Regions Help & Support

Regions Standard Overdraft Coverage is a service we provide on many checking accounts that may cover transactions if you overdraw the available funds in your account. If we make Standard Overdraft Coverage available to you, we may pay your check, ACH and recurring debit card transactions even if you don’t have sufficient available balance in your account, which may result in an overdraft fee.¹ If you opt in to Standard Overdraft Coverage for ATM and everyday debit card transactions, we may authorize and pay your ATM and nonrecurring debit card transactions into overdraft.

Account qualification for Standard Overdraft Coverage, and the amount of coverage we may provide, varies based on several factors including the age of the account. New accounts rarely qualify for Standard Overdraft Coverage immediately upon being opened, even if you already have other accounts that qualify for Standard Overdraft Coverage.

Learn more about how to enroll in Overdraft Protection and Standard Overdraft Coverage.

Still have questions? Read the Consumer Overdraft Quick Guide.

The information presented may be changed without notice, is not an offer or contract, and does not amend any applicable customer agreement, the terms of which govern and control. Please refer to the pricing schedule, the Regions Deposit Agreement or other applicable disclosure for additional details or pricing. All products/services are subject to terms and conditions and may be subject to qualification requirements, credit approval, fees and change.

For accounts opened in Iowa, certain account fees are subject to Iowa State Tax of 6%, which will be assessed at the time the fee is charged, unless exempt.

1. The Paid Overdraft Item fee is $36 and is subject to change (fee for certain commercial accounts may be different). Fees may be imposed for any debit transaction that causes your account to be overdrawn, including by check, in-person or ATM withdrawal, debit card, or withdrawal/transfer by any other manual or electronic means. We reserve the right to require you to pay any overdraft immediately or upon demand. We also reserve the right not to pay overdrafts. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. Standard overdraft coverage opt-in/opt-out options apply only to Regions personal banking customers. The Regions SafeGuard Checking account (currently available only in select markets) is subject to special terms and conditions regarding overdraft options, and those terms and conditions may differ from the information provided on this page and on pages that are linked to this page. SafeGuard Checking customers should refer to the terms and disclosures for the SafeGuard Checking account or talk to a Regions banker for information about overdraft options for SafeGuard Checking. Regions does NOT provide Standard Overdraft Coverage on the Now Checking account.