OMG!!!! This bank is the WORST!!!! I Just got married and joind onto my husbands account 3 months ago! I have had NOTHING BUT TROUBLE!!! READ ALL THE FINE PRINT before you sign! and MAKE SURE they explain all the charges and how they work! I didn't know that this bank takes the larger about and process them even though the smaller amounts have already been processed! They are charging me $350.00 for not explaining to me ALL the costs and rules! I've been back and forth with the branch manager and the Corp store and they all send me back to eachother! I've been thrown around and miss lead! Yes, I see these ppl saying "oh stop complaining it's your own fault for overdrafting" Obviously these ppl work for a bank and when they overdraft, then go in and fix it themselves! It's just so frustrating that when a mistake happens and it's the first one you've made, all for the simple fact that you didn't understand, that they wont go over and beyond themselves to make the customer happy! Now they have caused me to not be able to pay for daycare this week and that's another $30 I have to pay daycare for being late! Eff Regions and there stupid non-caring selves!

Note to anyone... DO NOT USE THE REGIONS BANK ON LAKEHARBOR DR. IN RIDGELAND MS!

Their Branch Manager, Bill, is one of the rudest ppl I have ever delt with! While trying to get an explanation, he told me that I needed to learn how to use a checking account and hung up in my face! I mean, come one! Grow up!

This bank is horrible and I would NEVER suggest anyone use them unless they like to be deceived!!!

Regions is the worst bank I have ever dealt with. They are absolutely horrible to their customers, their overdraft fees are ridiculous and if some tiny little mistake happens, forget it, you will not get any help from them. Even Bank of America is like Mother Teresa's bank compared to Regions. Beware of this horrid institution. Bank anywhere else!

Every time I call Regions "customer service" to find out what their policies regarding in which order they process items I get a different story. But each time they do, one thing remains the same - in each instance, the order they process items on my account will always benefit them and always penalize me with fees.

There have been some times where I did not do my math correctly, and I have gotten overdraft fees, and I hate it, but that's how things work and I accept them. But in the last year, Regions has become shadier and shadier and less transparent in their banking practices, especially regarding online banking (as many people on here have stated). When you check your balance, there are two balances - a ledger balance and an available balance. One may be positive, reflecting pending deposits, etc., while the other is negative. The biggest problem with this system is that they will charge you an overdraft fee for a pending electronic transaction, even before it leaves pending status and clears your account. And they will come up with any excuse in the book as to why that is their "policy." I've even been charged overdraft fees on pending transactions, then a deposit went through before the transaction cleared that put the account in positive status that covered the transaction, then the transaction cleared AFTER the deposit, and they refused to remove the overdraft fee. That's just unethical.

I started banking with Union Planters over 10 years ago, and I never had any issues with them - they were always fair and listened to me if I had a problem, which was rare. Regions doesn't seem to care at all. I have paid my last $35 overdraft fee to Regions, and I am going to take my money to Chase this week, leave my Regions account open for a month, until I get my checks, check card, and all new account holds removed from the Chase account, and then I am closing the Regions account. And frankly, the number of Regions branches keeps dwindling anyway, so it's next to impossible to find one to actually do my business, so I am going to opt for convenience and fairness.

I am a broke college student who has fell victim to this greedy bank. Oh wait, ALL banks are greedy, but this one seems to be much more so than others. I have been banking with Regions for about five years and I agree with most others on here that the online banking system is merely a tool for them to delude their customers and gain from it. It is very hard to tell what is really going on with your account at any given time. Online banking is supposed to be a tool that helps people keep better track of their money. Instead, Regions uses it as a tool to con more money out of our already empty pockets.

I also don't like the amount any bank charges for overdrafting. Regions overdraft fees seem to be particularly high though. I think overdraft fees should be based on the actual amount you have overdrafted. They will rob you of thirty bucks if you overdraft a dollar. Is this fair? Does it really cost their bank that much when I overdraft a dollar? Although I must admit I don't know the full details of what actually happens to the bank when you overdraft, I must say that it seems very unjust to charge me that much for a very small error. If they would have charged me five dollars for overdrafting a dollar, I would be more understanding. I would love to just use cash instead of dealing with checks and debit cards. It seems that it would cut out this greedy middle man (a.k.a. every bank in the world). Unfortunately, it is becoming more and more difficult to not use debit cards, checks, and online banking.

