Yes, you can unlink your checking account from Regions Bank
You can remove a checking account from your Regions Bank profile at any time through your online banking dashboard or by calling Regions customer service. The process takes a few minutes and does not close your account—it only removes the connection between that account and your Regions login. If you want to close the account entirely, that is a separate step you would need to request after unlinking.
Unlinking is useful if you are consolidating accounts, switching banks, or simply want to clean up accounts you no longer use. Regions does not charge a fee to unlink, and the account itself remains open at Regions unless you specifically ask to close it.
Key Takeaways
- Unlinking removes the account from your Regions login but does not close the account or affect any money in it.
- You can unlink through your online banking dashboard under account settings or by calling Regions customer service at the number on your card.
- Unlinking takes a few minutes and has no fee.
- If you want to close the account entirely, you must request that separately after unlinking.
- Any automatic payments or transfers tied to that account will stop working once you unlink it.
Unlinking through your online banking dashboard
Log into your Regions online banking account and navigate to the account settings or "Manage Accounts" section. Look for the checking account you want to unlink and select the option to remove or unlink it. Regions will ask you to confirm the action—this is your chance to make sure you are removing the right account. Once you confirm, the account is unlinked immediately.
If you cannot find the unlink option in your dashboard, the account may be set as your primary account or may have active transfers or bill payments tied to it. In that case, you will need to either remove those connections first or call Regions to unlink it manually.
Unlinking by phone or in person
Call the customer service number on the back of your Regions debit card or check. Tell the representative you want to unlink a checking account from your online banking profile. Have your account number ready. The representative will verify your identity and process the unlink for you over the phone—this usually takes less than five minutes.
You can also visit a Regions branch in person and ask a banker to unlink the account. Bring a photo ID and your account number. This method is useful if you have questions about what happens to pending transactions or if you want to discuss closing the account at the same time.
What happens to automatic payments and transfers after unlinking
Any bill payments, automatic transfers, or recurring transactions tied to that checking account will stop working once you unlink it. Before you unlink, review your recent transactions and make a list of any automatic payments or transfers that use that account. You will need to set those up with a different account or payment method after unlinking.
If you have a paycheck or government benefit deposit set to go into that account, you will need to update your direct deposit information with your employer or the benefit program before you unlink. Otherwise, your next deposit will fail and you may face delays in receiving money.
The difference between unlinking and closing an account
Unlinking removes the account from your online banking login but leaves the account open at Regions. Your money stays in the account, and you can still access it—you just cannot see it through your regular Regions login anymore. You can relink the account later if you change your mind.
Closing the account is permanent and stops the account from functioning. Regions will freeze the account, and any remaining balance will be sent to you by check or transferred to another account you specify. To close an account, you must request it separately, either through your online dashboard, by phone, or in person at a branch. Some Regions accounts have a waiting period before closure is allowed, or may require you to maintain a minimum balance for a set time.
Unlinking when you have a linked savings account or money market account
If you have linked your checking account to a Regions savings account or money market account for transfers, unlinking the checking account will break that link. You will no longer be able to transfer money between them through your online banking dashboard. If you want to keep the savings account but unlink only the checking account, you can do that—the savings account will remain linked to your profile.
If you have set up overdraft protection using a linked savings account, unlinking the checking account will remove that protection. This means if you overdraw your checking account after unlinking, you will not have the savings account to cover the shortfall. Contact Regions before unlinking if you want to set up a different overdraft protection method.
What to do if you cannot unlink the account yourself
If your online dashboard does not show an unlink option, or if the system tells you the account cannot be unlinked, call Regions customer service. Common reasons an account cannot be unlinked include active bill payments, pending transfers, a hold placed by Regions, or the account being flagged for fraud investigation. A representative can tell you which restriction is in place and what you need to do to remove it.
If you are trying to unlink because you suspect fraud or unauthorized activity on the account, tell the representative immediately. Regions may place a temporary hold on the account while they investigate, which could delay unlinking. Ask what steps you need to take and how long the investigation typically takes.
Frequently Asked Questions
Will unlinking my checking account affect my credit score?
No. Unlinking a checking account does not report to credit bureaus and has no effect on your credit score. Credit bureaus track credit accounts like credit cards, loans, and lines of credit—not checking or savings accounts.
Can I unlink my checking account if I still owe Regions money?
Yes, you can unlink the account. However, if you owe Regions money on a loan or credit card, they may place a hold on the account to prevent you from withdrawing funds. Unlinking does not remove that hold. Contact Regions to discuss your debt before unlinking.
What happens to checks I have already written from this account?
Checks you have already written will still clear from the account even after you unlink it. The account remains open and functional—unlinking only removes it from your online login. Make sure you have enough money in the account to cover any outstanding checks before you unlink.
Can I relink the account later if I change my mind?
Yes. You can relink the account to your Regions online banking profile at any time by going to account settings and selecting the option to add or link an account. You will need to verify the account with Regions, which usually involves confirming small deposits or answering security questions.
Do I need to unlink before I close my account?
No. You can close the account directly without unlinking first. When you close an account, it is removed from your profile automatically. However, if you only want to remove it from your login without closing it, you must unlink it.