267103 RG guide bluecons.qxd

welcome
to the new Regions
See how we’re making banking better
CONTENTS
Contents
Highlights
5
Access Made Easy
11
Everyday Banking at Regions
17
Additional Financial Services
21
AmSouth and Regions have joined together and,
as of July 13, 2007, will begin to serve you in Alabama and
Florida as one bank under the Regions name. On the pages
Expect more
that follow, you’ll find a summary of important information
about everyday banking at the new Regions. For the terms and
conditions, fee schedules and interest rate tiers that will apply
to Regions deposit accounts in Alabama and Florida as of
Welcome to the new Regions — stronger and better
than ever. Here are some of the benefits
you can expect from us. (Read through this
brochure to find out more.)
July 13, please see the enclosed Consumer Disclosure Booklet.
An easy transition
More answers
More opportunity
New rewards
Easier banking
More solutions
We are committed to helping to make
your financial life better — now
and for many years to come.
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HIGHLIGHTS
Highlights
MORE BRANCHES AND ATMS
The new Regions will combine the banking networks of Regions
and AmSouth to bring you more banking locations – some 2,000
branches and more than 2,400 ATMs in 16 states. This process
will take place state-by-state and will be completed in early
2008. See page 11 for more information.
SAME ACCOUNTS
Continue using your same account. Your account features and
benefits will remain the same.
SAME DEPOSIT ACCOUNT NUMBERS AND CHECKS
Checking and savings account numbers will remain the same
for the great majority of our customers. If you are one of the few
customers receiving a new account number, you have already
been notified.
An easy transition
You can continue to use your current supply of AmSouth checks
and deposit and withdrawal slips for your account until it’s time to
reorder. When you reorder checks directly from the bank, your new
checks will be automatically printed with the new Regions logo.
AmSouth and Regions have worked closely
together to make our merger as simple as
possible for you. You’ll keep the same
accounts, account numbers, checks and more.
And now you’ll have more benefits available
every day — with more branches and ATMs,
new online banking capabilities and
cash back rewards on qualifying
CheckCard purchases.†
†
If you order checks and deposit slips from a source other than the
bank, please contact your local branch and request a new Regions
check specification sheet before you place your next order.
Tip:
Read this section first!
It’s an overview of the
information you need,
all in one place.
Cash back is available only in connection with purchases made from participating retailers.
Cash back amounts may vary. Subject to CheckCard Rewards Program Terms and Conditions
at the program Web site, available through regions.com or see your banker for details. Other
restrictions may apply.
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6
HIGHLIGHTS
HIGHLIGHTS
RECURRING DEPOSITS, PAYMENTS AND TRANSFERS
YOUR CHECKCARD
Direct deposit of payroll, government or other recurring deposits
to your account will continue without interruption.
If you had an AmSouth CheckCard, you
have already received or will soon receive
a Regions Visa® CheckCard with the new
Regions logo and a new card number.
You can activate and begin using your new card
immediately, with your same Personal Identification Number
(PIN). Once you activate your new card, your AmSouth card will
no longer work.
If you have provided your current CheckCard number to a third
party to authorize recurring payments from your account, please
be sure to notify the third party of your new card number and
expiration date.
See page 13 for more details.
Recurring payments and transfers will continue as before, with
no change to your current arrangements, except those tied to
your CheckCard. For more information on these, see page 6.
FREE ONLINE BANKING AND BILL PAY
You’ll continue to enjoy free online access to your accounts for
banking and paying bills. This service will be expanded to offer
significantly greater capabilities and convenience to you.
See pages 14 and 15 for more information.
REGIONS.COM
Discover a world of information
right at your fingertips at our
newly designed and enhanced
Web site, regions.com.
YOUR ATM CARD
If you had an AmSouth ATM Card, you have already received or
will soon receive a Regions ATM Card with the new Regions logo
and a new card number. Continue using your current Personal
Identification Number (PIN) with your new ATM Card.
The current terms and conditions for the use of ATM Cards are
contained in the enclosed Consumer Disclosure Booklet. You may
also have received, or will receive, these terms and conditions
with your new Regions ATM Card. Otherwise, they will apply to
the use of your current AmSouth ATM Card as of July 13, 2007.
Learn more about the many
financial tools and options
available to you at Regions,
find the nearest ATMs and
branches, calculate how
much mortgage you can afford
and more.
