Regions Bank

Headquarters: Birmingham, Alabama
Charter: Bank
Assets: $159.8B
Fed district: Atlanta
Regulator: Federal Reserve
Holding company: Regions Financial Corp.

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for Regions Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCFD2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Regions Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Regions Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $173.0M in Q2 2026, 9.5% above the same quarter a year earlier ($158.0M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $13, the middle of its prices
Regions Bank: $8 to $18
Regions Bank: $8 to $18
U.S. median: no median
Overdraft (OD)
Regions Bank: $36
Regions Bank: $36
U.S. median: no median
Non-Network ATM
Regions Bank: $3
Regions Bank: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 4.8% from Q3 2025 to Q2 2026, to $173.0M.

Service-charge income, Q2 2026

$173.0M

$165.0MQ3 2025

$168.0MQ4 2025

$168.0MQ1 2026

$173.0MQ2 2026

Against the median

Regions BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Regions Bank · $159.8B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$65.4B to $250.8B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Regions Bank(this institution)	Birmingham, AL	$159.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ally Bank	Sandy, UT	$188.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Express National Bank	Sandy, UT	$213.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Charles Schwab Bank, SSB	Westlake, TX	$250.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
CIBC Bank USA	Chicago, IL	$66.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citizens Bank, National Association	Providence, RI	$232.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
City National Bank	Los Angeles, CA	$99.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Columbia Bank	Roseburg, OR	$65.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
East West Bank	Pasadena, CA	$84.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Horizon Bank	Memphis, TN	$84.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First-Citizens Bank & Trust Company	Raleigh, NC	$236.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Flagstar Bank, National Association	Hicksville, NY	$87.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
HSBC Bank USA, National Association	Tysons, VA	$173.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
KeyBank National Association	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manufacturers and Traders Trust Company	Buffalo, NY	$218.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morgan Stanley Private Bank, National Association	Purchase, NY	$250.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Old National Bank	Evansville, IN	$73.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinnacle Bank	Nashville, TN	$128.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santander Bank, N.A.	Wilmington, DE	$104B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SouthState Bank, National Association	Winter Haven, FL	$68.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Northern Trust Company	Chicago, IL	$178.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
UMB Bank, National Association	Kansas City, MO	$71.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
USAA Federal Savings Bank	Phoenix, AZ	$106.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Valley National Bank	Passaic, NJ	$66.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Western Alliance Bank	Phoenix, AZ	$98.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Zions Bancorporation, N.A.	Salt Lake City, UT	$89B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.25 (21%) above the median of similar-sized banks.

Compared at $13, the middle of its two prices, against a peer median of $10.75 among 14 publishing peers.

Its two checking prices are $8 and $18.

$13 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Regions Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Regions Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $173.0M
vs prior quarter: +$5.0M+3.0%; from Q1 2026
vs a year earlier: +$15.0M+9.5%; from Q2 2025
vs start of range: +$10.0M+6.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Regions Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$173.0M	+$5.0M	+3.0%
Q1 2026	$168.0M	$0	0.0%
Q4 2025	$168.0M	+$3.0M	+1.8%
Q3 2025	$165.0M	+$7.0M	+4.4%
Q2 2025	$158.0M	−$7.0M	−4.2%
Q1 2025	$165.0M	+$5.0M	+3.1%
Q4 2024	$160.0M	−$3.0M	−1.8%
Q3 2024	$163.0M	+$7.0M	+4.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Regions Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee (audience not stated, treated as personal)$18
per month
Monthly Fee$8
per month
Early Account Closing (within 180 days)$25
Paper Statement (audience not stated, treated as personal)$5
per month
Paper Statement (audience not stated, treated as personal)No charge
Paper Statement (audience not stated, treated as personal)$4
Paper Statement$3
Excessive Withdrawal/Item Fee 1$6
per item
Excessive Withdrawal/Item Fee 3$3
per item

Overdraft & NSF

Paid Overdraft Item/Returned Item Fee$36

ATM & Card

Non-Regions ATM: Withdrawal (audience not stated, treated as personal)$3
International ATM Transaction$5
CheckCard/ATM Card Replacement Fee$5
Expedited Card Replacement Fee$25
International Service Assessment3%of the transaction

Wire Transfers

Wire Transfer – Domestic: Incoming$15
Wire Transfer – International: Outgoing$50
Wire Transfer – International: Incoming$18

Check Services

Cashier’s Check$10
Money Orders$2
per item
Stop Payment$36
per item
Stop Payment – Special Paying Instructions (Caution)$36
Copy Services Fee (each item copy)No charge
per item
Printed Check ImagesNo charge

Digital & Electronic

Overnight Check Bill Payment Fee$14.95
Same Day Bill Payment Fee$9.95
Zelle® 1No charge

