You can close a Regions checking account by phone or in person, but not online

Regions Bank does not offer account closure through its website or mobile app. To close your checking account, you will need to call Regions customer service at 1-800-regions (1-800-734-6267) or visit a branch in person. The phone route is faster if you know what you want to do — the call typically takes 10 to 15 minutes — while a branch visit works if you have questions or need to handle other banking matters at the same time.

Before you call or go in, make sure you have a plan for any money still in the account and any automatic payments or direct deposits linked to it. Regions will not close the account until the balance is zero, and you will need to redirect your paycheck or other regular deposits elsewhere.

Key Takeaways

  • Regions requires you to close checking accounts by phone (1-800-734-6267) or in person at a branch — the website and mobile app do not have a closure option.
  • Your account balance must be zero before Regions will close it, so you need to withdraw or transfer all remaining money first.
  • You must stop or redirect any automatic payments, direct deposits, or recurring charges tied to the account before closure.
  • If you have a debit card linked to the account, ask Regions whether it will be deactivated when ready or if you need to destroy it yourself.
  • Closing takes effect the same day you request it by phone, though it may take a few business days for the account to fully disappear from your online banking.

What to do with your money before closing

Empty the account completely before you call or visit. You can transfer the balance to another bank account you own — at Regions or elsewhere — or withdraw it as cash. If you withdraw cash, bring a form of ID to the branch or use an ATM if you have a debit card.

If the account has a small balance and you are closing because you no longer use it, the simplest move is often to transfer everything to your primary checking account at Regions (if you have one) or to another bank where you already bank. This takes one to two business days if you use an external transfer, or it can be when ready if both accounts are at Regions.

Stopping payments and redirects before you close

Any automatic bill payments, recurring charges, or direct deposits tied to this account need to be moved or cancelled. If you do not redirect them, they will fail once the account closes, and you may face late fees or missed payments.

Log into your Regions online banking and review the account for any standing instructions. Look for automatic transfers, subscription charges, or payroll deposits. For each one, either update it to point to a different account or cancel it entirely. This usually takes a few minutes per payment. If you are unsure whether something is set up on this account, call Regions before you close it — they can tell you what is active.

How to close by phone

Call Regions customer service at 1-800-734-6267. Have your account number ready, though the representative can look it up with your Social Security number and date of birth. Tell them you want to close your checking account.

The representative will confirm that your balance is zero and that you have no outstanding holds or pending transactions. They will ask why you are closing (this is optional to answer) and may offer to keep the account open or move you to a different product. If you are certain you want to close, say so clearly. The closure takes effect when ready, though it may take a few business days for the account to stop appearing in your online banking.

How to close in person at a branch

Visit any Regions branch with your ID and your account number (or the debit card linked to the account). Tell the teller you want to close your checking account. They will verify that the balance is zero and process the closure on the spot.

This route is useful if you have questions about what happens to your debit card, if you want to move money in person, or if you are closing multiple accounts at once. The branch can also print a confirmation of the closure for your records.

What happens to your debit card

When you close the account, the debit card linked to it will no longer work. Regions will typically deactivate it automatically, but you should confirm this with the representative when you close. If they say you need to destroy the card yourself, cut it up or shred it so the card number is not readable.

If you have set up online bill pay using this debit card at other websites, you will need to update those accounts with a different payment method before the account closes. Otherwise, your next payment attempt will fail.

Timeline and what to expect after closure

The account closes the same day you request it. However, it may take two to five business days for the closure to fully process and for the account to disappear from your online banking login. During this time, do not attempt to use the debit card or make transfers to the account.

If you need a record of the closure for your files, ask for a written confirmation when you close by phone or in person. You can also log into your online banking after a few days and check whether the account still appears — once it is gone from your account list, the closure is complete.

Frequently Asked Questions

Can I reopen a Regions checking account after I close it?

Yes. You can open a new Regions checking account at any time by visiting a branch, calling customer service, or using the Regions website. There is no waiting period. However, if you closed the account because of a problem with Regions, opening a new one will not change that — you may want to consider a different bank instead.

What if I have a pending check or transfer that has not cleared yet?

Wait until all pending transactions have cleared before you close the account. You can see pending items in your online banking. If you close the account while a check is still processing, it may bounce, and you could face fees. Call Regions if you are unsure whether something is still pending.

Do I lose my transaction history after I close the account?

No. You can still view your transaction history in Regions online banking for a period after closure, usually 12 months or longer. If you need records for taxes or other reasons, read or print your statements before you close the account to be safe.

Will closing my account hurt my credit score?

Closing a checking account does not affect your credit score. Credit scores are based on credit accounts like credit cards and loans, not on checking or savings accounts. You can close a checking account without any impact on your credit.

What if I owe Regions money or have an overdraft?

Regions will not close the account until you pay off any negative balance or overdraft fees. If you owe money, you will need to deposit funds to bring the balance to zero before closure. If you dispute the charges, contact Regions customer service to discuss your options before you attempt to close.