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.
This bank is holding my dead fathers money insisting they need more documentation other than a DEATH CERTIFICATE?!!!!
They want me to spend 3000.00 on an attorney to collect $700.00.
I REALLY DIDN'T UNDERSTAND HOW TRULY IMPORTANT MY BANKING RELATIONSHIP ...I RECENTLY HAD A PROBLEM OCCUR WHILE TRYING TO PAY OFF MY READY ADVANCE, INSTEAD OF $6.94 I ACCIDENTALLY APPLIED $694.00(BAL. IN CKNG ACCT WAS ONLY $113.27...ALL DEBITS HAD CLEARED...STILL HAD A BAL OF 113.27 ...AFTER MY MISTAKE, I CALLED REGIONS AND SPOKE TO SEVERAL REPS...BECAUSE SOMEONE (NOT NAMING) MADE IT LOOK AS IF MY CHECKING WITHDRWL WAS DONE FIRST (MAJOR ERROR, OVERDRAFT OF $ 500 /CHGD $252 NSF...APPEAR...AFTER TALKING TO A NUMBER OF REPS/SUPERVISORS' PERMITTED TO CORRECT THIS AND PUT THE RIGHT BAL, BACK ON MY ACCT... (REFUNDED NSF FEES) OTHERWISE, I DEFINITELY WOULD BE LEAVING AFTER 22 YEARS...NEVER REALLY HAD A MAJOR PROBLEM WITH ANYONE AT REGIONS BANK..THEY ARE ALWAYS HELPFUL ...ESPECIALLY WHEN I DON'T HAVE MONEY TO THROW AROUND..ALWAYS POLITE..OF COURSE THEY COULD LOWER THEIR NSF FEES...$38 IS A LITTLE MUCH WHEN YOU OVERDRAW BY $2.00....I HOPE I NEVER HAVE TO LEAVE....SO FAR, SO GOOD ..I NOW UNDERSTAND HOW IMPORTANT A WORKING, UNDERSTANDING RELATIONSHIP REALLY IS...ALSO, I MADE THIS ERROR WHILE USING MY TABLET...NOW I STAY AWAY FROM THE TABLET AND ONLY USE MY COMPUTER TO MAKE TRANSFERS, ETC...THANKS TO REGIONS, I DIDN'T HAVE TO ARGUE EXCESSIVELY..I HOPE THIS CONTINUES AND I WILL ALWAYS FEEL THIS WAY ABOUT MY REGIONS BANK...THINGS COULD CHANGE, ALL IT TAKE IS 1 BAD REP....LOVE, LOVE, LOVE MY PREVIOUS EXPERIENCES..JUST REMEMBER (EVEN THE RICH PEOPLE) "ITS NICE TO BE IMPORTANT BUT IT IS ALWAYS IMPORTANT TO BE NICE"""" ALSO, IF PROBLEMS DO HAPPEN, IT'S GOOD TO BE ADAMANT BUT NOT AGGRESSIVE!!!