How to close a Regions Bank account

You can close a Regions Bank account by calling their customer service line, visiting a branch in person, or using online banking if the option is available for your account type. Regions does not charge a fee to close an account. Before you close, withdraw or transfer any remaining balance, set up forwarding for direct deposits and automatic payments, and confirm the account is empty. The process typically takes a few business days to complete, though some accounts close immediately at a branch.

The key is to move your money out first and redirect any payments tied to the account before you request closure. If you skip this step, deposits may fail, bills may not pay, and you could face fees from other companies. Once you initiate closure, the account becomes inactive within a few business days and cannot be reopened under the same account number.

Key Takeaways

  • Call Regions customer service at 1-800-637-7455 during business hours to close your account by phone, or visit a branch with your ID and account information.
  • Move money out first: withdraw your balance, redirect direct deposits to another account, and cancel or move automatic bill payments before closing.
  • Closing an account does not affect your credit score, but leaving it open with a zero balance costs nothing and keeps the account history on your record.
  • If you have outstanding checks or pending transactions, wait for them to clear before closing to avoid overdraft fees or returned payments.
  • Regions will send you written confirmation of the closure, which you should keep for your records.

Call customer service or visit a branch

The fastest way to close a Regions account is by phone. Call 1-800-637-7455 during business hours and tell the representative you want to close the account. Have your account number and a form of ID ready. They will verify your identity, confirm your balance, and process the closure. If your account has a balance, they will ask how you want the money sent—usually by check mailed to your address on file, or by transfer to another bank account.

If you prefer to close in person, visit any Regions branch with your ID and account information. A teller can close the account immediately and handle the balance the same way. This is useful if you want to withdraw cash or have questions about pending transactions. Branch hours vary by location, so check the Regions website or call ahead to confirm.

Move your money and redirect payments before closing

Before you initiate the closure, withdraw or transfer your entire balance. If you leave money in the account after closing, Regions will send it to you by check, which takes longer than a direct transfer. Log into your online banking or mobile app to see the exact balance, including any pending deposits or fees that have not yet posted.

Update any direct deposits that go to this account. Contact your employer's payroll department or the organization sending the deposit and provide them with your new account number at another bank. This usually takes one to two pay periods to take effect, so make the change well before you close the account.

Review your automatic payments. Log into your online banking and look for recurring bill payments, subscription charges, or transfers set up on this account. Cancel them or move them to another account. If you miss this step, payments may fail and you could face late fees from the companies you owe.

Wait for checks and pending transactions to clear

If you have written checks that have not yet cleared, or if you are waiting for a deposit to post, delay closing the account until those transactions complete. Closing an account with outstanding checks can cause them to bounce, which results in a returned check fee from both Regions and the recipient's bank.

Check your recent transactions in online banking to see if anything is still pending. Debit card purchases, wire transfers, and ACH payments can take one to three business days to settle. Wait until the transaction history shows them as complete before you close.

What happens after you request closure

Once you request closure, Regions will process it within a few business days. If you closed at a branch, the account may close the same day. If you closed by phone or online, expect the closure to be final within three to five business days. During this time, the account remains open but inactive—no new transactions can be made.

Regions will mail you written confirmation of the closure to the address on file. Keep this letter for your records. If you do not receive it within two weeks, call customer service to confirm the closure went through.

Consider whether you actually need to close

Closing an account does not hurt your credit score. However, keeping an old account open with a zero balance has a small benefit: it preserves your account history and increases the total age of your credit accounts, which can slightly help your credit profile over time. Regions does not charge a monthly fee just to keep an account open with no balance, so there is no cost to leaving it.

If you are closing because of poor service or high fees, consider whether switching to a different account type at Regions might solve the problem instead. Some Regions accounts have lower fees or better features. If you are closing because you are moving to another bank entirely, the closure is permanent—you cannot reopen the same account number later.

If you cannot reach customer service

If you call the main line and wait times are long, try visiting a branch in person instead. Branches often have shorter waits and can close your account on the spot. You can find branch locations and hours on the Regions website.

If you have a problem during closure—for example, if a pending transaction is holding up the process—ask to speak with a supervisor or the branch manager. They can sometimes override standard procedures or investigate the hold-up.

Frequently Asked Questions

Will closing my Regions account hurt my credit?

No. Closing a bank account does not affect your credit score. Your credit is based on borrowing and repayment history, not on which bank accounts you have. Closing a credit card or loan account can have a small effect, but closing a checking or savings account has none.

What if I have a negative balance when I try to close?

Regions will not close an account with a negative balance. You must pay the overdraft amount first. Call customer service or visit a branch, deposit money to cover the negative balance, and then request closure. Once the account is positive or zero, the closure can proceed.

Can I close my account online?

Regions does not offer account closure through their online banking portal for most account types. You must call 1-800-637-7455 or visit a branch. Some specialized accounts may have different procedures, so ask when you call.

How long does it take to get my money after I close?

If you request a check, Regions will mail it to your address on file within five to seven business days. If you arrange a transfer to another bank account during the closure call, the money typically arrives within one to three business days, depending on the receiving bank.

What if I change my mind after closing?

Once an account is closed, you cannot reopen it under the same account number. If you want to bank with Regions again, you will need to open a new account. The closure is permanent, so make sure before you request it.