Tip:
Become paperless.
Take the hassle out of receiving your bank statements by mail
with free Regions eStatements – it’s safer and more secure.
View, print or save each month’s checking and savings
account eStatement right online via RegionsNet.®
Collect up to 18 months of eStatements.
Keep all your eStatements in one safe and secure location.
Reduce the risk of mail fraud and identity theft.
Go to regions.com to get started as of July 13.
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8
HIGHLIGHTS
HIGHLIGHTS
YOUR CREDIT CARD
LINES OF CREDIT
If you have not already
received a new credit card
with the new Regions logo,
you will be sent a replacement
shortly before your current
card’s expiration date. Until
then, continue to use your
existing credit card.
These accounts will continue with the same terms and conditions.
If you have a Home Equity Line with card access, continue to
use your current card. Shortly before it expires, you
will receive a new card with the new Regions logo.
If you have line of credit access checks, you can
continue using these to access your line. The next time
you order checks, you will receive checks with the new
Regions logo.
If you have credit insurance or debt protection on your account,
this coverage will continue with the same benefits, rates and terms.
TIME DEPOSITS, CERTIFICATES OF DEPOSIT (CDs) AND IRAs
These accounts will continue with the same interest rate and
term until maturity.
SAFE DEPOSIT BOXES
Interest will continue to be credited on the same schedule and
in the same manner as today.
Your safe deposit box number will remain the same, and you
will continue to use the same keys to access your box, unless
you have already been notified otherwise. Your box rental will
continue under the terms of your current rental agreement.
At maturity, Time Deposits and CDs, including CDs in IRAs,
will automatically renew for the same term at the interest rate
in effect at that time, unless funds are withdrawn at maturity.
Any changes to your rental rate or discounts will be reflected
on your annual safe deposit box rental notice.
Regions will automatically replace AmSouth as your IRA
custodian/trustee.
CHECK VERIFICATION
OVERDRAFT PROTECTION
You may continue to require multiple signatures on your checks.
Beginning July 13, however, Regions will not review paid checks
for multiple signatures.
This valuable service will continue.
Good news! If you currently have overdraft protection through
a savings or money market account, the annual fee for this
service has been eliminated. In addition, the per-transfer fee for
overdraft protection has been lowered for many accounts. Please
see the enclosed Consumer Disclosure Booklet for details.
YOUR NEW CONSUMER DISCLOSURE BOOKLET
For the terms and conditions, fee schedules and interest rate
tiers that will apply to Regions deposit accounts in Alabama
and Florida as of July 13, 2007, please see the enclosed
Consumer Disclosure Booklet.
If you do not have overdraft protection today and would like more
information about this service, call us, visit your branch or go to
regions.com as of July 13.
Tip:
CONSUMER LOANS
These accounts will continue with the same terms and conditions.
How to save on overdraft fees.
Now there will be a tiered schedule for non-sufficient funds
(NSF) fees designed to reward customers who do not often
overdraw their accounts. Here’s an example: the longer you
go without overdrawing your account, the less you may pay
if an overdraft does occur. See the enclosed Consumer
Disclosure Booklet for details.
If you use a loan coupon book to make your payments, please
continue to use your existing coupon book.
If you have credit insurance or debt protection on your account,
this coverage will continue with the same benefits, rates and terms.
The credit card program is issued and administered by FIA Card Services, N.A.
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ACCESS MADE EASY
11
Branches
SOME 2,000 BRANCH LOCATIONS – COMING STATE-BY-STATE
As of July 13, you’ll see new Regions signs on AmSouth and Regions
branches in Alabama and Florida. This will be your indication that you
can bank at any branch location throughout our combined network in
Alabama and Florida. See the Tip below for details.
ATMs
MORE THAN 2,400 ATMS – AVAILABLE RIGHT NOW
Continue to enjoy access to more than 2,400 AmSouth and Regions
ATMs in 16 states with no ATM transaction fees. By July, ATMs throughout
Alabama and Florida will have the new Regions logo, which means you’ll
have access to the full range of services that these ATMs offer.
Easier banking
Tip:
How to access your accounts
during the transition.
We’re combining AmSouth and Regions on a state-by-state
basis to help ensure a smooth transition for you. All phases
of this conversion will be completed by early 2008. Here’s
what you need to know:
For your accounts in Alabama or Florida, you will have
full service banking capabilities at all Regions branches
in these states. Regions branches in states other than
Alabama and Florida will be able to provide some services
at this time.