I also don't like the fact that you have to cash your check before 2:00 p.m. in order for it to be posted that day. Not very many people get out of work until after 2:00 p.m. which means most people do not get their money ready to use until the following day at whatever time you deposited the day you initially deposited your check. The weekend situation is even worse and I still don't even have a grasp on it and like I said, I've been banking with them for somewhere around five years. Regions loves to keep it stupid and confusing so they can milk you of your hard earned money. They've stolen hundreds of dollars from me and I've finally had enough. I am now waiting for a few transactions to go through so that I can finally close my account and end this misery. I will be switching to a local county bank that I've heard good things about from many people. I suggest that everyone do this. Get away from the greedy, big city banks who are ruining this country and localize. Give back to your communities and make them strong.

regions gives you the internet as a tool "to suppose to help you" with your account but infact they use it as an allusion so they can ROB you!!!! they will hold back checks and say they were pending they could put the balance of the pending, take it off so that you would know by looking on the internet the true ammount that you have but no they will hold it until something bigger goes through and then they will charge you 35 dollars for that check and every other little one!!! then when you talk to them about it they say it was a favor to you when they are just doing it to take more of your money. my name is thomas gordon, and i live in georgia, and last week i called CNN in atlanta and i also called randy travis at fox 5 in atlanta because i want something done about these theaves!! i think there should be a class action law suit! and im not changing banks until i get every penny of my money back.

My problem with this bank is reflected in all the other reviews you've read. Stay away from this den of thieves!

This "keep better track of your money" answer is not only insulting, you are speaking about accounts which you know nothing of, unless of course the person who posted the response is just a Regions bank rep paid to scour the internet and look up the literally HUNDREDS of pages where people are trashing their unethical bank practices and write a response. If that was the case, I would not be surprised, they wouldn't be the first company to pay someone a little money to set up their smoke and mirrors for them. REGIONS IS A BUNCH OF CHEATS AND LIARS. I have had the same thing happen to me regarding overdrafts, only one time I had SCREEN CAPTURES after they screwed me once, showing where something like a meager $5 or $10 has CLEARED. That means not "PENDING" not out there in transfer land somewhere waiting to clear, I mean CLEARED and done. Then if I had like a larger charge come in two days later, and it would cause me to overdraft, if the last few charges were within 2 or 3 days, they will automatically GO BACK, reshuffle the charges, and VOILA!! You now have $120 in overdraft charges. THIS IS THIEVERY! in other countries, they would cut Regions head off for it. However, I have come to realize, Regions is an 'effin' hydra, and if you have an account with them, you have the teeth of the hydra sunk in your wallett. Yeah, good luck with that. I believe they only do it to their lower income customers, the customers who are less likely to complain, however that is only a theory at this point. My screen captures and proof however are real. When I called up Regions and tried to email them the proof, they didn't want it, would not listen and did not care. Bottom line, save your energy, GO FIND A BETTER BANK. Go to badregions.com, and educate yourself, if you don't save yourself, nobody else will. Now MOVE!

If you use online banking STAY AWAY!!!!

