FirstBank Financial Services statement
reflecting activity from your last statement date through April 23.
Any accrued interest will be applied, and monthly account fees,
if applicable, will be waived. Your first Regions statement will
reflect transaction activity from April 24 through your next
statement date.
I
Your new statement will show the fronts of checks, with 18
images printed per page. All image statements will be printed
in this format. Customers converting to LifeGreen Checking for
Business will receive free Check Safekeeping. Please see the
enclosed
Disclosure Booklet
for details.
I
Online banking customers can view deposit slips and check
images, front and back, online. With our free Online Statement
service, you can also view statements online. Starting April 24,
up to 18 months of check images and online statements will
begin to accrue.
ACCOUNT ANALYSIS STATEMENTS FOR YOUR BUSINESS
CHECKING ACCOUNT
I
Beginning April 24, you will no longer receive analysis
statements.
I
If you would like to continue to receive a monthly analysis
statement, please call 1-866-463-5799 or e-mail your request
to [email protected] after April 24, 2009.
Telephone Banking
FREE AUTOMATED SERVICE FOR PERSONAL AND BUSINESS
ACCOUNTS
For 24-hour-a-day automated service (as of April 25):
1-800-REGIONS (1-800-734-4667)
Personal assistance available:
Monday – Friday, 7:00 am to 8:00 pm ET
Saturday, 7:00 am to 3:00 pm ET
TDD service available (as of April 25):
1-800-374-5791
IRA Service Center:
1-800-388-4727, Monday – Friday, 8:00 am to 6:00 pm ET
Accessing Your Account Information:
If you do not have a pre-existing relationship with Regions Bank, you
must first establish a Telephone Banking Personal Identification
Number (PIN) to use the automated system*:
I
Call 1-800-REGIONS from your home phone on or after April 25
I
Choose option 1
I
Enter your Social Security Number or Tax ID Number
I
Follow the voice prompts to establish your 4-digit PIN and take
advantage of our free automated service to:
I
Obtain balance information
I
Transfer funds between your eligible accounts
I
Listen to transaction information
• Most recent transactions
• Listing of checks
• Listing of electronic items
• Listing of deposits
I
Speak to a Regions Banker during business hours
I
And more
*
Pre-existing customers of Regions should continue to use their Regions PIN.
Please note: As of April 25, the cut-off time for same-day transfers
through telephone banking will be 7:00 pm ET.
16 ACCESS MADE EASY 17
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Personal Checking Accounts at Regions
New name for your
account at Regions
These added benefits are available with your Regions checking account:
I
Free Regions Visa
®
CheckCard
I
Free Regions Online Banking with Bill Pay
I
24-hour access via regions.com, 1-800-REGIONS and more than
2,300 Regions ATMs
I
Free Online Statements and Check Safekeeping
I
Installment loan* interest rate discount with automatic debit
I Home Equity* rate discounts available with checking relationships
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
IMPORTANT NOTES:
Information about
interest rates:
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well
as miscellaneous fees that may apply to your account(s).
18
HIGHLIGHTS OF YOUR
PERSONAL CHECKING 19
*
Subject to credit approval
†
Subject to availability
I
No monthly fee.
I
No minimum balance.
I
Images of your checks will continue to be
provided with your statement free of charge.
I
No monthly fee.
I
No minimum balance.
I
Images of your checks will continue to be
provided with your statement free of charge.
First Choice Free
Checking will become:
FREE CHECKING
First Choice Advantage
Checking will become:
50+ FREE CHECKING
I
50% discount on personal style checks.
I
30% discount on Safe Deposit Box
†
rental with
an additional 10% discount for auto debit.
I
No fee on withdrawals, transfers and balance
inquiries at Regions ATMs. A $2
Regions fee
will apply for these transactions
at other banks’
ATMs. Please see the pricing schedule for
more information.
I
Free checks (single wallet-style Regions
custom) or 50% off any personal style check.
I
Bonus rates on most CDs with terms of
six months or longer.
I
50% discount on Safe Deposit Box
†
rental with
an additional 10% discount for auto debit.
I
No fee on withdrawals, transfers and
balance
inquiries at Regions ATMs. A
$2
Regions fee
will apply for these transactions
at other banks’
ATMs. Please see the pricing schedule for
more information.
I
This account does
not pay interest.
I
This account does
not pay interest.
Additional information:
I
The features and benefits of the Advantage Club program will no longer
be available. Many of these same features and benefits are available with
current Regions products.
