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.......
I absolutely love coming here. 75% of my visit is because of a welcoming smile from the women at the front desk. Bank tellers are always willing to assist. My account had been frozen for a couple weeks due to fraud and I had to have my account shut down. I still kept my prepaid Regions Now Card. I stopped in one day to load funds on the card and questioned about my account. Unexpectedly, an agent dealt with contacting the non emergency line to get some information. She then informed me that she was able to reinstate my account. This was a blessing. I never felt so good about a bank. I would recommend this branch to any one.
Overdrew my account by 50$, got a 72$ late fee, I understand, it's my fault and thats standard. Sadly since I'm a server and have a 14 month old baby boy, I called my mom to bail me out. She wirelessly sent 150$ to get my account out of negative. It was the first time we did this, so our banks needed to verify the security of the transfer, so they first deposited 15 cents, and then 50 cents, I had to correctly confirm what was deposited in order for the transfer to happen. After being approved, i still had negative account. Regions charged me two more additional overdraft charges because of when my moms bank took back the 15 and 50 cents deposited to insure security by both banks! So I was charged another 72$ Making it a total of -192$ In my account.. 148$ of that being fees. my mom had only sent 150$. I tried calling many times, talked to two supervisors, even went personally into two Regions branches. Every single Regions said it wasn't a bank error on their part, so they won't refund it. I just can't believe how terrible this bank.