In addition, you will be able to use AmSouth branches
outside Alabama and Florida.
As always, you will continue to have access to our
combined ATM network for cash withdrawals.
Accounts in states other than Alabama or Florida will be
converted at a later date as we continue to combine our
banking networks. You will be notified in advance of this
conversion if you have affected accounts.
As a customer of the new Regions, you’ll
enjoy more convenient access to your
accounts than ever before. You’ll have
more branches and ATMs, enhanced
online and telephone banking and more.
Most of all, you’ll have access to the
Regions team ... people who have a true
commitment to your success and new
ways to make your financial life easier
and more rewarding for you.
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ACCESS MADE EASY
ACCESS MADE EASY
Telephone Banking
CheckCards
FREE AUTOMATED SERVICE
New 24-hour-a-day phone number:
Beginning July 15, call 1-800-REGIONS (1-800-734-4667)
Personal assistance available:
Monday – Friday, 6:00 am to 7:00 pm CT
Saturday, 6:00 am to 2:00 pm CT
TDD service available: 1-800-374-5791
IRA Service Center: 1-877-472-0034
Monday – Friday, 7:00 am to 5:00 pm CT
YOUR NEW REGIONS CHECKCARD
When you call:
You’ll hear a new menu that will be similar to the one you
use today but with some new options. Just follow the simple
prompts to get to the information you need.
You’ll be asked to enter your Social Security Number and your
Telephone Banking Personal Identification Number (PIN) to
access your account information. Please use your current
AmSouth Secret Code as your PIN. Please note: If you are
currently a customer of both AmSouth and Regions, you will
need to use your Regions Telephone Banking PIN.
Options include:
Balance and recent transaction information for your accounts
Transfers between eligible accounts and bill payment
Branch locations and hours
Open accounts or apply for a loan or credit card
Report a lost or stolen card, and more
Your Regions Visa CheckCard has a new feature that protects you
against fraud online. Verified by Visa allows you to password protect
your CheckCard when making online purchases for added security
and peace of mind. Visit the CheckCard section of regions.com and
click on the Verified by Visa link to register and learn more.
By the end of June, all customers with an AmSouth CheckCard
should have received a new Regions CheckCard with a new card
number. Use your existing Personal Identification Number (PIN) with
your new card for easy ATM access and purchasing convenience.
You’ll continue to earn cash back on every qualifying purchase at
participating retailers or program merchants with built-in CheckCard
Rewards.† Open one of our product packages and earn double your
cash back for one year. See page 19 for more details.
See the card agreement in the enclosed Consumer Disclosure
Booklet for information about the terms and conditions that apply to
CheckCards, including the Visa Zero Liability Policy. You may have
received, or will receive, these terms and conditions with your new
CheckCard. Otherwise, they will apply to the use of your current
CheckCard as of July 13, 2007.
Please remember: If you have provided your AmSouth CheckCard
number to a third party to authorize recurring payments from your
account, you must notify the third party of your new Regions card
number and expiration date.
Statements
YOUR DEPOSIT ACCOUNT STATEMENTS
Your deposit statements will be mailed on the same schedule.
Your statements will have the same information and format, now
with the new Regions logo.
Online banking customers can view check images, front and
back, online. With our free eStatement service, you will also be
able to view up to 18 months of statements online.
The credit card program is issued and administered by FIA Card Services, N.A.
†
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Cash back is available only in connection with purchases made from participating retailers. Cash back
amounts may vary. Subject to CheckCard Rewards Program Terms and Conditions at the program Web
site, available through regions.com or see your banker for details. Other restrictions may apply.
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ACCESS MADE EASY
ACCESS MADE EASY
Online Banking and Bill Pay
ENHANCED ONLINE BANKING THROUGH REGIONSNET®
You will also have these new services:
Initiate stop payments
Right now, continue to use amsouth.com to view your accounts online.
In early June we will be adding a number of enhancements to your
online banking site. You should have already received a separate
communication with more information on these added online
capabilities and features.
Create an alert to notify you when a payment fails or when your
balance goes over or under a specified amount
View balances for Regions mortgage loans
Accumulate, view and report on up to 18 months of
account history
As of July 13, please login at regions.com to do all your online banking.
