Advantage Business Checking

You are a small business owner, have a moderate monthly transaction volume and you use, or want to use, multiple Regions business accounts and services.

Contact a Banker

View All Business Checking Accounts

Overview
Details
Ways To Open

The Basics

Get started with a ^$100 deposit
500 Combined Transactions
Bank anytime you want

Account Details

Benefits

Choice of Regions iTreasury Small Business cash management package OR, Regions Online Banking for Business with Bill Pay^[1]

24-Hour Automated Telephone Banking

30% discount on one Safe Deposit Box with an additional 10% discount with auto debit from a Regions checking or savings account (subject to availability)

Mobile Banking ^[2]

Relationship CD Rates

How to Avoid Monthly Fee

$25 monthly fee waived with one of the following:

Maintain an average monthly balance of $10,000

OR combined balances of $30,000 in related^[3] non-personal accounts^[4]

OR at least $2,500 in Regions Business Visa CheckCard and/or Business Credit Card purchases^[5]

OR at least one Regions Merchant Services transaction credited to this account^[6]

OR at least one deposit to this account using Regions Quick Deposit^[7].

Excessive Withdrawal / Item Fee

No charge for the first 500 items^[8] each statement period; then $0.50 for each additional item

Cash Deposit Fee

$20,000 processed at no charge each calendar month; then $0.25 per $100 for additional cash deposits

Other Fees

Early Account Closing, Stop Payment, and Paid Overdraft Item ^[10]. See Pricing Schedule for additional fees that may apply.

Minimum Opening Deposit

$100

Interest

N/A

Checks

Custom three-to-a-page business checks and custom value packs available.

Monthly Statements

No charge for online statements or paper statements with no check images. Paper statements with check images are available for an additional fee.^[11]

Overdraft Protection

Option to link your business checking account to an eligible Regions funding account for Overdraft Protection.

Features

Ways To Open

Contact a Banker

Ways to Open This Account

Contact a Banker
We can help you open an account quickly and easily.
Get Started Today
Talk to a Person
Make an in-branch or phone appointment now.
Make an Appointment

Why Regions?

Business Solutions

Enjoy the convenience and security of using merchant services^[6], along with essential cash management tools available for enrollment directly through your Regions Online Banking^[1] account – keeping your business one step ahead.

Community Involvement

We believe in giving back to our communities by supporting local organizations and donating our time and talents. We even give associates a paid day off each year to volunteer with a cause of their choice.

Convenience

Bank when, where and how you want with Mobile and Regions Online Banking^[1] solutions such as Bill Pay, Online Statements, Online Funds Transfer and Quicken/Quickbooks^[12] Access.

Flexibility

Choose from among a variety of checking, savings, credit and loan products and services that are specially designed to help you manage your day-to-day operations so you can concentrate on what you do best.

Insights

Visit Business Insights by Regions to take advantage of tools, tips and calculators that help you manage your business, monitor cash flow, provide information on financing options and track your spending.

Personal Service

With award-winning customer service through a branch, online, over the phone, on supported social media platforms, or even at an ATM, we strive to make each experience a satisfying one.

Related Insights

How to Choose the Right Business Checking Account

4 Ways to Make Your Banker Your Best Friend

Sowing Seeds

Collaborating with Online Lenders

See All Insights

Looking for More?

Enrollment in Online Banking requires eligible Regions accounts. To enroll in Online Banking, you must have either a Social Security or Tax Identification Number or use alternative enrollment procedures available by visiting a branch. Mobile Banking, Regions Mobile Banking app, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. There is no fee to access Online Banking or Mobile Banking, but fees may apply to certain products and services offered through Online Banking and Mobile Banking. Mobile Deposit may be subject to fees. Your mobile carrier’s messaging and data fees may apply. You must be at least 18 years of age to use Regions Bill Pay or Zelle.® U.S. checking or savings account required to use Zelle®.
Mobile Banking requires a compatible device and enrollment in Online Banking which requires a Social Security or Taxpayer Identification number. Your carrier's messaging and data fees may apply.
Accounts are considered related if they share the same ownership title and tax identification number. Balances determined at the beginning of the last day of your checking account statement cycle.
Combined balances in related non-personal accounts can include $30,000 in non-personal checking, savings and money market (excludes Public Funds, IOLTA/IOTA, and Trust accounts) accounts OR $30,000 in outstanding business credit card, non-personal line of credit and closed-end loan balances. Accounts are considered related if they share the same ownership title and tax identification number. Balances determined at the beginning of the last day of your checking account statement cycle.
Visa is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A. Inc.For the monthly fee waiver, we count Regions Visa® Business Debit Card and Visa® Business Credit Card purchases that occur during the time period shown on the periodic statement for this checking account, excluding those that post on the last day of the period, which are counted with purchases for the following statement cycle. Only business debit card purchases on this checking account are counted. Only business credit card purchases on accounts held in the name of the entity or person listed as either first or second owner on this checking account are counted. Commercial Card and personal credit card purchases are not counted.
Merchant Services are provided by Elavon. For the monthly fee waiver, we will count Merchant Services deposits that post during the time period shown on the periodic statement for this checking account, excluding those that post on the last day of the period, which are counted with purchases for the following statement period. For new Merchant Services customers, it may take up to one full statement cycle for the waiver to take effect.
For the monthly fee waiver, we count the Quick Deposit transactions for the time period shown on the periodic statement for this checking account, excluding those that post on the last day of the statement period, which are counted with Quick Deposit transactions for the following statement cycle.
Items include all deposited items (including deposit slips) and other credits to the account plus all withdrawals (excluding ATM), transfers (excluding Overdraft Protection transfers) and other debits from the account, whether by check, Regions Visa® Business Debit Card, Automated Clearing House or otherwise.
Cash Deposit fees are calculated each calendar month at month end and then charged on the following statement cycle. To determine the amount of the fee, we divide the amount of cash deposits that exceed the deposits processed at no charge by $100 and multiply the resulting quotient by the applicable fee.
Paid Overdraft Item Fee - $36 per item we pay on your behalf when you do not have sufficient available funds; Early Account Closing - $25 if closed within 180 days of opening; Stop Payment - $36 per request/renewal. We do not charge a transfer fee for Overdraft Protection transfers.
Fee will be assessed whether or not checks are written during the statement cycle.
QuickBooks is a registered trademark of Intuit Inc. Regions Bank does not furnish, endorse, service, or provide technical support for any third-party accounting software and makes no representations or warranties regarding the use of compatibility of any third-party account software.