You can close a Regions checking account through their online banking portal, by phone, or in person at a branch

Regions Bank does not offer a full account closure option within their online banking system. Instead, you have three routes: call Regions customer service at 1-800-regions (1-800-734-6467), visit a branch in person with your ID, or start the process online by transferring your balance out and then contacting the bank to formally close the account. The fastest method is usually a phone call, which takes about 10 minutes and requires your account number and Social Security number to verify your identity.

Before you close, make sure any pending transactions have cleared—checks you wrote, automatic bill payments, or direct deposits. Regions will not close an account with an outstanding balance, whether positive or negative. If your account is overdrawn, you must pay the balance first. If you have a positive balance, Regions can transfer it to another account you own or issue a check.

Key Takeaways

  • Regions does not have an online account closure tool, so you must call 1-800-734-6467 or visit a branch to formally close your account.
  • Your account must have a zero balance before Regions will close it—pay any overdraft or transfer out any remaining funds.
  • Stop or confirm the status of all automatic payments, recurring transfers, and direct deposits before closing to avoid failed transactions.
  • Keep your account open for at least 30 days after your last transaction to allow pending items to clear.
  • Request written confirmation of the closure and note the date, in case billing issues arise later.

Steps to close your account by phone

Call Regions customer service at 1-800-734-6467. Have your account number, Social Security number, and government-issued ID information ready. The representative will verify your identity and ask why you are closing the account—this is routine and does not affect the closure.

Tell the representative you want to close your checking account. They will confirm your current balance and ask how you want to handle any remaining funds. If you have money in the account, you can request a check, a transfer to another bank account, or a transfer to another Regions account you own. If the account is overdrawn, you will need to pay the balance before the closure can be processed.

Ask the representative for a confirmation number and the expected closure date. Regions typically closes accounts within 5 to 10 business days after the call, though the exact timeline depends on whether pending transactions are still processing. Request that they email or mail you written confirmation of the closure.

Steps to close your account in person

Visit any Regions Bank branch with your government-issued ID and your debit card or account number. Tell the teller you want to close your checking account. They will pull up your account, confirm your balance, and walk you through the same options as a phone closure: transfer funds, receive a check, or leave a positive balance in another account.

In-person closures are often faster than phone closures because the teller can process the request when ready and hand you a receipt on the spot. If you have a negative balance, the teller will tell you the amount due and may accept payment right there. Ask for written confirmation of the closure before you leave the branch.

What to do before you close

Review your account for any pending transactions. Log into your Regions online banking portal and check the last 30 to 60 days of activity. Look for checks you wrote that may not have cleared yet, automatic bill payments scheduled for the coming weeks, and any recurring transfers. Contact your billers to update your payment method before closing the account, or wait until those payments clear before you proceed.

If you have direct deposit set up—paychecks, government benefits, or other regular deposits—update your employer or benefits administrator with your new bank account information. Regions will not accept deposits to a closed account, and they will be returned to the sender. This can delay your pay or benefits by several days.

Transfer your balance to your new bank account if you are switching banks. You can do this through an external transfer in Regions online banking, or ask your new bank to pull the funds via ACH. Wait at least one business day for the transfer to complete before closing the Regions account.

What happens after you close your account

Regions will send you a final statement showing the closure date and any remaining activity. Keep this statement for your records. If you closed the account with a positive balance that you requested as a check, the check will arrive by mail within 7 to 10 business days. If you requested a transfer to another account, that transfer may take 1 to 3 business days to appear.

After closure, you will no longer be able to log into that account through Regions online banking. Any debit card linked to the account will stop working. If you have a safe deposit box or other services tied to this account, contact Regions to handle those separately—closing a checking account does not automatically close other products.

If a check or payment tries to post to the closed account after closure, Regions will return it unpaid. Make sure all your billers have updated payment information before the account closes. If a bill payment fails because the account is closed, you may face a late fee from your biller, so follow up with them to confirm they received your new payment method.

Timing and what to expect

Account closures take 5 to 10 business days from the date you request them. During this window, Regions is processing any remaining transactions and clearing your account. Do not close your account when ready before an expected deposit or payment—wait until those items have posted and cleared.

If you have a negative balance, the closure will be delayed until you pay it. Regions may also place a hold on the account if there are disputes or pending investigations. In rare cases, Regions may refuse to close an account if there is an outstanding balance or unresolved issue.

Frequently Asked Questions

Can I close my Regions checking account online without calling?

No. Regions does not have an online closure tool in their banking portal. You must call 1-800-734-6467 or visit a branch in person. You can transfer your balance out online, but you still need to contact Regions directly to formally close the account.

What if I have a negative balance in my account?

Regions will not close an account with an overdraft. You must pay the negative balance first, either by transferring funds in, depositing a check, or paying by phone. Once the balance is zero or positive, you can proceed with closure.

How long does it take for my check to arrive after I close my account?

If you requested a check for your remaining balance, it will arrive by mail within 7 to 10 business days. If you requested a transfer to another bank account, it typically takes 1 to 3 business days. Keep your account open during this time in case the check or transfer fails.

Will closing my Regions account hurt my credit score?

No. Closing a checking account does not affect your credit score. Credit scores are based on credit history—loans, credit cards, and payment history. Checking accounts do not appear on your credit report.

What if I have automatic payments set up on this account?

Contact your billers at least two weeks before closing to update your payment method. If a payment tries to post after the account closes, it will be returned unpaid, and your biller may charge you a late fee. Confirm with each biller that they received your new information before the closure date.