Continue to use your same Login ID and Password, and your account,
bill pay information and historical data will automatically transfer to
RegionsNet Online Banking.
Generate reports that track and categorize your expenses for you
View the effect of pending or future-dated transactions on your
running balance using the register page
With RegionsNet, you will have access to all of the features that you
are accustomed to and more. Continue to do the following:
Download your account information into Quicken® or
Microsoft® Money
Check real-time balances on checking, savings and CDs
Best of all, RegionsNet Online Banking and Bill Pay are available free
to any customer with a Regions account.
Transfer funds – one time only and recurring to any of your
available accounts
Reorder checks
Pay anyone with bill pay – one time or recurring
View, print or save official account statements
Tip:
Protecting yourself online.
You will receive information about your new online banking
features and benefits, as well as account alerts, via e-mail.
We will never request personal information such as Social
Security Numbers, account numbers, passwords, PINs,
addresses and birth dates from you via e-mail.
And we will never include links to other sites.
It is important that you do not respond to any e-mail request
you receive for personal information, even if it appears to
come from a legitimate source.
If you receive any suspicious e-mails or e-mail requests for
information, please forward the e-mail to [email protected]
or contact us at 1-800-REGIONS (1-800-734-4667).
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E V E RY D AY B A N K I N G AT R E G I O N S
Personal Checking and Savings
For details, visit any branch, click on regions.com or call us
at 1-800-REGIONS (1-800-734-4667).
PERSONAL CHECKING
Account
More solutions
The new Regions has more to offer you —
from better everyday banking to more ways to build
long-term financial security. On the following pages,
you’ll see some of the new choices available to you.
Benefits For You
Free Checking
An easy to use account that can save you
money, too
No monthly fee, no minimum balance
requirement and unlimited checkwriting
Free Interest
Checking
Put your money to work in a free account
that can earn you interest, too
Higher interest rates paid for higher
balances
Preferred Plus
Banking
Packed with benefits and discounts on
additional banking services
Higher interest rates paid for higher
balances
MORLinked
Checking
Earn checking interest based on total
combined balances at Regions and
Morgan Keegan
Automatic sweep to money market
account to earn higher rates
Available when you open one of these Regions accounts:
A free Regions Visa® CheckCard with CheckCard Rewards
Free RegionsNet Online Banking with Bill Pay
24-hour access via regions.com, 1-800-REGIONS and more
than 2,400 Regions ATMs
Free eStatements
Free Check Safekeeping
Installment loan discount with automatic debit
(subject to credit approval)
Up to 60% discount on a safe deposit box rental
(subject to availability)
We are the people you can rely on — now and for
years to come — for new ideas and new financial
strategies to help you enjoy a better life.
We’re here for the long run — and we look forward
to continuing to bring you resources and solutions
that can make a genuine difference for you.
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E V E RY D AY B A N K I N G AT R E G I O N S
E V E RY D AY B A N K I N G AT R E G I O N S
PERSONAL SAVINGS
Account
Savings
Interest compounded daily and
paid monthly
Higher interest rates paid for higher
balances
Low minimum deposit to get started
Money Market
Competitive interest rates, with higher
rates paid for higher balances
Limited checkwriting access
Platinum
Relationship
Money Market
Earn higher interest rates by having a
relationship with us
Waive monthly fees based upon your
account balances
Limited checkwriting access
Certificates of
Deposit
Competitive fixed-rate options
A variety of fixed terms are available to
meet your needs
Bonus rates with selected checking
products
Individual
Retirement
Accounts (IRAs)
Product Packages
Benefits For You
With each of the following packages, you choose your checking and
savings preference, receive a range of special package benefits such
as free RegionsNet Online Banking with Bill Pay, a free CheckCard
and CheckCard Rewards, a no-annual-fee credit card* and more,
plus you can select the additional products and services that you
want most.
Package
Benefits For You
Solutions Package
Flexible and affordable for all walks of life
Legacy Package
Reliable resources for those age 50
and over
Wealth Builder
Package
Powerful tools to help build a bright future
Private Banking
Signature Package
Personalized service and attention for your
unique financial needs
Business Plus
Package
All the essentials for an entrepreneur
Visit your branch or regions.com for more information on these packages.
May be funded with CDs or FDIC-insured
money market accounts
Traditional, Roth and Coverdell
Education Savings options are available
Tip:
Earn double your cash back.
