Yes, you can open most Regions accounts online without visiting a branch

Regions Bank lets you open a checking or savings account entirely through their website or mobile app. You do not need to go to a physical branch, though some account types require a visit or a phone call to complete the process. The online path takes about 10 to 15 minutes if your information is ready.

The accounts you can open online are the basic ones: a standard checking account, a savings account, or a money market account. Regions also offers specialized accounts—such as student checking or accounts tied to investment services—and not all of those are available to open online. Before you start, check which account type fits what you need.

Key Takeaways

  • Regions checking and savings accounts can be opened online through their website or mobile app in about 10 to 15 minutes.
  • You will need a valid government ID, your Social Security number, and proof of your current address to complete the online process.
  • Regions verifies your identity using information from credit bureaus and may ask follow-up questions if something does not match their records.
  • Your account opens when ready after approval, but you cannot deposit money or use the account until you fund it with an initial deposit.
  • Some account types and situations require you to call Regions or visit a branch instead of completing the process online.

What you need before you start

Gather these items before opening your browser: a valid government-issued photo ID (a driver's license, passport, or state ID card), your Social Security number, and a document showing your current address. A recent utility bill, lease, or bank statement works for the address proof. Regions will ask for your date of birth, phone number, and email address as well.

You will also need a way to fund the account. Regions requires an initial deposit to set up most checking and savings accounts. You can link an external bank account and transfer money, use a debit card, or in some cases deposit a check through their mobile app. The minimum deposit varies by account type—some have no minimum, while others require $25 or more. Check the specific account details before you explore.

The online account opening process, step by step

Start at Regions.com or open their mobile app and look for the "Open an Account" button, usually on the homepage. Select the account type you want—checking, savings, or money market. The system will ask for your personal information: name, date of birth, address, phone number, email, and Social Security number.

Regions then verifies your identity using data from credit bureaus and public records. If everything matches, you move to the next step. If something does not line up—a name spelling difference, an old address still on file, a recent move—Regions may ask you to answer security questions or provide additional information. This verification step usually takes a few minutes but can take longer if the system flags something.

Once verified, you choose your account settings: whether you want online banking, a debit card, and which communication methods you prefer (email, text, mail). You review the account terms and conditions, sign electronically, and submit. Your account opens when ready, and you receive a confirmation email with your account number.

When Regions will not let you open an account online

Some situations require you to call or visit a branch instead. If you do not have a Social Security number—for example, if you are a non-citizen resident—you will need to speak with a banker in person or by phone. The same applies if you are under 18; Regions has different rules for minors, and some require a parent or guardian to be present.

If you have had fraud or identity theft issues, or if Regions cannot verify your identity through their standard process, they will ask you to call or come in. Recent immigrants or people with limited credit history may also be directed to a branch. If the online system rejects you, Regions will tell you why and give you the next steps—usually a phone number to call or a branch location to visit.

Funding your new account and using it

Your account is open the moment you finish the online process, but you cannot use it until you deposit money. Link an external bank account and transfer funds, or use a debit card to fund it. If you have a check, you can deposit it through the Regions mobile app using mobile check deposit (available once your account is fully set up).

After your initial deposit clears—usually one to two business days—your account is ready to use. You can set up direct deposit, pay bills online, transfer money between your own accounts, and use your debit card if you requested one. Your debit card arrives by mail within 7 to 10 business days.

What happens if the online process fails

If Regions cannot verify your identity online, you will see a message explaining why and what to do next. Common reasons include a mismatch between the name you provided and what is in their system, an address that does not match recent records, or a Social Security number that does not pull up the expected information.

When this happens, Regions will give you a phone number to call or direct you to a nearby branch. A banker can walk through your information, ask clarifying questions, and complete the account opening over the phone or in person. Bring the same documents you would have used online: your ID, proof of address, and your Social Security number. This process usually takes 15 to 30 minutes.

Frequently Asked Questions

How long does it take to open a Regions account online?

The process takes 10 to 15 minutes if your information is ready and verification goes smoothly. Identity verification is usually when ready, but if Regions has questions about your information, it can take longer. Your account opens when ready after approval, but you cannot use it until you make an initial deposit.

Do I need to visit a branch to open an account?

No, not for standard checking and savings accounts. You can complete the entire process online through the website or app. Some account types and situations do require a branch visit or phone call, and Regions will tell you if yours does.

What if I do not have a Social Security number?

You will need to open your account by phone or in person. Call Regions or visit a branch with your ID and proof of address. Regions can use an Individual Taxpayer Identification Number (ITIN) or other identification in some cases, but the process must happen with a banker.

Can I open an account if I have been denied before?

It depends on why you were denied. If it was due to a verification issue or incomplete information, you can try again. If it was due to fraud or ChexSystems (a banking history report), you will need to call Regions to discuss your situation. A banker can explain what happened and whether you can open an account.

What is the minimum deposit to open a Regions account?

It varies by account type. Some Regions accounts have no minimum deposit requirement, while others require $25 or more. Check the details of the specific account you want before you start the online process.