Are you a Regions Bank customer needing to process a transaction? Finding the correct Regional Bank Routing Number is essential to ensure your funds are directed accurately, especially for wire transfers, direct deposits, and other electronic payments. This guide provides a detailed overview of Regions Bank routing numbers, helping you locate the right one for your specific needs.
Understanding Routing Numbers: The Basics
A routing number, officially known as an ABA routing number, is a nine-digit code that identifies your bank or financial institution within the United States. Think of it as a postal code for banks. This number is crucial for various financial transactions, acting as the identifier that directs money to the correct bank when you:
- Set up direct deposits: Whether it’s your paycheck, government benefits, or other regular payments, the routing number ensures the money lands in your Regions Bank account.
- Make wire transfers: Sending or receiving wire transfers, both domestically and internationally, requires the correct routing number.
- Pay bills online: Many online bill payment systems require your bank routing number to process payments from your account.
- Send money via ACH (Automated Clearing House) transfers: ACH transfers are a common method for electronic fund transfers in the US, and they rely on routing numbers.
Without the correct routing number, your transactions could be delayed, rejected, or even sent to the wrong account. Therefore, understanding and accurately providing your Regions Bank routing number is a fundamental aspect of managing your finances effectively.
Regions Bank Routing Numbers: State-by-State Guide
Regions Bank, like many regional banks in the US, utilizes different routing numbers depending on the state where you opened your account. This state-specific routing system ensures efficient processing within their operational regions. To find your specific Regions Bank routing number, refer to the table below. Locate the state where you opened your Regions Bank account to find the corresponding routing number.
| State | Routing Number |
|---|---|
| Alabama | 062000019 |
| Arkansas | 082000109 |
| Florida | 063104668 |
| Georgia | 061101375 |
| Illinois | 071122661 |
| Indiana | 074014213 |
| Iowa | 073900438 |
| Kentucky | 083901744 |
| Louisiana | 065403626 |
| Mississippi | 065305436 |
| Missouri | 081001387 |
| North Carolina | 0530012029 |
| South Carolina | 053201814 |
| Tennessee | 064000017 |
| Texas | 111900785 |
| Virginia | 051009296 |
It is crucial to use the routing number associated with the state where you opened your account, not necessarily where you currently reside if it’s different.
Regions Bank Wire Transfer Routing Numbers
For wire transfers, Regions Bank uses specific routing numbers that may differ from the state-specific routing numbers used for other transactions like direct deposits. Wire transfers are a faster method of sending money, often used for larger sums or time-sensitive transactions. Here are the dedicated routing numbers for Regions Bank wire transfers:
| Type of Wire Transfer | Routing Number |
|---|---|
| Domestic Wire Transfer | 062005690 |
| International Wire Transfer | UPNBUS44 |
| SWIFT Code | UPNBUS44XXX |
For domestic wire transfers within the United States, use the routing number 062005690.
For international wire transfers coming into Regions Bank from overseas, you will need both the wire routing number (UPNBUS44) and the SWIFT code (UPNBUS44XXX). The SWIFT code is essential for identifying Regions Bank internationally, ensuring your international wire transfer reaches the correct destination.
How to Locate Your Regions Bank Routing Number
Finding your Regions Bank routing number is straightforward. Here are several reliable methods:
On a Check
For checking accounts, your Regions Bank routing number is printed on your checks. It is typically located in the bottom-left corner of your checks, the first nine-digit number you see.
Alt text: Regions Bank check example highlighting the routing number location at the bottom left corner, followed by the account number and check number.
Online Banking
Accessing your routing number through Regions Bank’s online banking platform is a convenient and secure method. Once logged in to your account, you can usually find your routing number within your account details or in the section for direct deposit information. This is a quick way to verify your routing number without needing to locate your checks.
Fedwire Website
You can also utilize the official Fedwire website provided by the Federal Reserve. This online directory allows you to search for routing numbers for all US banks. Simply visit the official Fedwire website and search for “Regions Bank.” This will provide you with the official routing numbers associated with Regions Bank.
Choosing the Right Regions Bank Routing Number
Selecting the correct Regions Bank routing number is crucial for transaction success. Remember these key points:
- State Matters: Always use the routing number corresponding to the state where you opened your Regions Bank account for standard transactions like direct deposits and ACH transfers.
- Wire Transfers are Different: For both domestic and international wire transfers, use the specific wire transfer routing numbers provided earlier (062005690 for domestic, UPNBUS44 for international). For international wires, also provide the SWIFT code UPNBUS44XXX.
- Verify: If you are ever unsure, it’s always best to double-check your routing number through Regions Bank online banking or by contacting Regions Bank customer service directly. Using incorrect information can lead to delays or complications.
Instarem: A Better Alternative for International Transfers
While wire transfers are a traditional method for international money transfers, services like Instarem offer a potentially cheaper and faster alternative for sending money internationally. Instarem often provides more competitive exchange rates and lower fees compared to traditional bank wire transfers. If you frequently send money overseas, exploring platforms like Instarem could lead to significant cost savings and a more efficient transfer process.
Sign up for Instarem to discover a better way to send money internationally.
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Disclaimer
The information provided in this guide is intended for general informational purposes only. While every effort has been made to ensure the accuracy of the information, banking policies and fees may be subject to change. Users are strongly advised to verify specific details and consult with their banks should they have any questions or concerns. Instarem assumes no responsibility for any errors or omissions in this guide, or for any actions taken based on the information provided herein.
