Private Wealth Management Checking, Money Market, Savings, Time
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Private Wealth Management Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule For accounts in Georgia (excluding Columbus, GA), North Carolina and South Carolina (Effective August 20, 2015) REGIONS PRIVATE WEALTH MANAGEMENT (PWM) CHECKING With any Regions checking account, you get extra services to make banking easier and more convenient. Contact your Wealth Advisor, stop by a branch, go to regions.com or call 1-800-REGIONS for more details. ALL PWM CHECKING ACCOUNTS COME WITH THE FOLLOWING FEATURES: • Regions CheckCard • Banking with Microsoft® Money • Regions Online Banking with Bill Payment • Discount on installment loan with payments auto debited from a • 50% discount on one Safe Deposit Box rental with an additional 10% Regions account discount for auto debit from a Regions account (subject to availability) • Overdraft Protection available • First year annual fee waived on a home equity line of credit • Unlimited check writing • Relationship rates on most CDs for customers who meet the • Option to participate in Regions Relationship Rewards® program Relationship requirements1 with annual fee waived2 • Banking with Quicken® REGIONS WEALTH ACCOUNT3 LIFEGREEN CHECKING – PWM* Account Eligibility Only Private Wealth Management clients qualify for the Regions Wealth Account and LifeGreen Checking – PWM. Requirements In order to qualify for Private Wealth Management, clients must have at least $500,000 or greater in investable assets at Regions Financial (Bank, Personal Trust and/or Regions Investment Solutions) AND must be approved for acceptance by Private Wealth Management • If you have a Regions Wealth Account and no longer • If you have a LifeGreen Checking – PWM account and qualify as a Private Wealth Management client, Regions no longer qualify as a Private Wealth Management reserves the right to convert your Regions Wealth client, Regions reserves the right to convert your Account to a LifeGreen Preferred Checking account. LifeGreen Checking account to a standard LifeGreen We will notify you in advance if we convert your Checking account. We will notify you in advance if we account. convert your account. • Terms and conditions for LifeGreen Preferred Checking • Terms and conditions for standard LifeGreen are on page 5 Checking are on page 5 Minimum Opening $1,000 $50 Deposit Monthly Fee None None Checks No fee for any personal single or duplicate style checks No fee for Regions custom single-wallet (limit 4 orders per (limit 4 orders per year). year) or a 50% discount on any other personal style checks. Features Comes with all the features above plus: Comes with all the features above • Earns highest interest of any Regions personal checking account • No monthly fee on a Platinum Relationship Money Market as long as your Regions Wealth Account remains open • No Regions fee on transactions at other banks’ ATMs • Rebates of other banks’ ATM withdrawal, balance inquiry and transfer fees (does not include international service assessment)4 • Wire Transfers (no fee) • Stop Payments (no fee) • Overdraft Protection Transfers (no fee) • Cashier’s Checks (no fee) • Money Orders (no fee) 1Please refer to the Relationship Interest Rates for Time Deposits and Certificates of Deposit section for more information. 2Regions Relationship Rewards program allows you to earn points for your Regions personal banking activities. The Relationship Rewards $10 annual fee will be waived or refunded if you have a Relationship Rewards Credit Card, ACH direct deposits (such as a recurring payroll or government benefit deposit) to your Regions checking account, or if you have certain types of Regions checking accounts. Visit regions.com/relationshiprewards for the full terms of the rewards program. 3This account is a negotiable order of withdrawal (NOW) account. See Deposit Agreement for additional information. 4You will be charged the non-Regions ATM withdrawal fee by the out-of-network bank. Regions will issue a separate credit to your account for the fee amount no later than the business day following when the fee posts to the account. For accounts opened in Iowa, certain account fees are subject to Iowa State Tax of 6%, which will be assessed at the time the fee is charged, unless exempt. *Information on Inactive Accounts. This provision applies only to LifeGreen Checking – PWM account holders. An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. Customer-initiated activity includes deposits and withdrawals but does not include any fees and charges which may be assessed to the account by the Bank. Once your account becomes an inactive account (no activity for 92 consecutive days), you will be notified that your account may be converted to a Check-for-Less account which will be subject to the pricing schedule for Check-for-Less accounts. Your account will be converted to a Check-for-Less account 30 