I
We will no longer participate in or provide the FirstBank Accidental
Death and Dismemberment Insurance as of May 7, 2009. If you have
a direct relationship with a third-party provider in connection with
Accidental Death and Dismemberment Insurance, you may wish to
contact that provider about independently continuing Accidental Death
and Dismemberment Insurance.
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 18
Personal Checking Accounts at Regions
New name for your
account at Regions
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
Information about
interest rates:
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well
as miscellaneous fees that may apply to your account(s).
20
HIGHLIGHTS OF YOUR
PERSONAL CHECKING 21
†
Subject to availability
I
No monthly fee.
I
No minimum balance.
I
Images of your checks will continue to be
provided with your statement free of charge.
I
No monthly fee with combined deposit
balances of $10,000 or daily outstanding
loan balances of $15,000.
I
Otherwise, a $15 monthly fee will apply.
First Choice Plus
Checking will become:
FREE INTEREST
CHECKING
First Choice Premier
Checking will become:
PREFERRED PLUS
BANKING
I
50% discount on personal style
checks.
I
30% discount on Safe Deposit Box
†
rental with an additional 10%
discount for auto debit.
I
No fee on withdrawals, transfers and
balance inquiries at Regions ATMs.
A $2 Regions fee will apply for these
transactions at other banks’ ATMs.
Please see the pricing schedule for
more information.
I
Free checks (single wallet-style
Regions custom) or 50% off any
personal style check.
I
Bonus rates on most CDs with terms
of six months or longer.
I
50% discount on Safe Deposit Box
†
rental with an additional 10%
discount for auto debit.
I
Two transactions per month at other
banks’ ATMs with no Regions ATM
transaction fee. Thereafter, a $2
Regions fee will apply.
I
Interest will be paid on your
collected balance.
I
New interest rates and tiers
will apply. A minimum balance
of $2,500 is required to earn
interest.
I
Please see the pricing
schedule for more information.
I
Interest will be paid on your
collected balance.
I
New interest rates and tiers
will apply.
I
Please see the pricing
schedule for more information.
Additional information:
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 20
Personal Checking Accounts at Regions
New name for your
account at Regions
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
Information about
interest rates:
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well
as miscellaneous fees that may apply to your account(s).
22
HIGHLIGHTS OF YOUR
PERSONAL CHECKING 23
†
Subject to availability
I
No monthly fee.
I
No minimum balance.
I
Images of your checks will continue to be
provided with your statement free of charge.
Secure Plus Checking
will become:
FREE INTEREST
CHECKING
I
50% discount on personal style
checks.
I
30% discount on Safe Deposit Box
†
rental with an additional 10%
discount for auto debit.
I
We will no longer participate in or
provide the FirstBank Identity Theft
Insurance as of May 7, 2009. If
you have a direct relationship with
a third-party provider in connection
with Identity Theft Insurance, you
may wish to contact that provider
about independently continuing
Identity Theft Insurance.
I
No fee on withdrawals, transfers and
balance inquiries at Regions ATMs.
A $2 Regions fee will apply for these
transactions at other banks’ ATMs.
Please see the pricing schedule for
more information.
I
Interest will be paid on your
collected balance.
I
At conversion, your rates for all
balances in this account will
be set equal to the current top
rate paid on your account at
the former FirstBank Financial
Services.
I
This rate will continue for
three months after the date of
conversion.
I
After three months, new
interest rates and tiers will
apply. A minimum balance of
$2,500 is required to earn
interest.
I
Please see the pricing
schedule for more information.
Additional information:
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 22
Information about
interest rates:
I
Interest will be compounded
daily and paid monthly on
your collected balance.
I
New interest rates and tiers
will apply.
I
Please see the pricing
schedule for more
information.
I
Interest will be compounded
daily and paid monthly on
your collected balance.
I
New interest rates and tiers
will apply.
I
Please see the pricing
schedule for more
information.
Additional information:
I
Can be linked to your Regions checking
account for Overdraft Protection.
I
30% discount on Safe Deposit Box
†
rental with an additional 10% discount
for auto debit.
I
30% discount on Safe Deposit Box
†
rental with an additional 10% discount
for auto debit.
I
The benefits associated with the
Camp Save-A-Lot program will be
discontinued.
†
Subject to availability
PERSONAL SAVINGS 25
New name for your
account at Regions
I
No monthly fee with a $300 minimum daily
balance.
