You can close a Regions checking account through their online banking portal, by phone, or in person at a branch
Regions Bank does not offer a full account closure option within their online banking interface. Instead, you will need to either call Regions customer service at 1-800-regions (1-800-734-4667) or visit a branch in person to close your checking account. If you choose to call, have your account number ready and be prepared to answer security questions. The process typically takes a few minutes, and Regions will confirm the closure and provide you with a reference number.
Before you close the account, make sure any automatic payments or direct deposits linked to it have been redirected to another account. Checks you have written may still clear after closure, so allow time for outstanding checks to process. If you have a balance remaining, Regions will mail you a check or transfer the funds to another account you specify during the closure call.
Key Takeaways
- Regions does not allow online closure through their website or mobile app; you must call 1-800-regions or visit a branch.
- Stop all automatic payments and direct deposits before closing, or redirect them to your new account to avoid missed transactions.
- Any remaining balance will be mailed to you as a check or transferred to another account you name during the closure process.
- Outstanding checks can clear for up to six months after closure, so allow time for them to process before closing.
- Keep your account number and a government-issued ID ready if you close in person at a branch.
Prepare your account before calling or visiting
Review your account for any pending transactions or scheduled payments. Log into your Regions online banking account and check for automatic bill payments, recurring transfers, or direct deposits. Write down which payments are active and when they are scheduled to occur. If you have set up paycheck direct deposit, contact your employer's payroll department to update your banking information with your new bank account details.
Pay any outstanding balance on the account if it is negative. Regions will not close an account with a negative balance until the debt is settled. If you have a positive balance, decide whether you want it mailed as a check or transferred to another account. Have the routing number and account number of your new bank ready if you plan to transfer the balance electronically.
Call Regions customer service to close your account
Dial 1-800-regions (1-800-734-4667) and select the option for account services or customer service. When you reach a representative, tell them you want to close your checking account. They will ask you to verify your identity by providing your account number, Social Security number, and answers to security questions you set up when you opened the account.
Once verified, the representative will confirm which account you are closing and ask what you want to do with any remaining balance. You can request a check be mailed to your address on file, or provide the routing and account number of another bank account to receive a transfer. The representative will also ask if you have any outstanding checks or pending transactions. After you confirm the details, they will process the closure and give you a confirmation number and the date the account will be closed.
Close your account in person at a Regions branch
Visit any Regions Bank branch during business hours with a government-issued photo ID and your account number. Tell the teller or banker that you want to close your checking account. They will pull up your account and review any pending transactions or automatic payments with you, just as a phone representative would.
Bring a voided check from your new bank account if you want to transfer your remaining balance electronically, or ask the banker to mail you a check instead. The banker will process the closure on the spot and provide you with a written confirmation. This method is faster than calling if you prefer to handle it face-to-face and receive immediate confirmation.
What happens to your remaining balance and outstanding checks
If your account has a positive balance when you close it, Regions will either mail you a check or transfer the funds to another account, depending on what you requested. A mailed check typically arrives within five to seven business days. An electronic transfer to another bank account usually posts within one to two business days, though some banks take longer to receive incoming transfers.
Checks you have written before closing the account can still be presented for payment after the account is closed. Regions will honor checks for up to six months after closure if funds are available. If a check is presented after the account is closed and there are no funds, it will be returned unpaid. For this reason, wait until you are certain all outstanding checks have cleared before closing the account, or contact the payees to confirm they have received and cashed the checks.
Redirect automatic payments and direct deposits
Before closing your account, update any automatic bill payments to use your new bank account. Log into each biller's website or call them directly to change your banking information. Common billers include utilities, insurance companies, loan servicers, and subscription services. Allow at least one billing cycle for the change to take effect, and monitor your new account to confirm the first payment posts correctly.
If you receive a paycheck via direct deposit, contact your employer's human resources or payroll department and provide them with your new bank's routing number and your new account number. Direct deposit changes typically take effect on the next pay cycle, though some employers require one to two pay periods to process the update. During the transition, ask your employer to confirm the new account information has been entered correctly before your next paycheck is deposited.
What to do if you cannot reach customer service
If you call 1-800-regions and experience long wait times, try calling early in the morning or late in the afternoon when call volume is typically lower. Regions customer service hours are generally Monday through Friday, 7 a.m. to 7 p.m. Central Time, and Saturday 8 a.m. to 5 p.m. Central Time. If you cannot reach them by phone, visiting a branch in person is often faster and guarantees you will speak with someone who can close your account immediately.
If you have moved and no longer live near a Regions branch, calling remains your best option. Have all your information ready before you call to speed up the process. If you are closing the account because of a problem with Regions, ask to speak with a supervisor or the customer service manager, who may be able to address your concern or offer alternative solutions.
Frequently Asked Questions
Can I close my Regions checking account if I still have pending transactions?
You can request closure, but Regions may ask you to wait until pending transactions clear. If you have automatic payments scheduled, the representative will advise you to redirect them first. It is safest to wait a few days after your last transaction before closing to avoid complications.
Will closing my Regions account affect my credit score?
No. Closing a checking account does not appear on your credit report and does not affect your credit score. Credit reports track credit accounts like loans and credit cards, not deposit accounts.
What if I have a negative balance when I try to close?
Regions will not close the account until the negative balance is paid in full. You can transfer funds from another account to cover the overdraft, or Regions can deduct the amount from your remaining balance if you have one in another account with them.
How long does it take for my account to be fully closed?
The closure is processed immediately when you call or visit a branch, but it may take a few business days for the account to stop appearing in your online banking. Any remaining balance takes five to seven business days to arrive if mailed as a check, or one to two business days if transferred electronically.
Can I reopen a 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 or repeated overdrafts, Regions may place restrictions on new accounts. Contact Regions directly to discuss your situation if you plan to return as a customer.