Regions Bank

Commercial bank · Birmingham, United States

Regions Bank is an Alabama-chartered state member bank of the Federal Reserve, insured by the FDIC under certificate 12368. It held USD 159.8 billion of assets and USD 131.8 billion of deposits at 30 June 2026 across 1,259 offices in fifteen southern and midwestern states. Small businesses get checking accounts with a zero monthly fee option, business savings, cards and the iTreasury cash management tool; larger companies get commercial treasury management and global trade finance products for international transactions. Its parent Regions Financial Corporation trades on the NYSE as RF and reported USD 549 million of second quarter 2026 earnings with a CET1 ratio of 10.7%.

Legal name: Regions Bank
Regulated by: Federal Reserve (state member bank and holding company), FDIC (deposit insurance, certificate 12368), Alabama State Banking Department, CFPB (consumer enforcement)
Licence confirmed: yes, on a regulator's own list
Established: 1928
Website: www.regions.com

Scores, 0 to 10

7.0United States

State member bank with 1,259 offices in fifteen states, USD 159.8 billion of assets and full domestic rails, but no nationwide coverage. · source

7.0Financial strength & stability

USD 161 billion of assets, USD 130.7 billion of deposits, CET1 of 10.7% and USD 549 million of net income in the second quarter of 2026. · source

6.0Cross-border payments, FX and multi-currency accounts

Commercial banking offers global trade finance products for international transactions, but the number of currencies and the FX margin are not published. iTreasury for small business plus commercial treasury management with real-time account management and global trade finance, all anchored on US dollar accounts. · source

6.0Trade, manufacturing & import-export

Regions markets global trade finance services to help companies handle international transactions, though the number of correspondent countries is not published. · source

5.5Lowest fees

The small business checking comparison shows a zero monthly fee option, and balances across several Regions business accounts can be combined to avoid the fee on paid tiers. · source

5.0Fast digital onboarding

Business checking can be started online and there are 1,259 branches, but the bank publishes no typical time to open a business account. · source

5.0Business cards (Visa, Mastercard)

Business debit cards are issued on the Visa network and business credit cards are sold, but no virtual card issuing or per-card spend control is described. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin and retail-side: an April 2026 guide reports ACH transfers from a Regions checking account to Kraken and Coinbase cleared in two business days without holds, after Regions blocked card purchases of crypto in 2018; Regions publishes no rule for business payments to exchanges. · source

4.5Off-ramp: crypto to fiat in a business account

Evidence is thin: Regions publishes no source-of-funds process for exchange proceeds, and its 2025 Form 10-K flags crypto-related reputational and operational risk, which points to case-by-case review of crypto-origin funds. · source

4.0Best interest on business balances

Business savings accounts, money market accounts and CDs are sold, but no rate is published on the small business comparison pages. · source

4.0Online businesses: e-commerce and SaaS

Business debit cards and online cash management are offered, but there is no multi-currency collection account or marketplace payout product on the small business pages. Online cash management and business cards are available, but there is no banking API, no multi-currency receiving account and no revenue-based financing. · source

3.5Startups & VC-backed companies

Startups are handled as ordinary small business customers; no venture debt, innovation banking unit or pre-revenue programme is published. · source

3.0Crypto-friendly bank

Regions publishes no policy on banking crypto exchanges, brokers or miners; crypto assets appear on its site only as products that are not FDIC insured. · source

3.0Fintech companies that need a partner bank

No safeguarding accounts, sponsor banking or agency banking programme for payment institutions is published. · source

3.0Foreign-owned & non-resident companies

Regions publishes nothing on opening accounts for companies whose owners or directors live abroad; onboarding runs through US branches. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

Regions publishes no policy on gambling, cannabis, adult or forex clients on its small business or commercial pages. · source

1.5Customer satisfaction

Trustpilot rates Regions Bank 1.4 out of 5, which the site labels Bad, and the CFPB called it a repeat offender on overdraft fees in 2022. · source

1.0Crypto wallet and custody for a business

Regions holds no crypto for business clients; its 2025 Form 10-K discusses cryptocurrencies and DeFi only as competition and regulatory risk and names no custody product, checked September 2026. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance appears on Regions' business checking and treasury pages or in its 2025 Form 10-K, checked September 2026. · source

1.0Bitcoin

Regions offers no bitcoin trading, custody, ETFs or other exposure to any client, checked September 2026. · source

1.0Ethereum

Regions offers no ether trading, custody or staking to any client, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

Regions has no stablecoin or tokenized deposit product; a full-text search of its SEC filings since mid-2025 found stablecoins only in the 10-K risk section on the GENIUS Act, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.