I
Otherwise, a $4 monthly fee will apply.
I
No monthly fee.
I
No minimum balance.
First Choice Savings will
become:
SAVINGS*
First Choice Young
Savers will become:
SAVINGS FOR
MINORS*
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
*
This is a limited transaction account. Regulatory limit of six (6) transfers or payments
(preauthorized, automatic, by telephone or from a personal computer) from your savings
account per statement cycle with no more than three (3) being by draft, check, debit
card, or similar order (including POS transactions) to a third party. The preauthorized or
automatic transactions may be initiated by Telephone Banking, Regions Online Banking,
or standing order. See pricing schedule for full details. There is an Excessive Withdrawal/
Item Fee of $3 per withdrawal in excess of 3 per month.
24
Personal Savings Accounts at Regions
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well
as miscellaneous fees that may apply to your account(s).
HIGHLIGHTS OF YOUR
These added benefits are available with your Regions savings account:
I
Free Regions Online Banking with Bill Pay
I
Free Online Statements
I
Installment loan interest rate discount with automatic debit
(subject to credit approval)
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 24
First Choice Money
Market will become:
MONEY MARKET*
First Choice Premier
Money Market will
become:
PLATINUM
RELATIONSHIP
MONEY MARKET*
New name for your
account at Regions
I
No monthly fee with a $2,500 minimum daily
balance.
I
Otherwise, a $10 monthly fee will apply.
I
No monthly fee with a $15,000 minimum
daily balance or with a Preferred Plus Banking
account.
I
Otherwise, a $15 monthly fee will apply.
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
Information about
interest rates:
I
Interest will be paid on your
collected balance.
I
New interest rates and tiers
will apply.
I
Please see the pricing
schedule for more
information.
I
Interest will be paid on your
collected balance.
I
New interest rates and tiers
will apply.
I
Please see the pricing
schedule for more
information.
Additional information:
I
Can be linked to your Regions checking
account for Overdraft Protection.
I
30% discount on Safe Deposit Box
†
rental with an additional 10% discount
for auto debit.
I
Can be linked to your Regions checking
account for Overdraft Protection.
I
30% discount on Safe Deposit Box
†
rental with an additional 10% discount
for auto debit.
*
This is a limited transaction account. Regulatory limit of six (6) transfers or payments
(preauthorized, automatic, by telephone or from a personal computer) from your
money market account per statement cycle with no more than three (3) being by
draft, check, debit card, or similar order (including POS transactions) to a third party.
The preauthorized or automatic transactions may be initiated by Telephone Banking,
Regions Online Banking, or standing order. See pricing schedule for full details. There
is an Excessive Withdrawal/Item Fee of $10 per withdrawal in excess of 6 per month
and each check in excess of 3 per month.
†
Subject to availability
26
Personal Money Market Accounts
at Regions
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well
as miscellaneous fees that may apply to your account(s).
HIGHLIGHTS OF YOUR
PERSONAL SAVINGS 27
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 26
28
I
CDs and IRAs will continue with the same interest rate and term
until maturity.
I
Interest will continue to be credited on the same schedule
as today.
I
If you currently have interest credited back to your CD or IRA, or
automatically deposited into a checking or savings account, or sent
directly to you by check, there will be no changes.
I
At maturity, CDs, including CDs in IRAs, will automatically renew
for the same term at the interest rate in effect at that time, unless
funds are withdrawn.
I
If you had a Certificate of Deposit (CD) that required presentment
in order to make a withdrawal or transfer, you will no longer need to
present the certificate when making a withdrawal or transfer.
I
Regions will automatically replace FirstBank Financial Services
as your IRA custodian/trustee.
I
IRAs with a customer-designated distribution schedule will have
funds distributed from the account earning the lowest interest rate
once the balance in the first account reaches zero. This will allow
your other IRAs to continue to earn interest at a higher rate.
INFORMATION ABOUT SPECIFIC TYPES OF CDs AND IRAs:
I
Your Savers CD will become a CD.
I
Automatic monthly deposits will no longer be accepted.
I
Your Savers IRA will become an IRA.*
I
Automatic monthly deposits will no longer be accepted.
I
Your Senior IRA will become an IRA.*
I
Your interest rate and term will remain in place until maturity.
I
If you are under 59
1
⁄2 years of age, you may not change
your interest rate without penalty.
