Regions LifeGreen Checking costs $8/month, waived with any single direct deposit or a Regions credit card purchase. The waiver is one of the easiest at any US regional bank. LifeGreen Simple Checking ($5/month) provides a no-overdraft-fee alternative. Both accounts have access to ~1,900 Regions ATMs in the 15-state Southeast footprint.
Key facts: $8/month waived with one direct deposit or one credit card purchase; routing number 062000019.
Regions Checking Options
| Account | Monthly Fee | Waiver | OD Fee | Best For |
|---|---|---|---|---|
| LifeGreen Checking | $8 | 1 DD or 1 Regions CC purchase | $36/item | Most customers |
| LifeGreen Simple | $5 | None | $0 (declined) | OD-prone customers |
| Regions Now | $0 | None | $0 | Limited-feature account |
LifeGreen Checking: The Primary Account
Included features:
- Visa debit card (contactless-enabled)
- Zelle — instant person-to-person transfers
- Bill pay — full online and app bill payment
- Mobile check deposit — via the Regions mobile app
- Direct deposit (routing: 062000019)
- Account alerts — balance, transaction, and security notifications
- Free standard checks on first order
Fee waiver — two ways to qualify:
- Any one direct deposit: Payroll, Social Security, disability, pension, or other qualifying ACH credit. No minimum dollar amount.
- Any one Regions credit card purchase: One transaction on any Regions-issued credit card per statement cycle.
If you have a Regions credit card and use it for any purchase, the checking fee is automatically waived every month — even without a direct deposit at Regions.
LifeGreen Simple Checking: No Overdraft Fee Option
LifeGreen Simple is designed for customers who want overdraft certainty:
- $5/month: Cannot be waived
- No overdraft fees: Transactions that would overdraft are declined at point of sale
- No NSF fees: Returned items carry no fee
- All standard features: debit card, Zelle, mobile deposit, bill pay
When it makes sense: If you overdraft even once at a bank charging $36/item, that’s 7+ months of LifeGreen Simple fees. Customers who average one overdraft per quarter save money with Simple.
Overdraft Policy on LifeGreen Checking
Regions charges $36 per overdraft item, capped at 3 fees per day ($108 maximum). No grace period is offered on standard LifeGreen Checking.
Overdraft protection options:
- Linked savings transfer: Regions transfers from your LifeGreen Savings to cover overdrafts at no fee per transfer
- Overdraft line of credit: A credit line covers overdrafts; interest applies
- Decline all: Request that all transactions be declined when insufficient funds are available
ATM Network
Regions operates ~1,900 ATMs in its 15-state footprint. Out-of-network ATM fee: $3 per transaction. No reimbursement on LifeGreen or Simple checking.
For comparison, Fifth Third has 50,000+ ATMs and Huntington has ~1,600. Regions’ ATM footprint is concentrated in the Southeast.
Zelle at Regions
Standard Regions Zelle limits:
- $1,000/day sending
- $5,000/30 days
Transfers send from the Regions mobile app or online banking. Zelle payments are instant when both parties are enrolled. Regular bank ACH transfers take 1–3 business days.
Regions LifeGreen vs. Wells Fargo Everyday Checking
| Feature | Regions LifeGreen | Wells Fargo Everyday |
|---|---|---|
| Monthly fee | $8 | $10 |
| Fee waiver | 1 DD or 1 CC purchase | $500 DD or $1,500 balance |
| Overdraft fee | $36 | $35 |
| ATMs | ~1,900 | 11,000+ |
| Branches | 1,250 (South, Midwest) | 4,700 (nationwide) |
Regions wins on fee and waiver ease. Wells Fargo wins on ATM network and national branch reach.
See also: Regions Bank review | Regions savings account | Regions Bank fees | Regions routing number
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy