Bank Reviews

Regions Bank Reviews, Rates: CDs, Savings, Money Market, Mortgages

Regions Bank has been in existence since 1971 and started off as First Alabama Bancshares Inc., Alabama’s first multibank holding company. Operations within the holding company began with a total of $534 million in assets, with the combination of three well-respected banks. Since the beginning, Regions Bank has stuck with their banking principles by providing clients with valuable customer service and bank accounts suited for any financial need.

At Regions Bank, they only hire the most driven individuals who excel at their performance at any given opportunity. They spend incredulous amounts of time to perfecting their employees so that the customer’s questions and concerns can always be answered in the correct way. Regions Bank is one of the first to offer disaster resources and believe in the power of helping others and getting them back on their feet again.

Review: Regions Bank Services

While looking over the checking accounts that Regions Bank has to offer, it is not hard to notice the hefty monthly fee that is attached to each account. The fees range from $10 to $20 and these are some of the highest fees among banks. However, the monthly fee can be waived with direct deposits of your payroll or government issued checks and maintaining the monthly balance.

With the school year starting back up again, Regions Bank is one of the leading banks to offer The Sallie Mae Smart Option Student Loan®. If all other avenues of money have been used up, then this loan can help finance the cost of attendance, books, or living expenses. To obtain this loan, a creditworthy cosigner will be needed and the ability to be responsible. The Sallie Mae Smart Option Student Loan® requires interest-only payments during school and during the six month separation period. Flexible payment options are available for this loan.

[tab:CDs]

Regions Bank knows that not every customer will have the same future plans or savings goals. Thus, they are able to offer a variety of CD terms to help with your personal circumstances.

Regions Bank: Regions CD

  • Balances required to open: For CDs with terms 90 days or longer – $500.00, For CDs with terms 7-89 days – $2,500.00
  • Regions CDs can be automatically renewed
  • Customers with a checking account may qualify for a premium (relationship) interest rate on the CD
  • There is a substantial penalty for early withdrawal

Regions Bank: Regular CD – as of 8/15/11

  • Term: 13 months – 0.50% Interest Rate – 0.50% APY
  • Term: 15 months – 1.49% Interest Rate – 1.50% APY

Regions Bank: Relationship Rates – as of 8/15/11

  • 0 months – 0.03% Interest Rate – 0.03% APY
  • 1-5 months – 0.28% Interest Rate – 0.28% APY
  • 6-11 months – 0.30% Interest Rate – 0.30% APY
  • 12 months – 0.30% Interest Rate – 0.30% APY
  • 14-17 months – 0.30% Interest Rate – 0.30% APY
  • 18-23 months – 0.30% Interest Rate – 0.30% APY
  • 24-29 months – 0.40% Interest Rate – 0.40% APY
  • 30-35 months – 0.40% Interest Rate – 0.40% APY
  • 36-47 months – 0.70% Interest Rate – 0.70% APY
  • 48-53 months – 0.90% Interest Rate – 0.90% APY
  • 55-59 months – 0.90% Interest Rate – 0.90% APY
  • 60-72 months – 1.00% Interest Rate – 1.01% APY

Terms & ConditionsRegular CDs: Account must be opened with a minimum deposit of $10,000.00, the primary or secondary designated owner on the account must be the primary or secondary designated owner on a Regions Bank checking account, and the checking account must be and remain open during the entire Account term.

[tab:Savings Accounts]

Regions Bank offers three different savings accounts which seem to suit any person and whatever savings goal they would like to meet. To open a savings account at Regions Bank, the process is simple and safe. It is also fairly quick in order to save you time and the accounts are designed to maximize your money.