*
Please note: The type of IRA (Traditional or Roth) will remain the same as your
current type.
Personal Checking Benefits for You
LifeGreen Checking
PFS Checking
Personal Savings
LifeGreen Savings
Certificates of Deposit
Individual Retirement
Accounts (IRAs)
In addition to the personal checking and savings accounts highlighted
in the previous pages, Regions offers the following accounts. Simply
visit your branch, click on regions.com or call us at 1-800-REGIONS
(1-800-734-4667) beginning April 25, if you are interested in opening
or switching to one of these accounts.
Certificates of Deposit (CDs) and IRAs
HIGHLIGHTS OF YOUR
Personal Checking and Savings Options
ADDITIONAL
PERSONAL CHECKING & SAVINGS OPTIONS 29
I
A checking account with free, convenient
e-services.
I
Free when e-services requirements are met;
also free for students and customers age
50 and better.
I
A high interest checking account that pays
interest like a money market.
I
Most miscellaneous services fees are waived
with this premier account.
Benefits for You
I
An account that rewards you for saving.
I
Pays an annual savings bonus when linked to
your Regions checking account.
I
Competitive fixed-rate options.
I
Bonus rates with selected checking products.
I
May be funded with CDs or FDIC-insured
money market accounts.
I
Traditional, Roth, and Coverdell Education
Savings options are available.
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 28
Account Benefits for You
Personal Credit Options
*
For details, visit any branch, click on regions.com or call us
at 1-800-REGIONS (1-800-734-4667).
*
Credit accounts subject to credit approval.
†
Certain conditions apply. Please visit your branch for details on these features. Visa card
access and overdraft protection for checking not allowed in Texas. Regions must receive a
valid real estate lien under Article XVI Section 50(a)(6) of the Texas Constitution.
L
The Regions credit card program is issued and administered by FIA Card Services, N.A.
Service Available at Regions
Regions Private
Banking
Morgan Keegan &
Company
Regions Morgan
Keegan Trust
Specialized Personal Services
††
PERSONAL SERVICES 3130
I
Through Regions Private Banking, relationship
managers provide expertise to individuals,
families and businesses in all areas of wealth
management.
I
By working with financial specialists from
all areas of Regions Financial Corporation,
relationship managers have access to a
comprehensive array of products and services.
I
As a securities brokerage and asset
management subsidiary of Regions Financial
Corporation, Morgan Keegan is one of the
nation’s leading full-service investment firms
with some 300 locations in 19 states.
I
Morgan Keegan financial advisors offer
guidance to individuals, families and
businesses in the areas of wealth
management, retirement planning, tax
solutions, portfolio management and transfer
of wealth.
I
At Regions Morgan Keegan Trust, we
seamlessly combine a flexible suite of
products and services, comprehensive
corporate trustee capabilities and the
investment expertise of a world-class
financial services firm.
I
Trust clients receive the highest level of
service and expertise in estate planning
and other personal trust services; asset
management through our investment advisor
affiliate, Morgan Asset Management; natural
resources and real estate management;
retirement services; all while working with a
full-scale corporate trust firm.
Home Equity Lines of
Credit
Personal Lines of
Credit
Mortgages and
Refinancing
Education Loans
Personal Loans
Credit Cards
L
I
Various financing terms to meet your needs.
I
Convenient card access to your line with a
Platinum Visa Access Card.
†
I
Link your equity line to your checking
account for Overdraft Protection.
†
I
Lock in your current variable line balance
with a fixed-term rate and payment.
†
I
Secured and unsecured options to meet your
financial needs.
I
Can be linked to your checking account for
Overdraft Protection.
I
More choices with more convenient locations
to serve you through Regions Mortgage.
I
More than 150 varieties of loans.
I
More loan officers available to serve you.
I
For students or parents, we can make
applying for an education loan easy.
I
A car, a boat, new furniture, a vacation –
turn to Regions for a full range of personal
loan options with a variety of repayment
choices and one of the quickest approval
processes around.
I
Superior purchasing power and convenience
for all your everyday expenses and big items.
I
Robust WorldPoints
®
rewards program with
Ultimate Access™ benefits.
I
Zero fraud liability.
I
Link your Regions credit card to your
checking account for Overdraft Protection.
††
Please review page 32 for investment disclosures.