days following our notice to you unless prior to the end of the 30-day period: (1) You initiate activity (make a deposit or withdrawal) on your account, or (2) you contact the Bank and complete all steps required to change your account type to an account not subject to these procedures. Please refer to the pricing schedule for Check-for-Less accounts in the Additional Terms and Conditions section for pricing information. SAVINGS ACCOUNTS LIFEGREEN SAVINGS1,2 SAVINGS1 SAVINGS FOR MINORS1 You May Avoid Monthly Fee By Not applicable $300 minimum daily balance Not applicable Maintaining: Account Eligibility Requirements Opening or maintaining a Not applicable Not applicable Regions checking account Minimum Opening Deposit $50 ($5 if you set up a monthly $50 $5 automatic savings transfer from a Regions checking account) Monthly Fee $0 $5 $0 Interest Tiers Based on account balance of Based on account balance of Based on account balance of all $50,000 or more; $25,000- $50,000 or more; $25,000- balances $49,999.99; $10,000-$24,999.99; $49,999.99; $10,000-$24,999.99; $2,500-$9,999.99; below $2,500 $2,500-$9,999.99; below $2,500 Excessive Withdrawal/Item Fee $3 per withdrawal or transfer in $3 per withdrawal or transfer in $3 per withdrawal or transfer in excess of 3 per month excess of 3 per month excess of 3 per month Discount on Safe Deposit Box 30% with an additional 10% 30% with an additional 10% 30% with an additional 10% (subject to availability) discount for auto debit on one box3 discount for auto debit on one box3 discount for auto debit on one box3 1Regulatory limit of six (6) transfers or payments (preauthorized, automatic, by telephone, or from a personal computer), including drafts, checks, debit card, or similar orders (including POS transactions) payable to a third party, from your savings account per statement period. The preauthorized or automatic transactions may be initiated by Telephone Banking, Regions Online Banking, or standing order. Limit does not apply to in-person withdrawals or withdrawals at an ATM. Exceeding the regulatory limit on transfers and withdrawals on more than an occasional basis may result in your savings or money market account being converted to a transaction account. 2If you have a LifeGreen Savings account and do not have a Regions checking account, or if you close your Regions checking account, Regions reserves the right to convert your LifeGreen Savings account to a Savings account. We will notify you in advance if we convert your account. 3Auto debit must be from a Regions account. LifeGreen Savings Annual Savings Bonus: A monthly automatic transfer of funds of at least $10 from your Regions checking account to your LifeGreen Savings account for the entire year is required to earn a 1% annual savings bonus. The bonus is based on the average monthly balance for the 12 calendar months that precede the month of your anniversary date and is paid on the business day following the anniversary of account opening. Maximum annual savings bonus of $100. Your LifeGreen Savings account must be open on the date the annual savings bonus is paid to receive the annual savings bonus. MONEY MARKET ACCOUNTS MONEY MARKET1 PLATINUM RELATIONSHIP MONEY MARKET1 You May Avoid Monthly Fee By Minimum daily balance of $2,500 Minimum daily balance of $15,000 OR opening or Maintaining One Or More Of The maintaining a Regions Wealth Account Following: Account Eligibility Requirements Not applicable Customer must have a checking account with ACH direct deposit, such as a recurring payroll or government benefit deposit, or $2,500 minimum daily balance Minimum Opening Deposit $100 $15,000 Monthly Fee $12 $15 Interest Tiers Based on account balance of $50,000 Based on account balance of $100,000 or more; or more; $25,000-$49,999.99; $10,000- $30,000 – $99,999.99; $20,000 – $29,999.99; $24,999.99; $2,500-$9,999.99; $5,000 – $19,999.99; below $5,000 below $2,500 Excessive Withdrawal/ Item Fee2 $15 per withdrawal, transfer, or payment in $15 per withdrawal, transfer, or payment in excess of 6 excess of 6 per month per month Printed Check Images With $0 $0 Paper Statement Discount on Safe Deposit Box 30% with an additional 10% discount for auto 50% with an additional 10% discount for auto debit (subject to availability) debit on one box3 on one box3 1Regulatory limit of six (6) transfers or payments (preauthorized, automatic, by telephone, or from a personal computer), including drafts, checks, debit card, or similar orders (including POS transactions) payable to a third party, from your money market account per statement period. The preauthorized or automatic transactions may be initiated by Telephone Banking, Regions Online Banking, or standing order. Limit does not apply to in-person withdrawals or withdrawals at an ATM. Exceeding the regulatory limit on transfers and withdrawals on more than an occasional basis may result in your savings or money market account being converted to a transaction account.