Regions Bank LifeGreen Checking costs $8/month, waivable with a $1,500 daily balance or $500/month in direct deposits. Other fees include $3 per out-of-network ATM withdrawal, up to $36 per overdraft, and $25 per outgoing domestic wire. Regions Now Checking is the lowest-cost option at $5/month with no overdraft fees.
Regions Bank Fee Schedule 2026
| Fee Type | Amount | Notes |
|---|---|---|
| LifeGreen Checking monthly | $8 | Waived: $1,500 daily balance OR $500/mo DD |
| Regions Now Checking monthly | $5 | No waiver available |
| Prestige Checking monthly | $18 | Waived: $5,000 daily balance |
| Premium Checking monthly | $25 | Waived: $25,000 combined balance |
| Student Checking | $0 | Age 16–25, full-time student |
| OON ATM fee (Regions) | $3.00 | Plus ATM operator surcharge |
| In-network ATM fee | $0 | Regions ATMs + Allpoint |
| Foreign transaction fee | 3% | International debit purchases |
| Overdraft fee | $36 | Max 3/day ($108/day) |
| Overdraft protection transfer | $12 | From linked savings |
| Outgoing domestic wire | $25 | Standard rate |
| Incoming domestic wire | $15 | — |
| Outgoing international wire | $45 | — |
| Stop payment | $36 | — |
| Returned item | $36 | — |
| Paper statement | $2/month | Free with e-statements |
Monthly Fee Waiver Options by Account
| Account | Fee | Waiver Option |
|---|---|---|
| LifeGreen Checking | $8 | $1,500 daily balance OR $500/mo direct deposit |
| Regions Now Checking | $5 | No waiver |
| Prestige Checking | $18 | $5,000 daily balance |
| Premium Checking | $25 | $25,000 combined balance |
| Student Checking | $0 | No fee — for ages 16–25 |
For most customers: LifeGreen Checking is the best standard account — the $8 fee is easily waived with direct deposit, and it includes full features including overdraft protection and Zelle.
Overdraft Fee Deep Dive
Regions charges $36 per overdraft item with a maximum of 3 fees per day ($108 daily cap). Options to reduce overdraft exposure:
| Option | Cost | How it Works |
|---|---|---|
| Overdraft protection (savings) | $12/transfer | Linked savings account covers shortfall |
| Overdraft protection (line of credit) | Interest only | Linked credit line covers shortfall |
| Regions Now Checking | No OD fee | Transactions simply decline |
| Real-Time Alerts | Free | Text/email alerts before you overdraft |
Regions does not charge a fee if your account is overdrawn by $5 or less.
ATM Fee Comparison
| Bank | OON ATM Fee | OON Reimbursement |
|---|---|---|
| Regions | $3.00 | None |
| Chase | $3.00 | None |
| Wells Fargo | $2.50 | None |
| Bank of America | $2.50 | None |
| Ally | $0 | $10/month |
| Schwab | $0 | Unlimited |
Regions Wire Transfer Fees
| Wire Type | Fee |
|---|---|
| Outgoing domestic | $25 |
| Incoming domestic | $15 |
| Outgoing international | $45 |
| Incoming international | $15 |
Regions’ wire fees are higher than the national average for regional banks. For frequent wire users, Schwab ($0 outgoing domestic) or Fidelity ($10 outgoing domestic) offer significantly better value.
Related Guides
- Regions Bank routing number 2026 — routing numbers by state, SWIFT UPNBUS44
- Regions Bank minimum balance 2026 — fee waiver thresholds, account minimums
- Regions Bank transfer limit 2026 — ACH, Zelle, wire limits
- Regions Bank vs Wells Fargo 2026 — fee and feature comparison
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