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 30
Financial products and services are subject to terms and conditions and may be subject to
credit approval. Eligibility and other restrictions may apply. Regions Private Banking is a
trade name of Regions Bank. Investment services are provided through Morgan Keegan &
Company, Inc., a subsidiary of Regions Financial Corporation and a member FINRA and
SIPC. Trust services are provided through Regions Morgan Keegan Trust, a trade name for the
Trust Division of Regions Bank. Securities and insurance products sold through Morgan Keegan
and Regions Morgan Keegan Trust are not FDIC insured, not a deposit, not an obligation of
or guaranteed by Regions Bank, its affiliates, or any government agency, and may lose value.
Insurance products are not FDIC insured, not a deposit, not an obligation of or guaranteed
by Regions Bank, its affiliates, or any government agency, and may lose value.
Service Available at Regions
32
Solutions for your Business
Regions has more to offer you and your business –
from better everyday banking to streamlining cash
management to building long-term financial
security for you, your family and your employees.
We are the people you can rely on – now and for
years to come – for new ideas and new financial
strategies to help you simplify finances
and grow your business.
We’re here for the long run – and we look forward
to bringing you the resources, strength and
solutions that can help make a genuine difference
for your business and your financial life.
I
Regions Insurance Group is the insurance
brokerage subsidiary of Regions Financial
Corporation and is one of the 20 largest
full-service insurance brokerages in the U.S.
I
Regions Insurance is dedicated to meeting
the insurance needs of our customers. We
have the resources and expertise to serve
as your single source for a wide range of
business and personal insurance services
and products.
I
Our foreign exchange professionals are
experienced and knowledgeable about the
intricacies of fluctuating world currencies.
I
Use our expertise to handle all of your
foreign exchange transaction needs,
including wire transfers in foreign
currencies, foreign drafts, overseas checks,
foreign currency accounts and bank notes.
Regions Insurance
Group
Foreign Exchange
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 32
New name for your
account at Regions
First Choice Free
Business Checking
and
First Choice Business
Economy
and
First Choice
Community Growth
will become:
LIFEGREEN
CHECKING FOR
BUSINESS
First Choice
Commercial Analysis
will become:
BUSINESS
ANALYZED
CHECKING
First Choice Business
Plus will become:
BUSINESS INTEREST
BEARING CHECKING
These added benefits are available with your Regions Business
Checking account:
I
Free Regions Business Visa
®
CheckCard
I
Free Regions Online Banking for Business with Bill Pay
I
24-hour access via regions.com, 1-800-REGIONS and more than
2,300 Regions ATMs
I
Free Online Statements and Check Safekeeping
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
Information about
interest rates:
I
This account does not pay
interest.
I
This account does not pay
interest.
I
Interest will be paid on your
collected balance.
I
New interest rates and tiers
will apply.
Additional information:
34
Business Accounts at Regions
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well as
miscellaneous fees that may apply to your account(s).
HIGHLIGHTS OF YOUR
†
Subject to availability
BUSINESS ACCOUNTS 35
I
Your monthly fee will be waived for six
months beginning April 24, 2009.
I
150 free items per month; $.50 per
additional item.
I
Deposit up to $10,000 in cash and coin per
month at no charge; $.15 per additional $100.
I
See the pricing schedule in the enclosed
Disclosure Booklet
for the balance requirements
and monthly fees that will apply after this time.
I
Competitive earnings credit rate to help
offset potential fees.
I
Float will be assigned.
I
See the Schedule of Fees for Commercial/
Business Analyzed Depository Services in the
enclosed
Disclosure Booklet.
I
Your monthly fee will be waived for
six months beginning April 24, 2009.
I
See the enclosed
Disclosure Booklet
for
information about balance requirements, per
item fees and monthly fees.
I
Unlimited check writing.
I
Check Safekeeping free of charge.
I
30% discount on Safe Deposit Box
†
rental with an additional 10% discount
for auto debit.
I
Optional free LifeGreen Savings for
Business account.
I
You will be automatically enrolled in
Regions Business Essentials Solutions.
I
Unlimited check writing.
I
Ability to link to Treasury Management
Services.
I
Consolidated statement activity on
multiple accounts.
I
30% discount on Safe Deposit Box
†
rental with an additional 10% discount
for auto debit.
I
Unlimited check writing.
I
Image statements free of charge.
I
30% discount on Safe Deposit Box
†
rental with an additional 10% discount
for auto debit.
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 34
New name for your
account at Regions
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
Information about
interest rates:
I
Interest will be compounded daily
and paid quarterly on your
collected balance.