Cash & Deposit

Loose Coin Deposit$5
Card Cash Advance Fee$3
Returned Deposit Item Fee$15

Account Services

Notary ServicesNo charge
Drilling Fee$150
Not compared: Box drilling or key fee
Late Payment Fee (past 30 days)$10
Not compared: Box drilling or key fee
Replacement of Lost Key$25
Not compared: Box drilling or key fee
Legal Process/Document Review$100
per item
Verification of Deposit/Mortgage$30

Other Fees

Duplicate Statement$5
Fax Notification$3.50
Special Interim StatementNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee (audience not stated, treated as personal)	$18	per month	None
Monthly Fee	$8	per month	None
Early Account Closing (within 180 days)	$25	Not stated	None
Paper Statement (audience not stated, treated as personal)	$5	per month	None
Paper Statement (audience not stated, treated as personal)	No charge	Not stated	None
Paper Statement (audience not stated, treated as personal)	$4	Not stated	None
Paper Statement	$3	Not stated	None
Excessive Withdrawal/Item Fee 1	$6	per item	None
Excessive Withdrawal/Item Fee 3	$3	per item	None
Overdraft & NSF
Paid Overdraft Item/Returned Item Fee	$36	Not stated	None
ATM & Card
Non-Regions ATM: Withdrawal (audience not stated, treated as personal)	$3	Not stated	None
International ATM Transaction	$5	Not stated	None
CheckCard/ATM Card Replacement Fee	$5	Not stated	None
Expedited Card Replacement Fee	$25	Not stated	None
International Service Assessment	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfer – Domestic: Incoming	$15	Not stated	None
Wire Transfer – International: Outgoing	$50	Not stated	None
Wire Transfer – International: Incoming	$18	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Money Orders	$2	per item	None
Stop Payment	$36	per item	None
Stop Payment – Special Paying Instructions (Caution)	$36	Not stated	None
Copy Services Fee (each item copy)	No charge	per item	None
Printed Check Images	No charge	Not stated	None
Digital & Electronic
Overnight Check Bill Payment Fee	$14.95	Not stated	None
Same Day Bill Payment Fee	$9.95	Not stated	None
Zelle® 1	No charge	Not stated	None
Cash & Deposit
Loose Coin Deposit	$5	Not stated	None
Card Cash Advance Fee	$3	Not stated	None
Returned Deposit Item Fee	$15	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Late Payment Fee (past 30 days)	$10Not compared: Box drilling or key fee	Not stated	None
Replacement of Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process/Document Review	$100	per item	None
Verification of Deposit/Mortgage	$30	Not stated	None
Other Fees
Duplicate Statement	$5	Not stated	None
Fax Notification	$3.50	Not stated	None
Special Interim Statement	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Regions Bank operates, and what regulators and customers have on file.

Market position

In Birmingham, AL, Regions Bank holds 28.5% of bank deposits, #1 of 49, with 55 offices.

Compare fees with the 91 Atlanta-Sandy Springs-Roswell, GA banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Atlanta-Sandy Springs-Roswell, GA.

Offices in the metro

418 offices of 100 institutions shown.

Regions BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Birmingham, AL metro (FDIC metro code 13820), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 8 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Regions Bank28.5%
2PNC Bank, National Association11.8%
3ServisFirst Bank9.3%
4Pinnacle Bank7.7%
5Wells Fargo Bank, National Association7.1%
6Truist Bank6.3%
7The Huntington National Bank3.9%
8Oakworth Capital Bank2.6%

8 of 49 institutions shown. $53.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Birmingham, AL metro (FDIC metro code 13820)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 28.5% share, 55 offices, #1 of 49

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Birmingham, AL metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

128 offices of 51 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Consumer complaints

1,062 complaints to the CFPB so far in 2026

Checking or savings account
Bank account or service
Mortgage
Credit reporting or other personal consumer reports
Other

Top issues, 2026 to date

Managing an account	278
Problem caused by your funds being low	116
Incorrect information on your report	109
Problem with a lender or other company charging your account	70
Closing an account	51
Trouble during payment process	44

Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.

Holding company

REGIONS FINANCIAL CORP (NYSE: RF)

Consolidated assets

$161.3B

Shareholders' equity

$18.8B

As of

2026Q2

Net income by quarter

Recent SEC filings

8-K8-K2026-10-16View
8-K8-K2026-08-11View
8-K8-K2026-08-07View
10-Q10-Q2026-08-06View
8-K8-K2026-07-17View
8-K8-K2026-05-11View
8-K8-K2026-05-11View
10-Q10-Q2026-05-07View
8-K8-K2026-04-17View
DEF 14ADEF 14A2026-03-23View
10-K10-K2026-02-24View
8-K8-K2026-02-09View

Source: SEC EDGAR filings and XBRL financial data, CIK 1281761. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

Get an email when Regions Bank's wire transfer changes in our data

We check once a day and send one email covering every change.