Regions bank will nickel and dime you all they can.
My Husband and I recently stopped using them as our main bank because of the way their system is set up. If you have a direct deposit incoming along with other pending transactions, they will allow all pending transaction to post first allowing you to possibly go into the negative, charging you 36 dollars for every transaction....And have your direct deposit post the very same day...
Recently which was the final straw for me, I checked my account today to notice it was negative 44 dollars.. My husband and I only use that account for redbox rentals and keep very little money in it... So there was 12 dollars in our account last night, we forgot about an automatic transfer to our savings account of 20.00 dollars , making our account negative 8 dollars, regions then proceeds with the NSF fee of 36.00, for a final amount of NEGATIVE 44 dollars... Called the main regions number to explain what happened and in the end, since it wasnt bank error they were only going to refund half. 18 dollars... So I am just OUT another 18 dollars from this bank.... I dont understand why they even allowed it to go through in the first place being that it was from one of my accounts to another one.. Not an understand bank of mistakes in the slightest. ALSO since we no long use that account for direct deposit they are now charging 10 dollars a month as a user fee. WTH.......
Regions is a rip off.they charge you a $36 overdraft fee even if you didn't over draw your account. I was told I swiped my card too many times in one day. 3 times is hardly too many times. I called customer service and they only would take off 1 charge I was OK with that cause I had a check clear and my debit purchase did overdraw so 1 $36 fee was mine. After they refunded 1 fee they went back and added another $36 fee for the same charge that was already charged a fee. So now I have $72 in overdraft for the same charge. I went to the Fayetteville branch and was told they should have never refunded me anything because I swiped my card too many time. Then to top it all off my sister is sending me a money electronically for my kids Christmas they did a trial deposit for .90 and now they are charging me $36 overdraft fee. This bank is full of shit. There customer service sucks. They do not care how they treat there customers. Had I seen these reviews I would have never banked with them. I will be shopping for a new bank. Thanks regions for stealing my kids Christmas with over charging me in overdraft fees that are not legit.
We had a $175 fraudulent charge on our checking account. First we had to wait for it to clear to dispute it. That took 2 days. Then we had to dispute it by paper, in a branch. In this digital age there has got to be a better way. Then, they charged me $144 in overdraft fees which would have never been needed if this fraudulent charge hadn't appeared. Now we have to wait 10 business days, with thanksgiving 3 days away, to possibly see the charges lifted and also the overdraft fees lifted. They lifted the overdraft fees once, then put them back on. We are out $319 through no fault of our own, and the customer service department will not go out of their way to help a good customer. They will only go by their script on the phone, they won't help me anymore than this, very unhelpful 3 days before thanksgiving. I will be forced to shop for a new bank with better fraud protection, better customer service, and a bank who will do more for their customers especially if this hasn't happened in the past. I have called 3 times, 3 separate days asking for help. the second call I asked for a manager and was hung up on and they did not call me back even though I have my phone number on my account. The 3rd call resulted in the save old script. It can take up to 10 days to investigate.