Yes, you can open a Regions checking account online, but the process stops short of completion

Regions Bank lets you start a checking account process on their website or mobile app without visiting a branch. You can fill in your personal information, choose your account type, and review terms from home. However, you cannot finish the entire process online — at some point you will need to verify your identity in person or through a video call, depending on which account you choose and what information Regions already has on file.

The reason for this step is federal law. Banks must verify that you are who you say you are before opening an account, and Regions uses in-person visits or video verification to meet that requirement. This is not unique to Regions — most banks have the same rule.

Key Takeaways

  • You can begin your Regions checking account process online, but you must complete identity verification either in person at a branch or through a video call.
  • Regions offers several checking account types online, each with different monthly fees, minimum balances, and features — review the options before you start.
  • You will need a government-issued ID, your Social Security number, and proof of your current address to open an account.
  • The entire process from process start to account opening usually takes a few days to a week, depending on how quickly you complete the verification step.

What you need before you start

Gather these documents before you open your browser. You will need a valid government-issued photo ID — a driver's license, passport, or state ID card. You will also need your Social Security number and a document that shows your current address, such as a recent utility bill, lease, or bank statement.

Have your phone or computer ready if you plan to do video verification instead of visiting a branch. Make sure you are in a quiet place with good lighting and a stable internet connection. If you choose to verify in person, you can do this at any Regions branch during business hours.

The online process process

Go to the Regions Bank website and select "Open an Account" or use the Regions mobile app. You will be asked to choose which type of checking account you want — Regions offers several, including basic checking, premium checking, and accounts designed for students or seniors. Each has different features and monthly maintenance fees, so read the descriptions before you choose.

Next, you will enter your personal information: your full name, date of birth, address, phone number, and email. You will provide your Social Security number and answer security questions. Regions will ask about your employment and income, though you can skip these questions if you prefer. Review the account terms and disclosures, then submit your process.

At this point, Regions will tell you what happens next. Some applicants are approved when ready and can move straight to identity verification. Others may be asked to provide additional information or wait while Regions reviews their process — this usually takes less than a day.

How identity verification works

Once your process is approved, you must verify who you are. Regions offers two ways to do this: in-person at a branch, or through a video call with a Regions representative.

For in-person verification, visit any Regions branch with your government ID and proof of address. A staff member will check your documents and complete your account setup. This usually takes 10 to 15 minutes. Your account will be active by the end of the day or the next business day.

For video verification, Regions will send you a link to schedule a call. During the call, you will show your ID and proof of address to a representative on camera. They will ask you to confirm the information you provided in your process. This process also takes about 10 to 15 minutes. Your account will typically be active within one business day.

When you might not be able to verify online

Some applicants are asked to come to a branch in person instead of using video verification. This can happen if Regions cannot verify your identity through their online system, if there are questions about your process, or if you are opening certain account types that require additional steps.

If you are asked to visit a branch, Regions will tell you this in your process status. You can still complete everything else online — you are just completing the final verification step in person. This is not a rejection; it is a normal part of the process for some customers.

What happens after verification

Once your identity is verified, your checking account is officially open. Regions will provide you with your account number and routing number. You can set up direct deposit, transfer money from another bank, or deposit checks using the Regions mobile app.

Your debit card will arrive in the mail within 7 to 10 business days. Until it arrives, you can use your account number to set up direct deposit or make transfers. If you need to withdraw cash before your card arrives, you can visit a Regions branch and withdraw using your ID and account number.

Frequently Asked Questions

Can I open a Regions checking account if I do not have a government ID?

No. Federal law requires banks to verify your identity with a government-issued photo ID. A driver's license, passport, or state ID card will work. If you do not have one, you will need to obtain one before opening an account.

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

The process itself takes 10 to 15 minutes. Approval usually happens within a few hours to one business day. Identity verification adds another 10 to 15 minutes, and your account is active when ready after. Your debit card arrives in 7 to 10 business days.

Do I have to go to a branch, or can I do everything by video?

Most applicants can choose video verification and never visit a branch. However, Regions may require some customers to verify in person. You will know this when you submit your process — Regions will tell you which option is available for your account.

What if I already have a Regions account?

If you already bank with Regions, opening a second checking account is faster. Regions already has your identity verified, so you may be able to complete the entire process online without additional verification. Log into your existing account to see if you can open a new account from there.

Can I use a video call if I do not have a good internet connection?

If video verification is not practical for you, visit a Regions branch in person instead. You will need your ID and proof of address, and the process takes about 15 minutes. This is a straightforward alternative if you prefer not to use video.