Regions Bank: Regions LifeGreen Savings

  • Opening requirements: LifeGreen Checking account and $50.00 deposit when opened online or $5.00 opening deposit in branch when you set up an automatic recurring monthly savings transfer from a Regions checking.
  • Interest Bonus: 1% annual interest bonus when a monthly automatic transfer of $10.00 or more is from your Regions Checking Account. It is paid on the anniversary of the account opening and the maximum annual savings bonus is $250.00
  • No monthly fee
  • $3.00 withdrawal fee for excessive withdrawals (receive 3 free withdrawals per month)

Regions Bank: Regions LifeGreen Savings Rates – as of 8/15/11

  • $0 – $2,499.99 – 0.05% Interest Rate – 0.05% APY
  • $2,500.00 – $9,999.99 – 0.05% Interest Rate – 0.05% APY
  • $10,000.00 – $24,999.99 – 0.05% Interest Rate – 0.05% APY
  • $25,000.00 – $49,999.99 – 0.05% Interest Rate – 0.05% APY
  • $50,000.00 or more – 0.05% Interest Rate – 0.05% APY

Regions Bank: Regions Savings

  • Opening requirements: $50.00
  • Monthly fee: $5.00 – waived with $300.00 minimum daily balance

Regions Bank: Regions Savings Rates – as of 8/15/11

  • $0 – $2,499.99 – 0.05% Interest Rate – 0.05% APY
  • $2,500.00 – $9,999.99 – 0.05% Interest Rate – 0.05% APY
  • $10,000.00 – $24,999.99 – 0.05% Interest Rate – 0.05% APY
  • $25,000.00 – $49,999.99 – 0.05% Interest Rate – 0.05% APY
  • $50,000.00 or more – 0.05% Interest Rate – 0.05% APY

Regions Bank: Savings for Minors

  • Opening requirements: $5.00
  • No monthly fee

Regions Bank: Savings for Minors Rates – as of 8/15/11

  • $1.00 or more – 0.05% Interest Rate – 0.05% APY

Terms & ConditionsFees could reduce earnings on account.

[tab:Money Market]

At Regions Bank, flexibility is the main focus. With their money market accounts, you are allowed access to your money. They offer a Regions Money Market account and a Platinum Relationship Money Market account.

Both money market accounts offer free online statements and standard check images. The accounts gain access to 24-hour automated telephone banking and free online banking with bill pay. The customer can also receive a discounted safe deposit box.

For the most up-to-date interest rates, visit your local Regions Bank or call 1-800-REGIONS.

Regions Money Market:

  • Opening Requirements: $100.00
  • Monthly Fee: $12.00 – Maintain a balance of $2,500.00 or more to avoid
  • Interest Calculation: Compounded daily & paid monthly on collected balances
  • Interest Earned: Earns interest on entire balance each day the balance is $2,500.00 or more

Regions Money Market – Interest Tiers:

  • $2,500.00 – $9,999.99
  • $10,000.00 – $24,999.99
  • $25,000.00 – $49,999.99
  • $50,000.00 or more

Platinum Relationship Money Market:

  • Opening Requirements: $15,000.00 and a Regions checking account with Direct Deposit or a Regions checking account with a $2,500.00 balance
  • Monthly Fee: $15 – Maintain a balance of $15,000.00 or more or open or maintain a Preferred Plus Banking or PFS Checking account
  • Interest Calculation: Compounded daily & paid monthly on collected balances
  • Interest Earned: Earns interest on entire balance with higher interest rates for higher balances & additional account relationships

Platinum Relationship Money Market:

  • $0 – $4,999.99
  • $5,000.00 – $19,999.99
  • $20,000.00 – $29,999.99
  • $30,000.00 – $99,999.99
  • $100,000.00 or more

Terms and ConditionsOpening deposit requirements vary by account. For accounts opened in Iowa, this fee is subject to Iowa State Sales Tax of 5% which will be assessed at the time the fee is charged, unless exempt. Subject to availability.

[tab:Mortgages]

Regions Bank is one of the leading mortgage providers. They have over 550 Mortgage Loan Originators with out of this world figures such as closing 45,000 home loans this past year, all totaling $8.2 billion. Customers also think their level of customer service is satisfactory and rated their loan completions as 98 percent.

Unfortunately, Regions Bank does not offer their mortgage rates via their website. The following is directly off their website:

“Due to the constant fluctuation of mortgage interest rates, Regions Mortgage does not provide mortgage loan interest rates on our website. Rate information can be received directly from your Mortgage Loan Originator.”

In order to receive an accurate mortgage rate based on your financial needs, contact a Regions Mortgage Loan Originator or call Regions Bank at 1-877-536-3286.

[tab:END]

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