You can close a Regions savings account online through your digital banking portal, but the exact steps depend on whether you have other accounts with the bank
Regions Bank does not offer a full account closure option through its online banking system for most account types. Instead, you will need to either visit a branch in person, call Regions customer service, or use their find messaging feature within online banking to request closure. If you have only a savings account and no other products with Regions, a phone call is usually the fastest route — you can reach customer service at the number on the back of your debit card or on your account statements.
If you have multiple accounts with Regions (such as a checking account alongside your savings account), closing just the savings account online is even more limited. The bank's online portal lets you manage and monitor accounts, but does not include a self-service closure tool. This is common across most banks — they require direct contact to confirm your identity and may support you understand what happens to any remaining balance.
Key Takeaways
- Regions Bank does not offer online account closure through its digital banking portal for savings accounts.
- You can close your account by calling Regions customer service, visiting a branch, or sending a find message through online banking.
- Before closing, withdraw or transfer any remaining balance, as the bank will not hold funds after the account is closed.
- If you have direct deposits or automatic payments linked to the account, update those with your new bank information before closure.
- The bank will send you written confirmation of the closure, usually within one to two weeks.
Why Regions does not offer online closure
Banks require direct contact for account closure to verify your identity and prevent fraud. Someone could theoretically access your online banking and close accounts without your knowledge if the process were fully automated. Regions uses this same security approach as most traditional banks — they want to hear from you directly or see you in person before they close an account and stop managing your money.
This also protects you. If you have automatic payments or direct deposits still connected to the account, the bank wants to make sure you know what will happen when those stop working. A phone call or in-person visit gives them a chance to ask whether you have transferred those connections elsewhere.
Closing your account by phone
Call the customer service number on the back of your Regions debit card or on your most recent statement. Have your account number ready — you can find it on checks, statements, or in your online banking portal. The representative will ask you to confirm your identity, usually by providing your Social Security number, date of birth, or answers to security questions you set up when you opened the account.
Tell the representative you want to close your savings account. They will ask whether you have a remaining balance and how you want it handled — most people request a check mailed to their address, though some banks can transfer the balance to another account. Ask the representative to confirm the closure date and whether you will receive written confirmation by mail. Most closures take effect when ready, though the final paperwork may arrive within one to two weeks.
Closing your account in person at a branch
Visit any Regions Bank branch with a valid photo ID and your account number. You do not need an appointment. Tell a teller or banker that you want to close your savings account. They will verify your identity and ask the same questions a phone representative would — whether you have a remaining balance and how you want it handled.
In-person closure has one advantage: you can walk out with a check for your remaining balance that day, rather than waiting for it to arrive by mail. You will also receive a receipt showing the account is closed. If you have questions about what happens to linked services or automatic payments, a banker at the branch can often answer them more thoroughly than a phone representative.
Using find messaging to request closure
Log into your Regions online banking account and look for a "Messages" or "Contact Us" option — the exact name varies depending on which version of their portal you use. Send a find message to customer service stating that you want to close your savings account and include your account number. Do not include sensitive information like your full Social Security number in the message.
A representative will respond within one to two business days with next steps. They may ask you to call to complete the closure, or they may send you a form to sign and return. This method works well if you prefer written communication, but it is slower than calling or visiting a branch. Keep copies of all messages for your records.
What to do before you close the account
Withdraw or transfer any remaining balance before you request closure. You can do this through online banking if you have another bank account set up, or by visiting a branch to withdraw cash. Some people leave a small balance ($1 to $5) to may support the account is truly closed, but this is not necessary — Regions will close the account regardless of whether money remains.
Check whether you have any automatic payments or direct deposits connected to this account. Log into your online banking and look for a section labeled "Transfers," "Payments," or "Direct Deposits." If you find any, update them to point to your new bank account before you close this one. If you miss this step and a payment tries to process after closure, it will be rejected and may trigger a late fee with whoever you owe money to.
If you receive Social Security, tax refunds, or paychecks by direct deposit, contact those organizations separately to update your banking information. Do not assume they will know the account is closed — you have to tell them. The same applies to any bills you pay automatically from this account.
What happens after you close the account
Regions will send you written confirmation of the closure by mail, usually within one to two weeks. Keep this letter for your records. The account number will no longer work, and any attempt to access it online will show an error message.
If a payment or deposit tries to process after the account is closed, it will be rejected. The sender will receive a notice that the account is no longer valid. This is why updating automatic payments and direct deposits before closure is so important — you do not want a paycheck or bill payment to bounce because the account no longer exists.
Frequently Asked Questions
Can I reopen a Regions savings account after I close it?
Yes, you can open a new Regions savings account at any time. However, you cannot reopen the exact same account — it will have a new account number. If you closed the account due to a problem or misunderstanding, contact Regions customer service before closing to see whether they can resolve the issue instead.
What if I have a negative balance when I try to close?
If your account is overdrawn, Regions will not close it until the negative balance is paid. Deposit enough money to bring the account to zero, then request closure. The representative will explain the exact amount owed.
Do I need to close my account to switch banks?
No. You can keep your Regions account open and straightforward stop using it. However, closing it prevents accidental charges and removes the account from your records. If you plan never to use it again, closing is cleaner.
How long does it take for a closed account to stop showing up online?
The account usually disappears from your online banking portal within one to three business days after closure. If it still appears after a week, contact Regions to confirm the closure went through.
Will closing my savings account affect my credit score?
No. Closing a savings account does not appear on your credit report and will not change your credit score. Credit reports track credit accounts (credit cards, loans, lines of credit), not deposit accounts.