You can close a Regions checking account online through your digital banking portal, but Regions requires you to call their customer service line to complete the closure
Regions Bank does not offer a fully online account closure process. You can initiate the closure through your online banking dashboard or mobile app, but a representative must verify your identity and process the final steps over the phone. The phone call typically takes 5 to 10 minutes. Have your account number, Social Security number, and a government-issued ID ready before you call.
Before closing, make sure your account balance is zero. If you have a positive balance, Regions will mail you a check to your address on file, which takes 7 to 10 business days. If your account is overdrawn, you must pay the negative balance first. Any pending transactions or automatic payments linked to the account will be cancelled once closure is complete.
Key Takeaways
- Start the closure request in your Regions online banking account or mobile app, then call 1-800-REGIONS (1-800-734-4667) to finish the process with a representative.
- Your account balance must be zero before closure; Regions mails any remaining funds as a check within 7 to 10 business days.
- Cancel or redirect any automatic payments or direct deposits linked to the account before you close it to avoid missed bills or lost income.
- Closure typically takes effect within 1 to 3 business days after the phone call, though Regions may hold the account open for 30 days to process outstanding checks.
Steps to close your account through online banking
Log into your Regions online banking account on the website or open the Regions mobile app. Navigate to your checking account details and look for a settings or account management menu. Select the option to close or deactivate the account. Regions will ask you to confirm the account you want to close and may prompt you to explain your reason for closing.
After you submit the closure request online, you will receive a confirmation message with a reference number. Write down this number. Within 24 hours, you should receive an email or notification asking you to call Regions to complete the closure. Do not wait for this notification—you can call immediately after submitting the online request to speed up the process.
What to do before you call customer service
Check your account balance and make sure it is exactly zero. If you have money in the account, transfer it to another bank account you own or request a check. If the account is overdrawn, deposit funds to cover the negative balance. Regions will not close an account with an outstanding balance.
Review any automatic payments, bill pay arrangements, or recurring charges tied to the account. Log into the websites of companies that withdraw from this account—utilities, insurance, subscriptions, loan payments—and update them with a new payment method or account number. If you receive direct deposit paychecks or government benefits, update your employer or benefits administrator with your new account information. Stopping these payments mid-stream can result in late fees or missed income.
Gather your account number, the last four digits of your Social Security number, and a government-issued photo ID. Have these ready before you call so the representative can verify your identity quickly.
The phone call to complete closure
Call Regions customer service at 1-800-REGIONS (1-800-734-4667). Tell the representative you want to close your checking account and provide your account number. They will ask you to verify your identity using your Social Security number and may ask security questions based on your account history. Answer honestly and completely—this step protects your account from unauthorized closure.
The representative will confirm that your balance is zero and that no pending transactions are attached to the account. They will then process the closure request. Ask them for a confirmation number and the expected closure date. Most closures take effect within 1 to 3 business days, though Regions may keep the account open for up to 30 days to clear any outstanding checks you may have written.
What happens to your debit card and checks
Your Regions debit card will stop working immediately after closure is processed. If you have checks linked to this account, they will no longer be valid. Destroy any unused checks by shredding them or cutting them in half. If you have already written checks that have not cleared, those transactions may still process during the 30-day hold period Regions maintains after closure.
If you need to order new checks for a different account, you can do so through your new bank or through a third-party check printer. Regions does not charge a fee to close a checking account, so there is no cost to you for this process.
If you cannot close online or by phone
If you do not have online banking access or prefer to close your account in person, visit a Regions branch near you. Bring your government-issued ID and your account number. A branch representative can close your account on the spot, though you will still need to ensure your balance is zero and all automatic payments are redirected first.
If you have questions about your account or encounter problems during closure, Regions customer service is available Monday through Friday, 8 a.m. to 9 p.m. Central Time, and Saturday 9 a.m. to 5 p.m. Central Time. You can also use the secure message feature in your online banking account to contact Regions, though responses may take 1 to 2 business days.
What to do if your account has a negative balance
If your account is overdrawn, you cannot close it until the negative balance is paid. Deposit funds equal to or greater than the overdraft amount into the account. Regions will apply the deposit to the negative balance first. Once the balance reaches zero, you can proceed with the closure request.
If you have overdraft fees attached to the account, those fees are separate from the balance itself. Regions will deduct overdraft fees from your deposit before calculating your final balance. Ask the representative during your phone call to confirm the exact amount you need to deposit to bring the account to zero, including any pending fees.
Frequently Asked Questions
How long does it take for my Regions account to fully close?
Closure typically takes effect within 1 to 3 business days after you complete the phone call with a representative. Regions may hold the account open for up to 30 days to process any outstanding checks you have written. During this period, the account will not accept new deposits or withdrawals.
Will I get my remaining money back if I close my account?
Yes. If your account has a positive balance when you close it, Regions will mail a check to your address on file within 7 to 10 business days. Make sure your mailing address is current before you close the account. If you need the funds faster, transfer the balance to another account before closing.
Can I reopen my Regions checking account after I close it?
Yes, you can open a new Regions checking account at any time. However, if your account was closed due to fraud, excessive overdrafts, or violation of Regions' terms, the bank may deny your application for a new account. Contact Regions directly to understand why your previous account was closed before attempting to open a new one.
What happens to my online banking login after I close my account?
Your online banking login will remain active for 30 to 90 days after closure so you can view your account history and download statements if needed. After that period, your login credentials will be deactivated. Download or print any statements you need before the account fully closes.
Do I have to close my account in person, or can I do it entirely online?
You can start the process online, but you must complete it with a phone call to a Regions representative. If you prefer to close your account entirely in person, visit a Regions branch with your ID and account number. Branch representatives can close your account on the spot without requiring a separate phone call.