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REGIONS OVERDRAFT GRACE TERMS AND CONDITIONS

Regions Overdraft Grace

With Regions Overdraft Grace, customers can get a little extra time to make a
deposit to a personal checking account or transfer funds from another Regions
account to cover an overdraft.

If the available balance in your Consumer or Private Wealth checking account is
overdrawn by more than $5 after nightly processing of items presented on any
business day ("Day 1"), you may avoid paid overdraft item fees for Day 1 paid
overdraft items if by 8:00 p.m. Central Time on the next following business day
("Day 2") you make a deposit or transfer funds to your account sufficient to
bring your available balance to an amount equal to or greater than negative $5
(-$5) after nightly processing of items presented on Day 2.

This means that by 8:00 p.m. Central Time on Day 2 you must deposit or transfer
an amount sufficient to cover both the Day 1 paid overdraft items and any new
items that may be presented for payment or withdrawal on Day 2 with the result
that your available balance after nightly processing of Day 2 items is equal to
or greater than negative $5 (-$5) (an "Overdraft Grace Deposit"). It is your
responsibility to anticipate and be aware of any new items that may be presented
for payment or withdrawal on Day 2 and to include funds for those items in your
Overdraft Grace Deposit. If your available balance after nightly processing of
Day 2 items is overdrawn by more than $5, we may charge paid overdraft item fees
for the Day 1 paid overdraft items. These fees will be charged to your account
on the next business day following Day 2.

Deposits and transfers you make to your account as Overdraft Grace Deposits are
subject to the terms of our deposit agreement and our funds availability policy,
the terms of applicable product and service agreements, and the provisions of
applicable law and regulation. Under those terms and provisions, certain items
you deposit or transfer may not be accepted as part of an Overdraft Grace
Deposit (e.g., a check deposit may be subject to a funds availability hold).
Also, certain deposit-taking facilities may have cutoff times earlier than 8:00
p.m. Central Time (e.g., our banking offices may close before 8:00 p.m. Central
Time). We reserve the right to reject any deposit or transfer that does not
conform to our business requirements or account or service terms and conditions,
that does not meet the requirements of law or regulation, that we believe is
unlawful or fraudulent, or that we believe puts our assets or operations at risk
for any reason in our sole and absolute discretion.

Regions offers alert and notification services that can help you keep up with
certain activity in your account, including activity that causes a negative
available balance. Learn more about alerts and notifications. Enrolling in these
services will help ensure that you will have sufficient time to make an
Overdraft Grace Deposit and take advantage of Regions Overdraft Grace in the
event you overdraw your account’s available balance.


RELATED TOPICS

 * Regions Overdraft Grace
 * Regions Overdraft Grace Terms and Conditions


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*Investment, Insurance, and Annuities Products
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 * May Lose Value
 * Are Not Deposits
 * Are Not a Condition of Any Banking Activity
 * Are Not Insured by Any Federal Government Entity

© 2024 Regions Bank. All Rights Reserved.

 Regions, the Regions logo, and the LifeGreen bike are registered trademarks of
Regions Bank. The LifeGreen color is a trademark of Regions Bank.

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Investments, Annuities and Insurance Products
 * Are Not FDIC Insured
 * Are Not Bank Guaranteed
 * May Lose Value
 * Are Not Deposits
 * Are Not Insured by Any Federal Government Agency

© 2022 Regions Bank. All Rights Reserved.

Regions, the Regions logo, the LifeGreen color, and the LifeGreen bike are
registered trademarks of Regions Bank.

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