Close your Regions account by phone, in person, or online depending on your account type

Regions Bank lets you close most checking and savings accounts by calling their customer service line at 1-800-regions (1-800-734-6267), visiting a branch in person, or using online banking if your account type supports it. The fastest method is usually a phone call — you'll confirm your identity, move any remaining money out, and the account closes within one to five business days. In-person closures at a branch happen immediately, though you may wait for an available banker.

Before you close, make sure you've stopped any automatic payments or direct deposits tied to the account. Regions won't close an account with pending transactions, and if money is still flowing in or out after closure, it can create problems with your employer's payroll system or with bills you thought were paid. Check your last few statements and your online banking dashboard for anything still linked to the account.

Key Takeaways

  • Call 1-800-regions to close by phone, visit a branch to close in person, or use online banking if your account supports it.
  • Move all remaining money to another account before closing, and stop any automatic payments or direct deposits first.
  • Account closure takes one to five business days by phone or mail, but happens immediately if you close in person at a branch.
  • Ask for written confirmation of closure and keep it for your records in case a payment or deposit arrives after the account is closed.
  • If you have a loan or credit card with Regions, closing a checking or savings account does not affect those accounts.

What to do before you call or visit

Pull up your most recent Regions statement and your online banking history. Look for any automatic bill payments, recurring transfers, or direct deposits still connected to the account. Common ones are payroll deposits, insurance payments, utility bills, loan payments, or subscriptions. You'll need to update each one with a new account number or payment method before closing.

Transfer any remaining balance to another bank account — yours or someone else's. Regions won't hold money after an account closes, so if you leave a balance, you'll have to contact them later to retrieve it. If you have overdraft protection linked to another Regions account, that protection ends when you close the account.

If you have pending checks that haven't cleared yet, wait for them to post before closing. Once the account is closed, checks written against it will bounce, and you'll face returned-check fees from both Regions and the recipient's bank.

Closing by phone

Call 1-800-regions (1-800-734-6267) during business hours — typically Monday through Friday, 8 a.m. to 9 p.m. Central Time, and Saturday 9 a.m. to 5 p.m. Central Time. Have your account number and a form of ID ready. The representative will verify your identity, confirm that no automatic payments are pending, and ask why you're closing (this is optional to answer).

The representative will tell you the account will close within one to five business days. Ask them to email or mail you written confirmation of the closure, including the date it takes effect. This protects you if a payment or deposit arrives after closing — you'll have proof the account was already closed.

After you hang up, log into your online banking to confirm the account no longer appears in your account list. This usually happens within 24 hours but can take up to five business days.

Closing in person at a Regions branch

Bring your ID and debit card or checkbook to any Regions branch. Tell the banker you want to close the account. They'll pull up your account, confirm there are no pending transactions, and process the closure on the spot. If you have a remaining balance, they can give you a cashier's check, transfer it to another account, or hand you cash.

Ask for a written closure confirmation before you leave the branch. The banker will print or write one for you. Keep it with your records — if a payment or deposit hits the account after closure, you'll have proof the account was already closed when it arrived.

The account is closed immediately, but it may take 24 to 48 hours to disappear from your online banking dashboard.

Closing through online banking

Not all Regions account types can be closed online. Log into your online banking and look for an account settings or account management section. If a "close account" option appears, you can start the process there. You'll confirm your identity and review any pending transactions.

If you don't see a close account option, your account type requires a phone call or in-person visit. This is common for accounts with linked services, business accounts, or accounts with credit products attached.

What happens after you close

Regions will send you a final statement showing the account balance and closure date. This arrives by mail within 10 to 14 business days. Keep it for your tax records and as proof the account is closed.

If a payment or deposit arrives after closure, Regions will return it to the sender. The sender's bank may charge them a returned-deposit or returned-payment fee. If it's your paycheck, your employer will contact you asking for a new account number. If it's a bill payment you thought you'd stopped, contact the biller to confirm it was received and processed before the account closed.

Closing a checking or savings account does not affect any Regions credit cards, loans, or lines of credit you have. Those accounts remain open and active unless you close them separately.

If you have a Regions loan or credit card

Closing a deposit account (checking or savings) does not close a loan or credit card. If you have an auto loan, mortgage, personal loan, or credit card with Regions, those accounts stay open. You can still make payments on them, and they'll continue to report to credit bureaus.

If you want to close a credit card or pay off a loan, that's a separate process. Call the number on your statement or log into online banking to access those accounts directly.

Frequently Asked Questions

Can I reopen a Regions account after I close it?

Yes, you can open a new account at any time. However, if you closed due to overdrafts or other issues, Regions may review your ChexSystems report (a banking history database) before approving a new account. If you were flagged for fraud or repeated overdrafts, opening a new account may be denied or require a waiting period.

What if I have a pending check that hasn't cleared yet?

Wait for the check to clear before closing the account. Once the account closes, any checks written against it will bounce. If you've already closed and a check arrives, contact Regions — they may be able to honor it if the closure is very recent, but this is not may provide.

Will closing my account hurt my credit score?

No. Closing a checking or savings account does not affect your credit score. Credit bureaus only track credit products like loans and credit cards, not deposit accounts. Closing a Regions checking account has no impact on your credit.

What if I closed my account but a direct deposit still went in?

Regions will return the deposit to your employer's bank. Your employer will be notified of the returned deposit and may contact you for a new account number. Contact your payroll department immediately with your new banking information to prevent missed paychecks.

Do I need to close my account in the same state where I opened it?

No. You can close your account by phone from anywhere, or visit any Regions branch in any state where Regions operates. You do not need to return to the branch where you opened the account.