How to close your Regions checking account

You can close a Regions checking account by calling Regions customer service, visiting a branch in person, or using online banking if the option is available in your account settings. The fastest method is usually a phone call to the number on the back of your debit card or on your Regions statement. You will need to have your account number ready, and Regions will ask you to confirm your identity before processing the closure.

Before you close the account, make sure any automatic payments or direct deposits tied to that account number are stopped or redirected. Regions typically does not automatically transfer these, and missing a payment can damage your credit or result in late fees. You should also withdraw or transfer any remaining balance, though Regions will mail you a check for funds left in the account after closure if you do not collect them in person.

Key Takeaways

  • Call the customer service number on your debit card or statement to close your account by phone, or visit a Regions branch in person with your ID.
  • Stop or redirect any automatic bill payments and direct deposits before closing, because Regions will not move these to another account automatically.
  • Withdraw your remaining balance in person or request that Regions mail you a check after the account closes.
  • Ask Regions to confirm the account is closed and request written confirmation if you need it for your records.

Steps to close your account by phone

Call the Regions customer service number listed on the back of your debit card or on your most recent statement. Have your account number, Social Security number, and a form of ID ready. The representative will verify your identity by asking security questions or confirming personal information on file.

Tell the representative you want to close the account. They will ask whether you want to withdraw your balance in person at a branch, have it mailed to you as a check, or transfer it to another bank account. If you choose a check, provide your current mailing address and confirm it is correct. The representative will give you a confirmation number and tell you when the account will close—usually within one to five business days.

Closing your account in person at a branch

Visit any Regions branch with a government-issued ID and your debit card or account number. Tell a teller you want to close your checking account. They will verify your identity and ask how you want to handle your remaining balance. You can withdraw cash on the spot, request a check, or transfer the funds to another account.

The teller will process the closure and give you a receipt with a confirmation number. Ask them to write down the date the account will close and whether there are any remaining steps you need to take. If you have automatic payments or direct deposits set up, mention this to the teller so they can note it in your file.

What to do with automatic payments before closing

Log into your Regions online banking or mobile app and review all automatic bill payments and recurring transfers linked to this account. Write down each one, including the company name, payment amount, and payment date. Contact each company or service separately to stop the automatic payment or change it to a different bank account.

Do the same for direct deposits. Contact your employer's payroll department or the organization sending the deposit and provide them with your new account number if you have one, or tell them to stop the deposit. This step is critical because a missed payment can result in late fees, service interruptions, or damage to your credit score. Do not rely on Regions to notify these companies—you are responsible for updating them.

Handling your remaining balance

Before you close the account, check your balance online or by calling Regions. If you have money in the account, you have three options: withdraw it in cash at a branch, request a check by mail, or transfer it to another bank account during the closure process.

If you choose the check option, Regions will mail it to the address you provide. This usually takes five to ten business days after the account closes. Keep the confirmation number from your closure request in case the check does not arrive or you need to track it. If you transfer the funds to another account, make sure you have the correct routing number and account number for the receiving bank to avoid delays.

Confirming the account is closed

After you close the account, log into your Regions online banking a few days later to confirm the account no longer appears in your account list. If it still shows up, call customer service to verify the closure went through. Some accounts take a few business days to fully disappear from the system.

Keep your confirmation number and any written confirmation from Regions for your records. If you closed the account in person, keep the receipt the teller gave you. If you closed it by phone, write down the date, time, representative's name, and confirmation number in case you need to reference the closure later.

What happens to your debit card

Your Regions debit card will stop working once the account is closed, usually within one to five business days. You do not need to do anything special with the card—it will simply be declined if you try to use it. For security, you can cut it up and throw it away, or you can keep it until it expires naturally.

If you have a Regions credit card or other accounts with Regions, closing your checking account will not affect those. Only the checking account you requested to close will be closed.

Frequently Asked Questions

Can I close my Regions account online?

Regions does not currently offer account closure through their website or mobile app. You must call customer service or visit a branch in person to close your account. This is a security measure to prevent unauthorized closures.

Will I be charged a fee to close my account?

Regions does not charge a fee to close a checking account. However, if your account has a negative balance or outstanding fees at the time of closure, Regions will deduct those from your remaining balance or may pursue collection.

How long does it take to close a Regions checking account?

The account usually closes within one to five business days after you request closure. If you request a check for your remaining balance, the check will be mailed after the account closes and typically arrives within five to ten business days.

What if I have pending transactions when I close my account?

Pending transactions may still process after you close the account. Regions will cover them if your balance is sufficient, or the transaction may be declined. Contact Regions if you are unsure whether a pending transaction will go through before you close the account.

Can I reopen a closed Regions checking account?

You can open a new Regions checking account at any time, but you cannot reopen the exact same account once it is closed. The old account number will not be reactivated. You will need to open a new account with a new account number.