Regions Bank: fee reversal

Collect

• statement showing the fee
• available balance by date
• deposit times

Steps

1. Check whether the overdraft was $5 or less after end-of-day processing, or whether you restored the balance by the Overdraft Grace deadline.

2. Call customer service and ask for the fee to be reversed.

   PhoneRegions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks +1-800-734-4667 Account holder only

3. If the fee breaks the stated rules and Regions refuses, complain to the CFPB.

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

Facts you can cite

• Fee

  The Paid Overdraft Item fee is $36 per item, with no more than three Paid Overdraft Item fees per day for personal and small business accounts.

  Source: regions.com, verified 2026-10-13

• Policy

  Regions does not charge a Paid Overdraft Item fee for items that post on a day when the available balance is overdrawn by $5 or less after end-of-day processing, and charges nothing when an item is returned for insufficient funds.

  Source: regions.com, verified 2026-10-13

• Deadline

  Overdraft Grace - if your account is overdrawn by more than $5, you have until 8 p.m. Central Time the next business day to add funds; if the balance is then positive or overdrawn by no more than $5 after nightly processing, no overdraft fee is charged. Money Market, Now Checking and SafeGuard Checking accounts are not eligible.

  Source: regions.com, verified 2026-10-13

Rules not in force (do not cite)

• CFPB Credit Card Penalty Fees Rule ($8 late fee safe harbor, 2024) Vacated
  89 FR 19128 (March 15, 2024) (Regulation Z, 12 CFR 1026.52(b))

  Stayed by the N.D. Texas court in May 2024 (Chamber of Commerce v. CFPB, No. 4:24-cv-00213) and vacated by that court on April 15, 2025 at the CFPB's request after a settlement. The CFPB rule page (last modified June 3, 2024) still says only "stayed"; the vacatur date comes from an April 15, 2025 American Bankers Association report, a plaintiff in the case. The current Regulation Z text has no $8 safe harbor.

  Not in force. Do not cite it as current law.

• CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024) Repealed
  89 FR 106768 (December 30, 2024); disapproved by Pub. L. 119-10 (S.J. Res. 18)

  Not a court vacatur: Congress disapproved the rule under the Congressional Review Act (Pub. L. 119-10, May 9, 2025), so it never took effect and "shall have no force or effect". The CFPB rule page (last modified July 2, 2025) still lists it as a final rule with no status note. What remains in force: the Regulation E overdraft opt-in rule (12 CFR 1005.17) and the account agreement.

  Not in force. Do not cite it as current law.

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   PhoneRegions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks +1-800-734-4667 Account holder only

2. Written complaint

   PhoneRegions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks +1-800-734-4667 Account holder only
   PhoneRegions Credit Card Customer Service; lost or stolen credit card and credit card disputes +1-800-253-2265 Account holder only

   For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.

3. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

4. Federal regulator

   RegulatorFederal Reserve Consumer Help +1-888-851-1920

5. State agency

   Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

Watch out

Related

• Fee reversal at other companies
• Banks and card issuers — how complaints work
• Regions Bank: dispute with a merchant through the bank
• Regions Bank: unauthorized charge
• Regions Bank: fraud or scam
• Regions Bank: account access