You can close a Regions savings account through online banking, by phone, or in person at a branch
Regions Bank does not offer a full account closure option through their online banking portal. You will need to either call Regions customer service at 1-800-regions (1-800-734-6267) or visit a branch in person to close your savings account. The phone route is fastest if you have your account number and ID ready—the call typically takes 10 to 15 minutes.
Before you close, make sure your account balance is zero. If you have money in the account, you can transfer it to another bank account (yours or someone else's) using an external transfer, or ask Regions to mail you a check. Any pending transactions or automatic deposits linked to that account number will fail after closure, so update those with your new account details first.
Key Takeaways
- Regions does not allow online closure through their website or mobile app—you must call 1-800-regions or visit a branch.
- Your account balance must be zero before closure; transfer or withdraw remaining funds first.
- Update any automatic deposits or bill payments linked to the account before you close it, or they will be rejected.
- Closure typically takes effect within one to three business days after you request it.
- Keep your final statement or confirmation number for your records in case questions arise later.
Closing by phone with Regions customer service
Call 1-800-regions (1-800-734-6267) and tell the representative you want to close your savings account. Have your account number, Social Security number, and a government-issued ID available. The representative will verify your identity, confirm your account balance is zero, and process the closure request on the spot.
Ask the representative for a confirmation number and note the date and time of the call. The account will close within one to three business days. If you have a remaining balance, the representative can walk you through transferring it to another account or requesting a check by mail.
Closing in person at a Regions branch
Visit any Regions Bank branch with your ID and ask to close your savings account. Bring your account number if you have it, though the teller can look it up with your name and ID. The teller will verify your balance is zero and process the closure immediately. You will receive a receipt confirming the closure.
This method works well if you have a remaining balance and want to withdraw cash on the spot, or if you prefer to handle it face-to-face. Branch hours vary by location, so check the Regions website for your nearest branch and its hours before you go.
What happens to linked services when you close
Any automatic bill payments, direct deposits, or recurring transfers tied to your Regions savings account will fail once the account closes. Contact each company or service that uses this account—your employer for direct deposit, your utility companies, subscription services, or anyone else—and provide them with your new account number at least a week before closure.
If you miss updating a service, the payment will be rejected and may trigger a late fee from that company. You are responsible for notifying all parties; Regions will not do this for you. Check your account settings in online banking to see which services are linked before you call to close.
Handling a remaining balance or pending transactions
If your account still has money in it, you have three options: transfer it to another bank account using Regions' external transfer feature, withdraw it in cash at a branch, or ask Regions to mail you a check. External transfers typically take one to three business days. Checks mailed by Regions can take five to seven business days to arrive.
If you have pending transactions—a check you wrote that has not cleared, or a debit card charge that is still processing—wait for those to post before closing. Once the account closes, any pending items may bounce or be rejected. Ask the Regions representative or teller how long to wait based on what transactions are outstanding.
After your account is closed
Once closed, you cannot reopen the same account. If you want to bank with Regions again, you will need to open a new account. Closed accounts remain on your banking history, which may show on your ChexSystems report (a banking history database used by most banks). This does not prevent you from opening accounts elsewhere, but some banks review closure history as part of their decision process.
Keep your confirmation number and the date of closure for your records. If a company claims you still owe money on the account, or if a charge appears after closure, you will have proof of when it was closed. Request your final statement from Regions if you do not receive one automatically within 30 days.
Frequently Asked Questions
Can I close my Regions savings account if I have a negative balance?
No. You must bring your account to zero or positive before closure. If your account is negative, you owe Regions that amount. Contact Regions to discuss payment options before attempting to close. They may freeze the account until the balance is settled.
What if I have a debit card linked to my Regions savings account?
The debit card will stop working once the account closes. If you want to keep using a Regions debit card, link it to a different Regions account before you close this one. Otherwise, contact Regions to request a new card for your new account, or simply stop using it.
How long does it take for a Regions savings account to fully close?
Closure typically takes one to three business days after you request it. If you close in person at a branch, the account is usually closed that same day. By phone, it may take up to three business days. You will receive a confirmation number either way.
Will closing my Regions savings account hurt my credit score?
Closing a savings account does not directly affect your credit score because savings accounts do not report to credit bureaus. However, if the account had a negative balance that went to collections, that could appear on your credit report. Otherwise, closure has no credit impact.
Can someone else close my Regions savings account for me?
No. Only the account owner can request closure. If you have power of attorney or are an authorized signer, you may be able to close it, but Regions will verify your authority. Call ahead to ask what documentation you need to bring.