Call Regions Bank customer service or visit a branch to close your account
To close a Regions checking account, contact Regions Bank directly by phone, in person, or through your online banking portal. You can reach customer service at 1-800-regions (1-800-734-4667) during business hours, or visit any Regions branch with your ID. The bank will confirm your account details, process any outstanding transactions, and issue a final statement. Most closures are completed within one to three business days, though some banks hold funds for longer if there are pending deposits or checks.
Before you call or visit, make sure you have settled any outstanding balance. If your account is overdrawn, you will need to deposit funds to cover it. Regions will not close an account with a negative balance. You should also redirect any automatic payments or direct deposits that go to this account, since the account number will no longer be active after closure.
Key Takeaways
- Contact Regions at 1-800-734-4667 or visit a branch in person with your ID to start the closure process.
- Pay off any overdraft or negative balance before closing, as Regions will not close an account with money owed.
- Update or cancel automatic bill payments and direct deposits linked to the account before closure takes effect.
- Request a final statement and confirm the account is fully closed to avoid unexpected charges or holds.
- Keep your account number and routing number for your records in case you need to dispute transactions after closure.
Settle your balance and stop automatic transactions first
Any money remaining in your account will be returned to you, but you must handle pending transactions before closure. If you have automatic bill payments set up through this account, log into your online banking or contact each biller directly to redirect payments to another account or payment method. Regions will not close the account until all automatic transactions are stopped or moved elsewhere.
Direct deposits—such as paychecks or government benefits—should also be rerouted. Contact your employer, benefits administrator, or the organization sending the deposit and provide them with your new account information. This usually takes one to two pay cycles to take effect, so plan ahead if you are closing the account soon.
If your account is overdrawn, deposit enough to bring the balance to zero or positive. Regions will not process a closure request on an account with a negative balance. Once the account is settled, you are ready to contact the bank.
What happens to your remaining balance after closure
Any positive balance in your account will be returned to you. Regions typically issues a check mailed to your address on file, though you can ask if they offer other options such as a transfer to another bank account. Request the final balance amount and confirm the mailing address before you hang up or leave the branch.
The bank will send a final statement showing all transactions up to the closure date. Keep this statement for your records, especially if you need to track when the account officially closed or dispute any charges that appear after closure.
Timing and what to expect after you request closure
Closure typically takes one to three business days from the date you request it. However, if there are pending checks, ACH transfers, or other outstanding transactions, Regions may hold the account open longer to ensure those clear. Ask the representative how long they expect the process to take based on your specific situation.
Once the account is closed, you will no longer be able to access it online or use any debit card linked to it. If you have checks printed with this account number, stop using them immediately. Any checks deposited after closure will be rejected, and the funds will be returned to the check writer.
Reasons Regions may delay or refuse closure
Regions will not close an account if there is an outstanding balance owed to the bank. This includes overdraft fees, negative balances, or unpaid service charges. You must bring the account current before closure can proceed.
If there are pending transactions—such as checks you wrote that have not yet cleared, or ACH transfers in progress—Regions may delay closure until those settle. This protects you from overdraft fees and ensures all transactions are accounted for. Ask the bank how long they need to hold the account open.
If the account is linked to a Regions credit card, loan, or other product, you may need to address those separately. Some banks require you to close or transfer linked services before closing the checking account itself.
Closing a joint account or account with a power of attorney
If the account is held jointly, both account holders typically must request closure together or provide written authorization. Contact Regions to confirm their specific policy, as it may vary. If one account holder is deceased, you will need to provide a death certificate and may need to go through probate or estate settlement before closure is allowed.
If someone has power of attorney over the account, that person can request closure on behalf of the account holder, but Regions will verify the power of attorney document. Bring the original or a certified copy to the branch, or mail it to the address Regions provides.
Frequently Asked Questions
Can I close my Regions account online?
Regions does not offer full account closure through their online banking portal. You must call 1-800-734-4667 or visit a branch in person. However, you can use online banking to manage automatic payments and prepare your account before calling to close it.
What if I have a pending check that has not cleared?
Tell Regions about the pending check when you request closure. The bank will typically hold the account open until the check clears, which can take five to ten business days. Once it clears, the account will close automatically, or you can call back to confirm closure.
How long does it take to receive my remaining balance after closure?
If Regions issues a check, it usually arrives within five to seven business days. If you requested a transfer to another account, it may take one to three business days. Ask the bank which method they are using and when you should expect the funds.
Do I need to close my debit card separately?
When you close the checking account, the debit card linked to it will stop working automatically. You do not need to close it separately, but you can request that Regions deactivate it immediately if you are concerned about fraud or loss.
What if I owe Regions money from an overdraft?
You must pay the overdraft balance before Regions will close the account. Contact the bank to confirm the exact amount owed, then deposit funds to cover it. Once the balance is settled, you can proceed with closure.