Regions Bank Minimum Balance 2026 — Checking and Savings Accounts

Regions Bank checking accounts charge monthly fees that can be waived either through qualifying direct deposits or by maintaining a balance — you don’t need to do both. On the savings side, two differently-named products have different fee structures that are easy to confuse: LifeGreen Savings has no fee at all when linked to a Regions checking account, while the separate “Regions Savings” account carries a $5/month fee waived at a $300 balance. All figures below are sourced directly to Regions’ official Pricing Schedule, effective September 9, 2026 — the most current version available at the time of this review.

Regions Bank Account Minimums at a Glance

Source: Regions’ Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule, effective September 9, 2026.

How Regions Calculates Your Balance

Per Regions’ Pricing Schedule, for the LifeGreen Preferred Checking waiver, Regions divides the sum of the opening posted balances for each day in the statement period by the number of days in the period (average monthly balance). For most other accounts and money market products, Regions uses the sum of ending posted balances. Confirm the exact calculation method for your specific account directly with Regions, since it can differ by product.

LifeGreen Checking

LifeGreen Checking’s fee ($8/month online statements, $11/month paper statements) is waived by receiving $500 or more in ACH direct deposits (or a combined $1,000) during the statement period, or by maintaining a $1,500 average monthly balance. You only need to meet one of these two conditions, not both.

For the fuller breakdown of all Regions checking products (LifeGreen Checking, LifeGreen eAccess, LifeGreen Preferred Checking, and Student Checking), see the Regions checking account guide.

LifeGreen Savings — No Fee When Linked to Checking

LifeGreen Savings has no monthly fee at all, provided you have a Regions checking account open or being maintained. This is a genuinely different product from “Regions Savings” (below) — don’t assume the two share a fee structure.

Regions Savings — A Separate, Standalone Product

Regions Savings carries a $5/month fee, waived by maintaining a $300 minimum daily balance. Unlike LifeGreen Savings, it does not require a linked Regions checking account.

For current Regions savings rates and a fuller breakdown of both products, see the Regions savings account guide.

How to Avoid Regions Bank Monthly Fees

For LifeGreen Checking, setting up qualifying direct deposits of $500 or more per month is generally the most reliable, balance-independent way to waive the fee.

For savings, keeping your money in LifeGreen Savings (rather than the separate Regions Savings account) avoids the monthly fee entirely, as long as you also hold a Regions checking account.

For a full breakdown of all Regions Bank charges, see the Regions fees guide.

For a complete overview of Regions Bank accounts, limits, and contact information, see the Regions Bank complete guide.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.