The main ways to withdraw from a Regions savings account

You can withdraw money from a Regions savings account through an ATM, at a branch in person, by transferring it to a checking account, or by requesting a cashier's check. The fastest method depends on how much you need and when you need it. ATM withdrawals happen when ready but have daily limits. Branch withdrawals let you take out larger amounts same-day. Transfers to your own checking account take one business day. Cashier's checks take longer but work when you need to send money to someone else.

Regions sets daily ATM withdrawal limits, which vary by account type and your account history. Most savings accounts allow between $500 and $1,000 per day at ATMs, though you can request a higher limit by calling your branch. If you need more than your daily limit, visiting a branch in person removes that restriction for that single day.

Key Takeaways

  • ATM withdrawals are when ready but limited to a daily cap that typically ranges from $500 to $1,000 depending on your account.
  • Visiting a Regions branch in person lets you withdraw larger amounts the same day without hitting the ATM daily limit.
  • Transferring money to your own Regions checking account takes one business day and has no withdrawal limit.
  • You can request a temporary increase to your daily ATM limit by calling your branch or visiting in person.
  • Cashier's checks take two to three business days to issue and work when you need to send money by check.

Using an ATM to withdraw cash

Insert your debit card, enter your PIN, select "Withdrawal," choose your savings account, and enter the amount. The ATM will dispense the cash and print a receipt. The money leaves your account when ready. You can use any Regions ATM without a fee, and most ATMs in the Allpoint network also work without a charge. Using an out-of-network ATM typically costs $2 to $3.

Your daily ATM withdrawal limit is the main constraint. Regions does not publish a single limit across all accounts — it depends on your account type, how long you have held the account, and your banking history with Regions. If you hit your limit and need more cash that day, you must visit a branch. If you know you will need more than your usual limit on a specific day, call your branch ahead of time to request a temporary increase.

Withdrawing at a Regions branch

Walk into any Regions branch with your debit card or account number and a photo ID. Tell the teller you want to withdraw from your savings account and how much. They will verify your identity, process the withdrawal, and hand you the cash. This takes about five to ten minutes. There is no daily limit for in-person withdrawals, so you can take out as much as you need in a single transaction.

Branch hours vary by location. Most Regions branches are open Monday through Friday from 9 a.m. to 5 p.m., with limited Saturday hours at some locations. You can find your nearest branch and its hours on the Regions website or by calling 1-800-REGIONS. If you need cash outside branch hours, an ATM is your only option.

Transferring to a checking account

If you have a Regions checking account, you can move money from savings to checking through online banking, the Regions mobile app, or by calling customer service. Log into your account online, select "Transfer Money," choose your savings account as the source and your checking account as the destination, enter the amount, and confirm. The transfer posts to your checking account the next business day. Once the money is in checking, you can withdraw it when ready using your debit card or by visiting a branch.

This method works well if you do not need the cash when ready but want to move money before a weekend or holiday. It also bypasses ATM daily limits entirely. If you do not have a Regions checking account, you can open one at a branch or online, though that adds a step to the process.

Requesting a cashier's check

Visit a Regions branch and ask the teller for a cashier's check drawn on your savings account. Provide the payee name (who the check is written to), the amount, and your ID. The teller will prepare the check, deduct the amount from your savings account, and give you the check. Most branches issue cashier's checks the same day, though some may need one business day. Regions typically charges $10 to $15 for a cashier's check, though this varies by branch.

Cashier's checks are useful when you need to send money to someone and want the security of a bank-issued check rather than a personal check. The recipient can deposit it at their own bank. If you need the check mailed to you or to the payee, ask the teller about mailing options — this usually adds two to three business days.

Understanding withdrawal limits and holds

Federal Regulation D historically limited savings account withdrawals to six per month, though this rule was suspended in 2020 and has not been reinstated. Regions does not currently enforce a withdrawal limit on the number of times you can withdraw per month. However, if you withdraw very frequently — for example, multiple times per day — Regions may contact you to confirm the activity is legitimate, or may restrict the account if the pattern suggests fraud.

If you have a hold on your account due to a large deposit, pending check, or fraud investigation, Regions may restrict withdrawals until the hold clears. Holds typically last one to five business days. If you need to withdraw during a hold, contact your branch to ask whether the hold covers your entire balance or only part of it.

What to do if you cannot withdraw

If your ATM card is not working, visit a branch with your ID and account number. The teller can process a withdrawal without the card. If your account is frozen or restricted, Regions will have sent you a notice explaining why. Common reasons include suspected fraud, a negative balance, or a legal hold. Call the number on your account statement or visit your branch to understand the restriction and what you need to do to restore access.

If you have lost your debit card and need cash before a replacement arrives, go to a branch with your ID. The teller can withdraw money from your savings account on the spot. Regions will mail a replacement card within five to seven business days, though you can request expedited shipping at some branches for a fee.

Frequently Asked Questions

How much can I withdraw from my Regions savings account in one day?

At an ATM, your daily limit is typically $500 to $1,000, though it varies by account type. At a branch in person, there is no daily limit — you can withdraw as much as you have in the account. If you need more than your ATM limit, visit a branch or call ahead to request a temporary increase.

Does Regions charge a fee to withdraw money?

Withdrawals from your own Regions savings account are free at Regions ATMs and branches. Using an out-of-network ATM costs $2 to $3. Requesting a cashier's check costs $10 to $15. Transfers between your own Regions accounts are free.

How long does it take to transfer money from savings to checking?

Transfers between your own Regions accounts post the next business day. If you transfer on a Friday, the money arrives in checking on Monday. Once it arrives, you can withdraw it when ready using your debit card or at a branch.

What if I need to withdraw money after the bank closes?

Use a Regions ATM or an ATM in the Allpoint network, both of which work 24/7. ATM withdrawals are subject to your daily limit. If you need more than your limit outside business hours, you will have to wait until the branch opens.

Can I withdraw money if my debit card is lost or expired?

Yes. Go to a Regions branch with your ID and account number. The teller can process a withdrawal without your card. A replacement card will arrive by mail within five to seven business days.