I
New interest rates and tiers will
apply.
I
Interest will be paid quarterly on
your collected balance.
I
New interest rates and tiers will
apply.
Additional information:
I
Can be linked to your Regions
Business Checking account for
Overdraft Protection.
I
30% discount on Safe Deposit
Box
†
rental with an additional
10% discount for auto debit.
I
Competitive interest rate.
I
2 withdrawals or transfers per
month at no charge.
I
Limited transactions – make
up to 6 transfers from your
account per month.
I
Quarterly savings statement.
36
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well
as miscellaneous fees that may apply to your account(s).
BUSINESS ACCOUNTS 37
I
No monthly fee with a $300 minimum daily
balance.
I
Otherwise, a $4 monthly fee will apply.
I
$18 monthly fee.
I
$3 monthly low balance fee if minimum daily
balance or monthly average balance falls
below $200.
I
2 free withdrawals or transfers per month;
$2 per additional withdrawal.
First Choice Savings
(Business Entity)
will become:
BUSINESS SAVINGS*
Public Funds Entities
will become:
PUBLIC FUNDS
STATEMENT SAVINGS
Business Accounts at Regions
HIGHLIGHTS OF YOUR
These added benefits are available with your Regions Business Savings
account**:
I
Free Regions Online Banking with Bill Pay for Business
I
Free Online Statements
**
These benefits do not apply to Public Funds Statement Savings accounts.
†
Subject to availability
*
This is a limited transaction account. Regulatory limit of six (6) transfers or payments
(preauthorized, automatic, by telephone or from a personal computer) from your Business
savings account per statement cycle with no more than three (3) being by draft, check,
debit card, or similar order (including POS transactions) to a third party. The preauthorized
or automatic transactions may be initiated by Telephone Banking, Regions Online Banking,
or standing order. See pricing schedule for full details. There is an Excessive Withdrawal/
Item Fee of $3 per withdrawal in excess of 3 per month.
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 36
New name for your
account at Regions
First Choice
Business Money Market
and
First Choice Business
Premier Money Market
will become:
BUSINESS
MONEY MARKET*
First Choice IOLTA will
become:
INTEREST ON
LAWYERS TRUST
ACCOUNT (IOLTA)
Information about monthly fees and balance
requirements:
HERE’S WHAT’S NEW:
Information about
interest rates:
I
Interest will be paid on your
collected balance.
I
New interest rates and tiers will
apply.
I
Interest on IOLTA accounts is paid
at the discretion of the Bank or
according to the rules of and/or
arrangements with the applicable
state bar organization.
Additional information:
38
This chart summarizes how your account will change when it converts
to the Regions Bank system on April 23, 2009. Please refer to the
enclosed
Disclosure Booklet
for detailed terms and conditions as well as
miscellaneous fees that may apply to your account(s).
BUSINESS ACCOUNTS 39
I
No monthly fee with a $2,500 minimum
daily balance.
I
Otherwise, a $10 monthly fee will apply.
I
25 free deposited items per month; $.50 for
each additional item.
I
Deposit up to $10,000 in cash and coin
per month at no charge; $.15 per additional
$100.
I
Regions Bank recovers the costs of operating
IOLTA accounts through reasonable monthly
fees.
I
Can be linked to your Regions
Business Checking account
for Overdraft Protection.
I
30% discount on Safe Deposit
Box
†
rental with an additional
discount for auto debit.
I
Monthly reports and interest
remitted monthly.
I
Accounts set on analysis.
Business Accounts at Regions
HIGHLIGHTS OF YOUR
*
This is a limited transaction account. Regulatory limit of six (6) transfers or payments
(preauthorized, automatic, by telephone or from a personal computer) from your
Business money market account per statement cycle with no more than three (3) being
by draft, check, debit card, or similar order (including POS transactions) to a third
party. The preauthorized or automatic transactions may be initiated by Telephone
Banking, Regions Online Banking, or standing order. See pricing schedule for full
details. There is an Excessive Withdrawal/Item Fee of $10 per withdrawal in excess
of 6 per month and each check in excess of 3 per month.
†
Subject to availability.
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 38
Business Package
Solutions
Benefits for You
Regions has the financial tools you need to manage your growing
business. We understand the financial issues your business faces,
and we offer you a variety of loan, line of credit and leasing solutions
so your business can continue to grow. At the heart of every Regions
business relationship is an experienced banking professional who
understands the challenges you face. Talk to us about what financing
options are right for your business.