I have banked with regions for just over a year now, and have paid them over 1000 in overdraft charges. When it first started occuring, I didnt pay to much attention, just thinking it was me reading the account balances wrong and being irresponsible with my money, after all i'm only 20. after what feels like the 10th time of this crap happening i've given up. The online bank account balance is rigged to charge you an overdraft charge if there is any angle they can use to justify it. For instance, if you see you have 10 dollars left, and transfer 300 from your other savings, and then spend 30, they will charge you overdraft, because charges always go through before deposits. Dont bother getting a replacement card if yours is lost or stolen either. My wallet was stolen in Nov of 2008, and as of July 09, and 7 calls later i still have no debit card for my master account and have to transfer all money into my joint account. The reps hide behind their "system" saying they cant waive any charges because it wont let them, i'm a rep for AT&T wireline services... hiding behind a system is bullshit i can tell a cust they cant have service until next week and know damn well how to get around the system to get that cust to front of line. It may not be the best for the company but there used to be something called building a rapport.. and unfortunatly regions has lost the ability to connect with its customers. There are reviews on here saying be more responsible with your money.. all these over draft fees that all these people are getting are YOUR fault and not the banks.. well news flash.. its the banks job to look out for its own customers if it wants to keep them. ATT and Verizon will send you texts saying you should up your plan if you go over your minute or texting svcs to save YOU money in the long run.. but regions is to reliant on these overdraft charges to proactively offer overdraft protection or automatic transfer from savings if this problem occurs. I'll be taking my 50k per year elsewhere, along with my roomates money too... Good Riddance!

Keep a check register and you will stop overdrafting. Its called being responsible and knowing how much money you "really" have. Its your own fault for being lazy and depending on the internet for your balance. Some businesses will run your check/charge months later..not the banks fault. They have to charge the overdraft fee in order to cover the extra money they are loaning out because of insufficient funds. Remember that thing called a checkbook, BALANCE IT!!
This is a joke.

Save yourself a load of headaches and wasted time - REGIONS IS THE WORST BANK IN EXISTANCE! They charged me $200 in overdraft fees for the first time being overdrawn - due to a contract agreement closure with Directv that forced a debit to my checking account for my last bill. They lie. No one has any ability to waive fees - not Branch Managers, Online Bankers and Corporate is elusive. I ma…de an EFT transfer that was rejected by my electric company and Regions erased the entry from my history as if it never existed. They charge monthly fees on their "Lifegreen Checking" - which is supposed to be free and of course do not refund the fees. They have UNETHICALLY TAKEN $215 from my 8 month old baby and disabled husband.

My experience with Regions has been horrible and I wouldn't recommend giving your money to them to steal. I am not an accountant but I do know how to add and subtract, which is a simple process Regions isn't familiar with. They are clever at finding loopholes to getting your money. I contacted customer service via phone regarding my issue and they basically said that I was S.O.L. and didn't really give a crap about my problem. So, I took my problem to a Regions branch and they couldn't give me an accurate explaination. When I asked the girl who assisted me about the other 3 million people who are being ripped off, she shrugged her shoulders and said that she didn't have an answer and she agreed. They use horrible business practices. Even if you don't have a nice lump sum in your account WATCH OUT. Like I said before, Regions isn't familiar with basic adding and subtracting. Go somewhere else.

Every bad review on here is the same thing: overdraft, overdraft, overdraft. Shut up, do your math better. I've had maybe 4 overdrafts in the 2 years I've banked with Regions, and guess what -- each time it was my own fault. Region's isn't a babysitter, nor is any bank. If you go over, then maybe you should take a banking class. Maybe banks are just better in Louisiana?

I'll admit, their employees are lacking in many qualities I look for in anyone who's servicing me for those minutes, but as a whole they're amazing. Anyone who's whining about customer service, I hope you're whining about CS for every other possible company because customer service always has, and always will be, full of shit.

I received 3 overdraft fees despite a positive balance when the third hit. When I called the 800# they told me that they charge the fees based on their available balance. The web-site seems to give 1 balance and they have another "magical" balance that they draw from. They also claim that they pend transactions for 3 days and after that they fall off of the on-line statements until the merchant presents them (which they have 60 days to do). I don't know how all merchants are, but I would think that they would not want to wait for their funds anymore that we would want them to hold them. It is my opinion (and only that) that Regions may flag customers who have accounts that may potentially be close to a negative balance and check their balances frequently (online and through ATM's) to give a balance that does not reflect all potential debits. They then drop off those charges for a day or so, to reflect a higher available balance to the customer so that they go and spend beyond their means. They count on those people who do not question statements or charges to get an extra little bank charge here and there. $35 doesn't sound like much but multiply that number by 100 customers like me and it can pay 1 persons salary for an entire month.

