Yes, you can open most Regions Bank accounts online from start to finish

Regions Bank lets you open a checking or savings account entirely online without visiting a branch. You'll need a valid government ID, a Social Security number, and a way to fund the account—either a debit card, another bank account, or a wire transfer. The process takes about 10 to 15 minutes, and your account is usually active the same day or within one business day.

Not every account type is available online. Money market accounts and some specialty products require a phone call or branch visit. If you're opening a joint account, both account holders must be present online during the application, and both need valid IDs and Social Security numbers.

Key Takeaways

  • Regions Bank allows online account opening for checking and savings accounts, with approval typically the same day or next business day.
  • You will need a valid government-issued ID, Social Security number, and a funding source such as a debit card or existing bank account.
  • Joint accounts require both account holders to complete the application together with their own IDs and Social Security numbers.
  • Some account types, including money market accounts, cannot be opened online and require a phone call or branch visit.

What you need before you start

Gather these items before opening your browser. You'll need a valid government-issued ID—a driver's license, passport, or state ID card. Regions will ask you to verify information from the ID during the application, so have it in front of you. You'll also need your Social Security number.

For funding, you have three options: a debit card (Visa or Mastercard), login credentials for another bank account (to link and transfer money), or a wire transfer. If you're using a debit card, have the card number, expiration date, and CVV ready. If you're linking another account, you'll need the routing number and account number from that bank.

If you're under 18, you cannot open an account online. A parent or guardian must visit a Regions branch in person with you and a valid ID for both of you.

The online application step by step

Go to the Regions Bank website and select "Open an Account." You'll choose the account type—checking, savings, or money market (though money market will redirect you to call or visit a branch). Enter your email address and create a password for your online banking login.

Fill in your personal information: full name, date of birth, address, phone number, and Social Security number. Regions will ask you to verify your identity by answering questions based on your credit history. These questions use information only you should know, like previous addresses or loan details. Answer as accurately as possible; too many wrong answers will stop the application.

Next, you'll enter your funding method. If using a debit card, provide the card details. If linking another bank account, enter the routing and account numbers. Review the account terms and disclosures, then sign electronically. Your application is submitted at this point.

How long approval takes and when you can use the account

Most applications are approved instantly or within a few hours. You'll receive an email confirmation with your new account number. Your account is usually ready to use the same day, though it may take up to one business day for the account to appear in your online banking portal.

If your application is pending, you'll see a message saying Regions is reviewing it. This typically means they need to verify information or conduct additional checks. You may receive a call or email asking for clarification. Pending applications usually resolve within 24 hours.

If your application is denied, Regions will send you a letter explaining why. Common reasons include identity verification failure, a problem with your funding source, or information that doesn't match their records. You can call Regions at 1-800-637-7648 to ask about reapplying or to clarify what went wrong.

Opening a joint account online

Both account holders must complete the application together. The primary account holder starts the application as described above. When prompted, they'll add the joint owner's information: name, date of birth, address, phone number, and Social Security number.

The joint owner will then receive an email with a link to verify their identity. They must click that link and answer identity verification questions on their own. Both people must complete this step for the account to be approved. The process is the same as a single-account application, just split between two people.

After approval, both account holders can log in to online banking using their own email addresses and passwords. Both have full access to the account and can make deposits, withdrawals, and transfers.

What happens if you need to fund the account after opening it

You don't have to fund the account during the application. If you skip the funding step, your account opens with a zero balance. You can add money later by transferring from another bank account, depositing a check through the Regions mobile app, or visiting a branch to make a cash deposit.

If you want to fund it after opening, log into your online banking account, select your new account, and choose "Transfer Money" or "Link Account." You can then transfer from another bank account or add a debit card. Transfers from other banks typically take one to three business days to appear in your Regions account.

Account types you cannot open online

Regions Bank does not allow online opening for money market accounts, CDs (certificates of deposit), or IRAs. If you want one of these accounts, you'll need to call Regions at 1-800-637-7648 or visit a branch in person. A banker can walk you through the requirements and help you choose the right product for your needs.

Business accounts also require a phone call or branch visit. You'll need to provide an Employer Identification Number (EIN), business license, and other documentation that cannot be verified online.

Frequently Asked Questions

What if my identity verification fails during the application?

If you answer the security questions incorrectly, the application will stop. Wait 24 hours, then try again. If it fails a second time, call Regions at 1-800-637-7648 and ask to verify your identity by phone. A banker can complete the application with you over the phone or schedule a branch visit.

Can I open an account if I don't have a Social Security number?

No. Regions requires a Social Security number or Individual Taxpayer Identification Number (ITIN) for all account holders. If you have an ITIN, you may be able to open an account by calling or visiting a branch, though policies vary by location.

What if the debit card I'm using to fund the account gets declined?

The application will stop and ask you to try a different payment method. Use another debit card, link a bank account instead, or fund the account after opening it. If you're having trouble, call Regions at 1-800-637-7648 and ask a banker to help you complete the application.

Do I need to visit a branch after opening my account online?

No. You can manage your account entirely online or through the Regions mobile app. You only need to visit a branch if you want to deposit cash, get a debit card in person, or handle a transaction that requires a banker's help.

Can I change my account type after opening it online?

You can convert between checking and savings accounts by calling Regions or logging into online banking and selecting "Manage Account." Some conversions happen instantly; others take one business day. You cannot convert to a money market account or CD online—you'll need to call or visit a branch.