40
Business Credit Solutions
I
For growing businesses with moderate to high
volumes of checking transactions each month.
I
Waived monthly fees based on your account
balances.
Advantage Business
Checking
Business Checking and Savings Options
In addition to the business accounts highlighted in the previous pages,
Regions offers the following accounts. Simply visit your branch, click
on regions.com or call us at 1-800-REGIONS (1-800-734-4667)
beginning April 25, if you are interested in opening or switching to
one of these accounts.
ADDITIONAL
Regions Business
Essentials Solutions
Business Checking
Benefits for You
I
A bundle of checking options, savings and
value added conveniences to fit your unique
banking needs.
I
Comprehensive banking solutions designed to
maximize your business potential and save
you hundreds of dollars.
I
CDs will continue with the same interest rate and term until
maturity.
I
Interest will continue to be credited on the same schedule
as today.
I
If you currently have interest credited back to your CD or
automatically deposited into a checking or savings account,
or sent directly to you by check, there will be no changes.
I
At maturity, your CDs will automatically renew for the same term
at the interest rate in effect at that time, unless funds are
withdrawn.
I
If you had a Certificate of Deposit (CD) that required presentment
in order to make a withdrawal or transfer, you will no longer need
to present the certificate when making a withdrawal or transfer.
Business Certificates of Deposit (CDs)
HIGHLIGHTS OF YOUR
Public Funds
Solutions
Benefits for You
Public Funds Net
Interest Checking
I
An advanced checking solution which utilizes
balances to offset service charges and offers
the potential to earn interest.
Regions Business
Essentials Money
Market
I
Only available to Regions Business Essentials
Solutions clients.
I
A great place to park your excess cash.
I
Low minimum to get started.
BUSINESS ACCOUNT OPTIONS 41
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 40
I
Regions treasury management services offer
flexible collection and payment solutions and
online account management tools you can
access anytime, anywhere.
I
Collection products include wholesale and
retail lockbox, remote deposit capture and
vault services.
I
Payment products include ACH origination,
wire transfers and card-based products to
facilitate specialty payment needs such as
payroll and procurement.
I
Funds management products include
investment and credit line sweep services,
ZBA processing, and RegionsOne consolidated
deposit reporting.
I
Information products include a richly featured
online banking solution and automated data
exchange account reporting services.
I
Boost your sales by accepting all major credit
and debit card products.
I
Wide range of choices in processing methods
such as credit and debit cards, electronic
checks, electronic gift cards and currency
conversion.
I
Customer service and technical support
available 24/7.
I
Convenience of next business day funding.
I
A wide range of risk management and debt
solution products for businesses.
I
Sophisticated hedging and financing products
for companies wishing to:
I
Manage/hedge interest rate or foreign
currency exposure.
I
Obtain financing from a multi-lender
bank group.
I
Acquire permanent mortgage financing from
non-bank sources.
Treasury Management
Services
Merchant Services*
Regions Capital
Markets
Specialized Business Services
42
*
Merchant services are provided by KMS.
BUSINESS SERVICES 43
Service Available at Regions
Commercial and
Industrial Banking
Commercial Real
Estate Banking
Regions Private
Banking
I
Comprehensive financial solutions are provided
through collaboration with various partners,
including Treasury Management and Depository,
Capital Markets, Regions Equipment Finance Co.,
Global Trade Finance, Morgan Keegan and
Regions Insurance.
I
To meet virtually any credit need, Regions offers
expertise in:
I
National Corporate Banking
I
Large Corporate
I
Commercial Middle Market
I
Public, Institutional and Not-for-Profit (PIN)
I
Industry Verticals (Healthcare and
Transportation)
I
Flexible term loans are provided for multiple
uses, including equipment, vehicles, leasehold
improvements, long term working capital, owner-
occupied construction and real estate financing.
I
Lines of credit provide flexible financing for
needs ranging from general purchases to short
term working capital.
I
At Regions Commercial Real Estate, we believe
in building strong, lasting relationships – one
client at a time.
I
In addition to custom loan solutions, these
long-term relationships are a result of
comprehensive financial solutions through
partnering within Regions Capital Markets,
Treasury Management, Morgan Keegan and
Private Banking, in addition to unparalleled
convenience through more than 1,900 offices.