This bank doesn't even deserve this star. 9 months ago I was hit with numerous overdraft fees. Regions was allowing me to charge things, including charges for $2, even though there wasn't any money in my account. I went to my local branch and asked why they were letting me charge things on my debit card when I didn't have the money in my account. Wasn't it supposed to decline my card and say NSF? I was told that Regions does this as a "favor" so that if Regions customers have an emergency and need to use their card they can do it. He went on to tell me that they feel it's the customers "responsiblity" to balance their checkbook. I told the Regions employee that my "emergency" credit card is for that very thing and that I would like my account to be set up so that it says NSF when I have insufficient funds. Besides, shouldn't MY emergencies be MY responsibilty not regions, balancing my checkbook is. Now, 9 months later it's the same thing. Regions went back and changed my account, without my knowledge, to allow me to charge things even when there is no money in my account. I feel that Regions should reimburse some of these charges since they changed my account without my knowledge after I requested it to be set up the way it was. But of course, Regions will not do such a thing for their customers. I have now payed over $100 for a $14 worth of bar-b-que. Thanks Regions!! My husband and I check our account online daily, but we don't balance our checkbook and that's never been a problem for us. I've had my account for about 10 years and didn't have problems until Regions took over. I've never kept a transaction register and that's never been a problem either. If you have an account with Regions and are thinking about changing banks, DO. If you're thinking about banking with Regions, DON'T.

Regions hit me with over 900.00 uds in nsf fees for money that was on hold. Not charged never debitted from my account, just on hold. Never once did my balance drop below 300, even with the fees. Went into my local branch spoke with the manager and he informed me of policy of money on hold and told me not to use my debit card as "credit" to ensure that I always use my pin number. Let me state again, I WAS CHARGED FOR AUTHORIZATIONS NOT CHARGES. AUTHORIZATIONS THAT NEVER WENT THROUGH AS CHARGES. HOTEL LODGING THAT WAS PAID IN CASH THEN AUTHS REVERSED. BUT I WAS STILL CHARGED OD FEES. Needless to say, Regions is horrible and I heard that they might go belly up. Serves them right. Down with Regions.

I was going to open an account but thanks for all the comments I will never get close to this bank.

I have been banking with AmSouth for about 6 or 7 years. I like AmSouth, it was a mid-size bank. Small enough that all the tellers knew me but large enough that they had ATMs all over. The customer service is terrible now that Regions has taken over. You have to watch them for NSF (insufficent funds) fee. Make sure your savings and checking accounts are not "linked" but set up for "overdraft protection" - they are two different things. I learned the hard way with $175 in NSF fees. You have to watch them - they will try to charge you for EVERYTHING!

We have filed a complaint with the Florida Office of Financial Regulation (www.flofr.com) accusing Regions Bank with unfair business practices.

Regions Bank is using what they claim is a consumer feature called a 'Overdraft Limit' that pays incoming charges no matter your account balance. It will pay up to $500 in charges after your account is overdrawn.

Regions is charging consumers anywhere from $33 to $35 for each paid item under the 'Overdraft Limit' feature. The average total fee charges to consumers under this feature is estimated to be around $210. This is making Regions very wealthy and making consumers very angry.

This feature should not be confused with Overdraft Protection. Overdraft Protection is a feature that links accounts for overdraft coverage. Service Reps make this confusing by trying to tell you there is no 'Overdraft Protection' feature on your account, but not tell you of the 'Overdraft Limit' feature.

You can have the 'Overdraft Limit' feature removed from your account, but the customer service rep at the 800 number will tell you that it can take 3 to 10 days to remove. This is untrue. Your local branch can remove it immediately. Regions is purposely hiding this fact.

Additionally REGIONS BANK WILL RE-APPLY THIS FEATURE TO YOUR ACCOUNT AFTER 30 DAYS WITHOUT NOTICE IF YOUR ACCOUNT IS IN GOOD STANDING AND NOT OVERDRAWN! We believe this is a strategic attempt to gain fees from you in the future. We also believe that this action may be construed as fraudulent if a complaint were to be made at the County level (lawsuit).

