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Regions Bank Customer Review

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Ashley0921's Profile Image

1 out of 5 marks

Reviewed by Ashley0921

Jan 27th 2012

Horrible

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.......

Sincerely,

PISSED CUSTOMER

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Other Regions Bank Reviews

palfaro38's Profile Image

Reviewed by palfaro38

Sep 10th 2014

1 out of 5 marks

Very Bad Financial Advice

I am a customer of regions for years and a few days ago was contacted by mr. Peter [Redacted] ( champions gate branch - regions bank) offering me a credit card. I told him that i couldn't afford another credit card. He was checking probably my profile with the bank and at that time, and told me that he knew that i had a personal loan with regions with a fixed interest. He could get me a credit card with 0 % to transfer the balance of my personal loan to that new credit card with 0 % for 12 months.

He also explained to me that once open the credit card the balance in my personal loan would be transferred automatically to this new credit card. He did open the credit card but the balance was never transferred. I waited a few days and asked peter yelverton about it and he said that he was about to call me to let me know that the transferred is not possible because " both loans belongs to the same institution".

Of course he knew that from the beginning and he still sold me a credit card that i don't need. Later he advised me that i can go to any business that i know and pay with the credit card and asked the business to give me the cash to pay off my personal loan. I can not believe that a "financial adviser" told me that. I am completely unsatisfied with this person and with the bank. They sold me something that i don't need and lied to me to probably get his commissions.

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pamelas2's Profile Image

Reviewed by pamelas2

Sep 8th 2014

1 out of 5 marks

Creative/deceptive Accounting Makes Stealing Your Money Legal

They are liars, cheats and thieves. They hold your deposit (even a cash deposit) even though your online account shows that the deposit has been credited to your account, and it shows the amount of the deposit in your available funds, and then they put through all other transactions instantly, refusing to utilize your deposit (made in cash, showing under "available balance"), just so they can charge you $36/item overdraft fees.

Then these fees pretty much negate your deposit, eat it all up, so that any other transactions you perform, confident you have deposited enough to cover everything, are paid out but charged $36/item overdraft fees. In three days, regions charged me $324 in overdraft fees, putting me into a negative balance, even though i should have had a couple of hundred dollars left in the account.

I confronted the manager of my branch, accused her of "creative accounting" and "deceptive accounting prctices" and she just signed and rolled her eyes, like i was too stupid to understand. Yeah, like i would want to pay a $36 overdraft fee for a $4. 99 charge on amazon! These people have found a legal way to steal your money! Beware!!!

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