I
Through Regions Private Banking, relationship
managers provide expertise to individuals, families
and businesses in all areas of wealth management.
I
By working with financial specialists from
all areas of Regions Financial Corporation,
relationship managers have access to a
comprehensive array of products and services.
Service Available at Regions
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 42
I
Solutions to expand your operation or lower
your costs through:
I
Acquisition financing
I
Capital expenditures
I
Growth capital
I
Refinancing existing cash flow
I
Turnaround financing
I
Recapitalizations
I
Stock purchases
I
Restructurings
I
Debtor-in-Possession loans
I
Reduce costs, improve efficiency and increase
profits with a comprehensive range of flexible
equipment loan and leasing options.
I
Conserve your valuable capital, improve cash
flow and get the equipment you need with up
to 100% financing.
I
With a team of international banking specialists
and a worldwide network of correspondent
banks, we can help you transact business in
every corner of the world.
I
Our Global Trade Finance experts offer
powerful payment and financing solutions
for U.S. importers and exporters, including
Ex-Im Bank lending programs and online
payment systems.
I
Our dedicated International Operations team
provides specialized support for all of your
trade-related transactions.
I
Regions’ Foreign Exchange trading desk is
one of the most experienced in the
Southeastern U.S.
Regions Business
Capital
Regions Equipment
Finance
Global Trade Finance
Regions Morgan
Keegan Trust
Morgan Keegan &
Company
Morgan Keegan Equity
Capital Markets Group
44
Specialized Business Services
BUSINESS SERVICES 45
I
At Regions Morgan Keegan Trust, we
seamlessly combine a flexible suite of
products and services, comprehensive
corporate trustee capabilities and the
investment expertise of a world-class
financial services firm.
I
Trust clients receive the highest level of
service and expertise in estate planning
and other personal trust services; asset
management through our investment advisor
affiliate, Morgan Asset Management; natural
resources and real estate management;
retirement services; all while working with
a full-scale corporate trust firm.
I
As a securities brokerage and asset
management subsidiary of Regions Financial
Corporation, Morgan Keegan is one of the
nation’s leading full-service investment firms
with some 300 locations in 19 states.
I
Morgan Keegan financial advisors offer
guidance to individuals, families and
businesses in the areas of wealth
management, retirement planning, tax
solutions, portfolio management and transfer
of wealth.
I
Provides award-winning equity research,
institutional trading and investment banking
services, such as corporate finance, mergers
and acquisitions, public and private equity
funding and mezzanine financing for
growing companies.
Service Available at Regions Service Available at Regions
273556 RG catalog.qxd:layout 3/10/09 8:51 AM Page 44
No matter what your financial needs, Regions is
here to help make your financial life easier and
better. We pledge to do our very best to ensure a
smooth transition. And we promise to bring you
more locations, more choices, more services
and more people to help you achieve your
personal or business goals, now and
over the long term.
Welcome
Financial products and services are subject to terms and conditions and may be subject to
credit approval. Eligibility and other restrictions may apply. Regions Private Banking is a
trade name of Regions Bank. Investment services are provided through Morgan Keegan &
Company, Inc., a subsidiary of Regions Financial Corporation and a member FINRA and
SIPC. Trust services are provided through Regions Morgan Keegan Trust, a trade name for the
Trust Division of Regions Bank. Securities and insurance products sold through Morgan Keegan
and Regions Morgan Keegan Trust are not FDIC insured, not a deposit, not an obligation of or
guaranteed by Regions Bank, its affiliates, or any government agency, and may lose value.
Products and services sold by or through Regions Insurance Group are not FDIC insured, not a
deposit, not an obligation of or guaranteed by Regions Bank, its affiliates, or any government
agency, and may lose value.
46
Morgan Keegan Fixed
Income Capital Markets
Regions Insurance
Group
I
Nationally recognized for its expertise in bond
trading, research and underwriting.
I
Regions Insurance Group is the insurance
brokerage subsidiary of Regions Financial
Corporation and is one of the 20 largest
full-service insurance brokerages in the U.S.
I
Regions Insurance is dedicated to meeting
the insurance needs of our customers. We
have the resources and expertise to serve
as your single source for a wide range of
business and personal insurance services
and products.
Service Available at Regions
Specialized Business Services
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If you have questions or need assistance,
please stop by your branch,
call us at 1-800-REGIONS
(1-800-734-4667) or visit regions.com
© 2009 Regions Bank. Member FDIC.
FB
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