If you have experienced this fee unfairly, live in Florida, and feel that you can do something, fill out this complaint form:

http://www.flofr.com/Director/FIComplaint_Form.pdf

We site all the information in this complaint from Regions customer service representatives, branch managers, and branch tellers. We were told 'off the record' by certain Regions employees that this is a fee strategy handed down from the upper level leaders of the bank. Furthermore, certain employees have given us private email addresses to let them know how our complaint with the state turns out as they are also frustrated with consumer complaints.

Regions Bank has crossed the line between ethics and greed. Their strategies are meant to fill the pockets of the bank at the consumers expense during a time when the American economy is faltering. Kick us when we're down Regions!

I have banked with AmSouth since I was in high school. I have always watched my bank account very closely, what with internet scams and their ability to access bank information so easily. That being said, I watch my account like a hawk. However, never in my wildest dreams did I think I would be duped by my own bank. Well, Regions is not my bank, AmSouth was until they were taken over. Never in the 10+ years that I have banked with AmSouth, was I ever charged overdraft fees for pending transactions. To make it simple, after the overdraft fees had their way with my account (132$ the first time) I still had 6$ left. This is a clear sign that there was never an overdraft in the first place. Of the 272$ they took from my account without one overdraft on my ledger to show for it, they have been so kind as to refund 70$ and inform me that would be the extent of their charity. Word to the wise. Regions is not AmSouth. They are as underhanded and shady as any other national bank. I am closing my account as we speak and I would advise anyone looking to open an account with Regions to look elsewhere.

My fiance and I have opened an account with Regions bank approximately six months ago. We thought that they were fantastic! We absolutely loved the feature of the 800 number to get your balance and to find out what transactions were pending. Recently my fiance had deposited $512.00 cash into our account before cut over time this past Thursday, therefore the cash should have shown in my account as soon as he walked out the door. The following Saturday I had gone to the ATM to withdrawal money for the ATM to tell me that the funds were not available. I then called another 800 number for them to tell me that it was a branch error and that I would have to wait until Monday and go to the branch with my deposit receipt so that they could fix it. Monday, I went to the branch and the assured me that it was an issue in their proofs department and that my money would be in my account by midnight that night. When I woke up for work on Tuesday morning, I called to check my balance...guess what!? The money still was not in my account. So I then proceeded to waste my lunch break to go to the bank and find out what was going on. The financial center manager then told the head teller to tell me that if it was not in my account that there was nothing she could do for me. They later called me and told me that they found the issue and that my money would be in my account as of midnight on tuesday night and also reassured me that any NSF fees would be refunded and all of my checks would clear. This morning (Wednesday) I once again called for my balance and It had finally been deposited. I became curious so I signed onto my online banking to find that I have been hit with 175.00 of NSF fees and three checks were returned unpaid!!! So looks like no lunch for me again tomorrow!!!! Consumer BEWARE!!!!! You will thank me later!

Please learn to manage your accounts. Please consider that a check is a legal document, meaning in other to be binded in a legal document in the United States, one must be properly documented and in other to cash this checks you must present acceptable and current identification. Bank policies change and varie from bank to bank.

I can not agree more with the other negative reviews about over reliance on computers. The customer support I received from Pensacola and Birmingham offices was horrible. I use my debit card frequently for small purchases and was hit with over $400.00 in overdraft fees. The fees snowballed to prevent my deposits to cover my balance. The circumstances were reasonable to have at least some if not all of the fees removed. I was told by one representative that she could remove 2 of the fees, but I would need to call back the next day to speak to a supervisor who could remove additional fees. However, the next day the supervisor could not remove any of the fees because "the computer" would not let her. All I received were excuses when I told her that one day prior at least two of the overdraft fees could have been removed. I am now in the process of finding a new bank because I refuse to put up with such awful service.

