The short answer
The registry records Regions Bank Overdraft Paid Item Fee as a possible interpretation of REGIONS OVERDRAFT PAID. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
How Regions Overdraft Paid Fees Occur
Unreviewed registry note: A debit marked `REGIONS OVERDRAFT PAID` represents an overdraft service fee assessed by Regions Bank when the institution covers a check, recurring electronic draft, or pre-authorized purchase that exceeds your available balance. The bank evaluates transactions against your available checking balance at the end of each business day processing cycle, debiting a fee whenever an authorized item brings your account negative beyond standard buffer thresholds.
Unreviewed registry note: These fee charges occur when paper checks clear against insufficient funds, automated utility drafts process without adequate balance, or point-of-sale debit transactions are paid under discretionary overdraft coverage enrollment.
- Unreviewed registry note: Paper check cleared against an account balance insufficient to cover the check
- Unreviewed registry note: Automated recurring utility or subscription draft cleared with insufficient funds
- Unreviewed registry note: Point-of-sale debit transaction paid under discretionary overdraft coverage enrollment
Resolving Negative Balances and Requesting Waivers
Unreviewed registry note: Deposit funds immediately to restore your account balance to a positive standing.
- Unreviewed registry note: Sign in to online banking and review your current negative available balance.
- Unreviewed registry note: Deposit qualifying funds before the end-of-day cutoff time to reduce subsequent fee accrual.
- Unreviewed registry note: Contact Regions customer service to inquire whether a one-time courtesy fee waiver is available.
- Unreviewed registry note: Link an eligible Regions savings account for automated overdraft transfer protection.
Frequently Asked Questions
Unreviewed registry note: Reviewing your account activity and past transaction receipts helps clarify the nature of these charges.
What is the fee for a paid overdraft at Regions Bank?
Unreviewed registry note: Regions charges thirty-six dollars per paid overdraft item, with daily limits capping the maximum number of paid overdraft charges per day.
How can I opt out of Regions overdraft coverage on everyday debit card purchases?
Unreviewed registry note: You can adjust your overdraft election online or by visiting a branch to select Standard Coverage, which declines everyday debit card charges that exceed your balance without assessing fees.
Part of a family
REGIONS OVERDRAFT PAID is one of the Regions Bank statement codes registry groups. A shared group does not establish who billed your transaction.
Independent reference — not affiliated with Regions Bank. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- Regions Overdraft Protection and Coverage Options https://www.regions.com/personal-banking/overdraft-services
- CFPB Rules on Bank Overdraft Programs and Disclosures https://www.consumerfinance.gov
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