Regions Bank has 1,500 branches in 15 states in the South and Midwest. Checking and savings accounts require just $50 to open, with relatively lower requirements to waive fees.

Open an online Capital One 360 CD to earn an interest rate with guaranteed yield. Compare our CD terms and annual yield rates. Enjoy the protection of FDIC insurance and zero market risk with an online CD account. The Relationship certificates of deposit have a minimum opening balance of $500 and you have to have a Regions checking account. The Relationship CD rates are higher than the Regions CD Rates. Their highest CD rate is on their 60 month to 72 month CD with the current CD rate at 2.76 percent and an annual percentage yield (APY) of 2.80 percent.

Regions Bank Promotions

Regions Bank frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select States, so make sure you read the fine print carefully.

All Regions Bank checking accounts offer free online banking, bill pay, and mobile deposits. There are 2,200 ATMS across 16 states.

Regions Bank Cd Rates Arkansas

Special Checking Account Features

Regions checking accounts come with these special features:

• Relationship Rewards. Earn relationship reward points when you do normal banking activities, like using online bill pay, making ATM deposits, etc. You can then redeem rewards for cash, gift cards, travel, and more.
• Regions LockIt. This allows you to block transactions. For example, if you want to control your spending while out for a day, you can lock in-store purchases so you're not tempted. If you lose your card, you can lock all transactions until you find it or report it as lost. You can control this straight on the mobile app.
• Overdraft protection. To help cover overdrafts, you can link your Regions checking account to a savings, money market account, Regions credit card, or Regions personal line of credit. Note: Transfer fees may apply. You must opt in to this service.

What to Open at Regions Bank

• Promotional CDs. If you have at least $10,000 to save, Regions Bank offers a promotional CD with highly competitive rates. You can choose terms of 12-15 months. You must also own a Regions checking account to receive this relationship rate.
• Regions LifeGreen Savings. If you have a Regions checking account, you can open this savings account with no monthly service fee. Opening deposit is $50 if opened online or $5 at a bank. If you set up automated monthly transfers from your checking into this savings, you will earn a 1% annual savings bonus (up to $100/year).
• Now Banking and Cash Solutions. This allows you to manage your money without a Regions checking account. You get a prepaid Visa for purchases. You also get a savings account with no monthly fee and opportunities for savings bonuses. It also offers check cashing services (for a small percentage of the check amount) with immediate access to your funds.
• Student Checking. This account has no monthly service fee and no minimum balance requirements for customers under 25.

How to Avoid Regions Bank Checking Account Fees

• LifeGreen Simple Checking. This account has no minimum balance requirements, but the monthly fee cannot be waived.
• LifeGreen Checking. The $8 monthly fee (with e-statements) can be waived if you: maintain a monthly average balance of $1,500, OR have at least a single recurring direct deposit of $500, OR have combined deposits of at least $1,000.
• LifeGreen eAccess. The $8 monthly fee (with e-statements) can be waived if you make at least 10 Regions debit card and/or credit card purchases per cycle.
• LifeGreen Preferred Checking. The $18 monthly fee can be waived if you: maintain a monthly average balance of $5,000, OR maintain a combined balance of at least $25,000 across all Regions deposit accounts, OR have a qualifying first-lien home mortgage loan, OR have a combined loan balance of at least $25,000 across all Regions loans, lines of credit, and credit cards.
• Life Green Student Checking. This account has no monthly service fee and no minimum balance requirements if you are under 25.
• LifeGreen 62+ Checking. The $8 monthly fee (with e-statements) can be waived if you: maintain a monthly average balance of $1,500, OR have at least a single recurring direct deposit of $300, OR have combined deposits of at least $1,000.

• Variety of term lengths
• Competitive promotional offerings

• $1,000 minimum deposit requirement

Hancock Whitney Bank is the combination of two banks that have been around for over 100 years: Hancock Bank and Whitney Bank. The two merged in 2010, and although you may still see Hancock Bank locations in Mississippi, Alabama and Florida and Whitney Bank locations in Louisiana and Texas, all the locations are under the Hancock Whitney umbrella.

The bank offers certificate of deposit (CD) accounts with term lengths from seven days to seven years. Also offered is an 11-month Promo CD, which is the only account with a rate close to the best CD rates we’ve examined. The standard offerings are quite low in comparison, but the wide variety of term lengths does allow for the construction of a CD Ladder.

Read on for all the details about CD accounts at Hancock Whitney.

Hancock Whitney Standard CD

Hancock Whitney Promo CD

You are not required to use new money (money that isn’t currently in a Hancock Whitney account) in order to purchase the Promo CD. The only thing that differentiates it from the bank’s standard offerings is that it will not automatically renew as the same CD once it matures and the grace period ends. Instead, it will renew as a 12-Month standard CD, which has a rate of 0.10%.

7-30-Day CD Interest Rate Comparison

Overview of Hancock Whitney CD Rates

Hancock Whitney offers a good range of term lengths for its CD accounts, going as short as seven days and as long as seven years.

If, for any reason, you need some or all of your principal back before your CD fully matures, you’ll have to pay what’s called an early withdrawal penalty. For term lengths of fewer than 365 days, your early withdrawal penalty would be three months worth of simple interest on the amount you’re withdrawing. For any term length of one year or longer, the penalty doubles to six months worth of simple interest.

Once your CD reaches maturity, you’ll have a grace period of 10 days to either withdraw the money or place it in a different CD. Otherwise, your CD will renew for another term of the same length. If you purchased a Promo CD and don’t act during your grace period, you’ll be renewed for a standard CD.

How Much You Earn With a Hancock Whitney CD Account Over Time

Interest on all Hancock Whitney CDs compounds monthly, at which point it can either be paid out to you or left in the account. If you can manage it, it’s always a good idea to leave your interest in your account so that it can accrue interest on itself and raise your maximum earning potential. The fact that interest compounds monthly and not daily does mean that you can’t earn quite as much interest, but since the rates are pretty low, the difference is almost negligible. For example, a $10,000 in a 60-month CD at Hancock Whitney will earn you $151.11 in interest. If that same investment were to compound daily, you would earn an extra two cents.

Regions Bank Cd Rates In Mississippi

How Hancock Whitney CD Rates Compare to Other Banks'

Looking strictly at its standard offerings, the Hancock Whitney CD rates are on the low end of the spectrum. The rates can’t match up with regional competition like BankUnited or even those of national behemoths like CitiBank, which are often low due to the costs of maintaining so many physical branch locations.

Compared to online competition like rates at Capital One, the Hancock Whitney rates are sometimes as much as 20 times smaller. Hancock Whitney's 11-month Promo CD is a much more competitive rate, especially for that kind of term length. The only drawback that there is if you’re looking to invest for a longer period of time is that you can’t necessarily rely on renewing that Promo rate over and over, as the rate may not be available for renewal in 11 months.

Should You Get a Hancock Whitney CD Account?

Regions Bank Cd Rates Tennessee

With the exception of the 11-month Promo CD, the CD rates at Hancock Whitney aren’t much to get excited about. If you’re already a Hancock Whitney customer and looking to consolidate all your banking under one roof, then you may want to consider giving the Promo CD a look. If keeping your assets in one place isn’t as much as a concern for you, then you’ll likely be able to find better CD rates elsewhere, especially if you don’t mind banking online.