Like most of the complaints below, I to have been screwed by Regions. My husband and I have three children, one with severe medical problems, and right now he is the only one able to work. As you can imagine, things get tight around here. I check my account nearly everday on the regions website to make sure they aren't screwing us again and got up this morning and had 3 nsf fees equal to $105.00. One of those was for a paypal transfer that I scheduled on Wednesday because last time it took 5 days for it to process. My husband has direct deposit on Fridays. So, I expected it to come out maybe Friday after his deposit went in. I also had two other transactions that had been pending the day before and the money at the time was in the bank to cover these. Well guess what they did? They sent the paypal first then the two others after costing me alot of money. They of course say "the computer automatically sends through the largest first." How convinient for them. The staff is completely rude once they find out that you are calling to get some money (that you've busted your you know what for) back. We are leaving this bank. Unless someone asks me if I know a bank where they will be treated disrespectfully, have money taken from them, and have a computer running your bank account, I will never recommend them to anyone!!!

They join the Monster Banks category with their ugly service.
I tried to cash a check and they would not accept my US Residence Card. That is a FEDERAL ID. They would not accept my European passport... but of course after 20 minutes wasted in their bank my EXPIRED Georgia Driver License seemed to be acceptable!!!!

And yeah.... the charge $5 to cash a check for not having an account with their ugly bank.

DOESN'T EVEN DESERVE `1 STAR! STAY CLEAR FROM THE EMORY RD BRANCH IN KNOXVILLE!! INEZ SMITH AND KRISTEN ARE LIARS AND THIEVES.THEY DON'T EVEN KNOW THIER OWN POLICIES.THEY WILL GO OUT OF THIER WAY TO SLAM $33.00 NSF FEES!BEWARE!

This is the second time that even though my records were correct, they got me with overdraft fees, that I didn't owe!! I kept records, and didn't go over what I had in my account. Since it was close, I looked at the Website often, to make sure I didn't mess up with my records, and I didn't. Then I put money in the bank, and still looked at their site to make sure all was well. Then A few days later, it said I was overdrafted, 3 times even though I should have had almost $80 in the bank even after all my checks. And if it did cross in transaction time making me overdrafted the most overdrafts would have been one, being almost $14 short the day before the deposit went through. They don't want to take any of the overdraft off, and I told them I would close my account if they didn't take at least two of the overdrafts off,(they had put on 3) They refused to take them off, and stated they didn't care. I don't need a bank who is going to charge me almost $100 for 3 overdrafts, that wasn't really overdrafted, at the most, only one would have been overdrafted, but truly, I feel that it wasn't a real overdraft. Now my account which should have $79 left in it has negative $14. The lady I spoke to was rude and unacceptable. I have been banking with them over a year now, and have been a great customer, and they could care less.If in the market for a bank, stay clear of Regions!! Find another who believes in the old policy, "The customer is always right" It wouldn't be money out of their pocket, just money they are stealing from me out of their pockets which they didn't earn anyways. They give people overdraft fees when they don't deserve them, and they figure out ways to not only give you one, but three. The most I should have got was one, but I don't feel that would have been fair, cause their website reflected I had enough to cover all three On the 22nd, and when I made a deposit to make sure, that was on the 23rd, and the website still said I wasn't overdrafted then, after the deposit cleared, then the website said I overdrafted the day before the deposit. That is a real ripoff!! They let their computers do the work for them and say they can't override them. Who runs Regions, people or computers? It has poor customer service, and unwarranted fees!! However the people at the branch I go to regularly are nice, but I haven't talked to them yet,( I called the 800 number and talked to a rude supervisor) but I feel they will be nice about it at the branch, but they probably won't do anything either due to their let the computers run Regions rule.Not the people at the branches fault, but the actual Regions policy fault. I am certainly going to take my business elsewhere.

Customer loyalty means nothing to this bank. I've given them my business since they took over our local bank many years ago. I am not in the habit of giving companies my hard earned money for nothing (late fees, overdraft fees, etc...) But one small mistake balancing my checkbook racked up $360.00 in overdraft fees. Did they work with me to reduce these fees? NO! All I got was quoted policy stating that unless it's the bank's error no fees will be reduced. That goes to show how well long term customers are treated. It will be the very last fee they ever get from me. Customer service is nothing more than quotes from their policy manual.