The main ways to withdraw from Regions savings
You can withdraw money from a Regions savings account at an ATM, through a teller at any Regions branch, by transferring funds to a linked checking account, or by requesting a wire transfer. The fastest option is usually the ATM or branch visit—both are immediate. Transfers between your own accounts take one business day. Wire transfers take one to two business days and cost a fee, typically $15 to $30 depending on whether the transfer is domestic or international.
Regions operates over 1,300 ATMs across the Southeast and beyond. If you use an ATM outside the Regions network, you will pay an out-of-network fee—usually $2.50 to $3.50 per transaction, plus any fee the other bank charges. Withdrawals at a Regions branch teller are always free and have no daily limit, though the teller may ask for ID.
Your daily ATM withdrawal limit is set by Regions and typically ranges from $500 to $1,000, depending on your account type and history. You can request a higher limit by calling Regions customer service or visiting a branch. Some accounts allow you to set your own limit within Regions' maximum.
Key Takeaways
- ATM withdrawals are immediate and free at any Regions ATM, but subject to a daily limit that usually falls between $500 and $1,000.
- Withdrawing at a Regions branch teller is free, requires ID, and has no daily limit.
- Transfers to a linked checking account take one business day and are free.
- Wire transfers take one to two business days and cost $15 to $30, depending on whether the transfer is domestic or international.
- Out-of-network ATM withdrawals charge you a fee from both Regions and the other bank, typically $2.50 to $3.50 total.
Using an ATM to withdraw cash
Insert your debit card, enter your PIN, select "Withdrawal," choose your account (savings), and enter the amount. The ATM will dispense cash and print a receipt. The transaction posts immediately to your account. If the ATM is a Regions machine, there is no fee. If it belongs to another bank, you will see the fee amount on the screen before you confirm—you can cancel at that point if you choose.
If your card is lost or stolen, you can still withdraw cash at a Regions branch by providing a government-issued ID and your account number. Call Regions immediately to report the card so it cannot be used by someone else. Regions will typically deactivate it within minutes.
If an ATM keeps your card, do not leave the machine. Call the number displayed on the screen or call Regions customer service right away. Regions can often retrieve the card or issue a replacement within one to three business days.
Withdrawing at a Regions branch
Walk into any Regions branch during business hours, tell the teller you want to withdraw from your savings account, and provide your ID and account number. You can withdraw any amount—there is no daily limit at the teller window. The teller will count out the cash, give you a receipt, and the transaction posts immediately.
If you do not have your debit card, bring a government-issued ID such as a driver's license or passport. If you do not have ID, some branches may allow a withdrawal if you can answer security questions or provide other proof of identity, but policies vary by location. Call ahead if you are unsure.
Regions branches are typically open Monday through Friday from 9 a.m. to 5 p.m., and Saturday mornings from 9 a.m. to 1 p.m., though hours vary by location. You can find your nearest branch and its hours on the Regions website or by calling 1-800-REGIONS.
Transferring savings to checking or another account
Log into your Regions online banking or mobile app, select your savings account, and choose "Transfer Funds." Select the destination account (your Regions checking account or another linked account), enter the amount, and confirm. The transfer will post within one business day. This method is free and does not count against your ATM withdrawal limit.
You can also call Regions customer service at 1-800-REGIONS and request a transfer over the phone. Provide your account numbers and the amount. The transfer will still take one business day to complete.
Regions allows you to link external accounts from other banks. Once linked and verified (which takes two to three business days), you can transfer money to those accounts as well. Transfers to external accounts may take one to two business days and may incur a fee depending on the receiving bank.
Wire transfers from your savings account
Wire transfers move money out of your savings account to another bank account, usually for larger amounts or time-sensitive payments. You can initiate a wire at a Regions branch, by phone, or through online banking. You will need the recipient's bank name, account number, and routing number. Domestic wires typically cost $15 to $20. International wires cost $30 to $50 and take one to two business days.
Wire transfers are generally irreversible once sent. Confirm all recipient details before you authorize the transfer. If you make a mistake, contact Regions immediately—they may be able to recall the wire, but success is not may provide and depends on whether the receiving bank has already processed it.
Some Regions accounts limit the number of wire transfers you can make per month. Check your account terms or call customer service to confirm your limit before you initiate a wire.
Daily withdrawal limits and how to increase them
Regions sets a daily ATM withdrawal limit to protect your account from fraud. The standard limit is $500 to $1,000, but it varies by account type. Premium or higher-tier accounts may have higher limits. You can check your limit by logging into online banking, calling customer service, or visiting a branch.
To increase your daily limit, call Regions at 1-800-REGIONS or visit a branch in person. Explain that you need a higher limit and why (for example, a large planned purchase or travel). Regions may increase it temporarily or permanently depending on your account history and the reason. Temporary increases usually take effect immediately; permanent increases may take one to two business days.
If you need to withdraw more than your daily limit in a single day, visit a branch teller instead. Teller withdrawals have no daily cap and are free. Alternatively, you can make multiple ATM withdrawals on different days to stay within your limit.
What to do if a withdrawal fails or is reversed
If an ATM rejects your withdrawal, the most common reasons are insufficient funds, a frozen account, a technical error, or a card issue. Check your account balance through online banking or by calling customer service. If your balance is sufficient, the ATM may have had a temporary malfunction—try a different ATM or visit a branch.
If your account is frozen, Regions will have sent you a notice by mail or email. Contact customer service to find out why and what you need to do to unfreeze it. Freezes usually happen due to suspected fraud, a security concern, or a legal hold.
If you withdrew cash and later notice the transaction was reversed or the amount was wrong, contact Regions within 30 days. Bring your receipt if you have it. Regions will investigate and correct the error, usually within five to ten business days.
Frequently Asked Questions
Can I withdraw money from my Regions savings account without a debit card?
Yes. Visit a Regions branch with a government-issued ID and your account number. The teller will verify your identity and process the withdrawal. You can also call customer service to arrange a wire transfer to another account you control.
What happens if I exceed my daily ATM withdrawal limit?
The ATM will reject the transaction if you try to withdraw more than your daily limit in a single day. You can withdraw up to the limit, then make another withdrawal the next day. Or visit a branch teller, where there is no daily limit.
How long does a wire transfer from Regions take?
Domestic wire transfers typically take one business day. International wires take one to two business days. The exact timing depends on the receiving bank's processing speed. Wires sent before 2 p.m. ET usually process the same day; wires sent after that may not process until the next business day.
Is there a fee to transfer money from my Regions savings to my Regions checking?
No. Transfers between your own Regions accounts are free and take one business day. There is no limit on how many transfers you can make per month between your own accounts.
What should I do if an ATM keeps my card?
Call the number on the ATM screen or call Regions customer service immediately. Do not leave the machine unattended. Regions can often retrieve your card or issue a replacement within one to three business days. In the meantime, you can withdraw cash at a branch with your ID.