The fastest way to close your account is to call Regions Bank directly or visit a branch in person
Regions Bank does not offer account closure through their online banking portal. You have two options: call their customer service line at 1-800-regions (1-800-734-4667) during business hours, or walk into any Regions Bank branch with a valid ID. A representative can close your account on the spot or within a few business days, depending on whether you call or visit. You will need to know your account number, though the bank can look it up by your Social Security number if you do not have it handy.
Before you close the account, make sure any pending transactions have cleared and that you have moved your direct deposits and automatic payments elsewhere. Regions will not close an account with an outstanding balance or pending holds, so resolve those first. If you have a debit card linked to the account, it will stop working once the account closes.
Key Takeaways
- Call 1-800-regions or visit a branch in person to close your account; online closure is not available.
- may support all pending transactions have cleared and move direct deposits and automatic payments to another account before closing.
- Regions will not close an account that has an outstanding balance or pending holds.
- Your debit card will become inactive once the account is closed, so plan your payment methods in advance.
What to do before you call or visit the branch
Review your last few statements to confirm there are no pending transactions still processing. Regions typically takes one to three business days to clear checks and transfers, so if you wrote a check recently or initiated a wire transfer, wait until it shows as complete before closing. An outstanding balance—even a small one—will block closure.
Update your direct deposits with your employer or benefit provider. If your paycheck, Social Security, or other regular deposits go to this account, you will need to provide your new account information to the source. This usually takes one to two pay cycles to take effect, so do this well before closing the account.
Redirect any automatic payments (utilities, insurance, loan payments, subscriptions) to your new bank account. Log into each service's website or call them to update your banking details. If you forget to move a payment, it will fail and may trigger a late fee or service interruption.
What happens to your debit card and checks
Your Regions debit card will stop working when ready or within 24 hours of closure. Do not rely on it after you close the account. If you have checks linked to this account, they will bounce if deposited after closure, so retrieve any unused checks from your home or office and destroy them.
If you have pending checks that you wrote but have not yet cleared, contact the people or businesses you wrote them to and ask them to wait or provide a new payment method. Alternatively, you can ask Regions to hold the account open for a short period while those checks clear, though this is not may provide.
Timing and what to expect after closure
Closure typically takes effect within one to three business days of your request, depending on whether you call or visit in person. If you visit a branch, the representative may close it when ready and provide written confirmation. If you call, you will receive a confirmation number and should ask for written confirmation to be mailed or emailed to you.
After closure, you will no longer be able to access the account online or through the Regions mobile app. Any remaining balance will be mailed to you as a check, usually within five to seven business days. Keep your confirmation number and any documentation until you receive the final check and confirm the balance is correct.
If you have a linked savings account or credit card
Closing a checking account does not automatically close a linked savings account or Regions credit card. You will need to close those separately if you want them closed as well. Call the same number or visit the branch and specify which accounts you want to close.
If you have automatic transfers set up between your checking and savings accounts, those will stop once the checking account closes. Update any recurring transfers to your new bank account if you want them to continue.
What to do if you have an outstanding balance or hold
If Regions is holding funds due to a dispute, fraud investigation, or unpaid overdraft fees, the bank will not close the account until the hold is resolved. Contact customer service to find out why the hold is in place and what you need to do to clear it. This might mean paying an overdraft fee, providing documentation for a disputed transaction, or waiting for an investigation to complete.
If the hold is due to an unpaid overdraft, you will need to deposit funds to cover the negative balance before closure can proceed. Ask the representative how much you owe and whether you can pay it over the phone or must visit a branch.
Frequently Asked Questions
Can I close my account online?
No. Regions Bank requires you to close accounts by phone or in person at a branch. You cannot initiate closure through online banking or the mobile app.
What happens to my direct deposits after I close the account?
Direct deposits will fail and bounce back to the source (your employer or benefit provider). You must update your banking information with them before closing the account, or they will not know where to send your money.
How long does it take to receive my remaining balance after closure?
Regions mails a check for any remaining balance within five to seven business days of closure. Keep your confirmation number so you can follow up if the check does not arrive within two weeks.
Will closing my Regions checking account affect my credit score?
No. Closing a checking account does not appear on your credit report and does not affect your credit score. Only credit accounts (credit cards, loans) impact your credit history.
What if I have pending checks that have not cleared yet?
Contact the people or businesses you wrote checks to and ask them to hold off depositing until you provide a new payment method. Alternatively, ask Regions to keep the account open temporarily while those checks clear, though this is not may provide.