Each Regions product package comes with a free Regions
CheckCard and CheckCard Rewards offering double cash
back for one year when you make purchases with your
CheckCard at participating retailers†. You’re automatically
enrolled when you open one of these packages. Just shop at
a participating retailer and earn double cash back rewards.
You’ll see your extra cash on your monthly statement. See the
CheckCard Rewards section at regions.com for more details.
Available when you open one of these Regions accounts:
Free RegionsNet Online Banking
Free eStatements
Installment loan discount with automatic debit
(subject to credit approval)
Up to 40% discount on a safe deposit box rental
(subject to availability)
*Subject to credit approval. The credit card program is issued and administered by FIA Card Services, N.A.
†
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Cash back is available only in connection with purchases made from participating retailers. Cash back
amounts may vary. Subject to CheckCard Rewards Program Terms and Conditions at the program Web
site, available through regions.com or see your banker for details. Other restrictions may apply.
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E V E RY D AY B A N K I N G AT R E G I O N S
ADDITIONAL FINANCIAL SERVICES
Personal Credit*
Specialized Financial Services
Account
Service
Available at the New Regions
Home Equity
Lines of Credit
Various financing terms to meet your needs
Convenient card access to your line with a
Platinum Visa card†
Link your equity line to your checking
account for overdraft protection†
Lock in your current variable line rate with
a fixed-term rate and payment†
Personal Lines
of Credit
Secured and unsecured options to meet
your financial needs
Can be linked to your checking account for
overdraft protection
Mortgages and
Refinancing
More choices with more convenient
locations to serve you through Regions
Mortgage
Morgan Keegan
& Company
As a securities brokerage and asset
management subsidiary of Regions Financial
Corporation, Morgan Keegan is one of the
nation’s leading full-service investment firms
with more than 400 locations in 19 states.
Morgan Keegan financial advisors
offer expertise to individuals, families
and businesses in the areas of wealth
management, retirement planning, tax
solutions, portfolio management and transfer
of wealth.
Regions
Morgan Keegan
Private Banking
Through Regions Morgan Keegan Private
Banking, relationship managers provide
expertise to individuals, families and
businesses in all areas of wealth
management.
Relationship managers have access to a
comprehensive array of products and services
by working with financial specialists from all
areas of Regions Financial Corporation.
Regions
Morgan Keegan
Trust
At Regions Morgan Keegan Trust, we
seamlessly combine a flexible suite of products
and services, comprehensive corporate trustee
capabilities, and the investment expertise of a
world-class financial services firm.
Trust clients receive the highest level of
service and expertise in estate planning
and other personal trust services; asset
management through our investment adviser
affiliate, Morgan Asset Management; natural
resources and real estate management;
retirement services; all while working with a
full-scale corporate trust firm.
More than 150 varieties of loans
More loan officers available to serve you
Education Loans
For students or parents, we can make
applying for an education loan easy
Personal Loans
A car, a boat, new furniture, a vacation –
turn to Regions for a full range of personal
loan options with a variety of repayment
choices and one of the quickest approval
processes around
Credit Cards
Superior purchasing power and
convenience for all your everyday expenses
and big-item needs
Robust WorldPoints® rewards program with
Ultimate Access benefits™
Zero fraud liability
*Credit accounts subject to credit approval.
†Certain conditions apply. Please visit your branch for details on these features.
The credit card program is issued and administered by FIA Card Services, N.A.
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Available at the New Regions
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22
ADDITIONAL FINANCIAL SERVICES
Service
Available at the New Regions
Regions Insurance
Group
Regions Insurance Group provides
insurance to individuals, families and
businesses, and has the resources and
expertise to protect the most valuable
aspects of your life – your health, your
home and your hard-earned assets.
Products include life and health insurance,
as well as insurance for your home and
automobile.
Foreign Exchange
Our foreign exchange professionals are
experienced and knowledgeable about the
intricacies of fluctuating world currencies.
Use our expertise to handle all of your
foreign exchange transaction needs,
including wire transfers in foreign
currencies, foreign drafts, overseas checks,
foreign currency accounts and bank notes.
The new Regions
Financial products and services are subject to terms and conditions and may be subject to credit
approval. Eligibility and other restrictions may apply. Investment services are provided through
Morgan Keegan & Company, Inc., a subsidiary of Regions Financial Corporation and a member
NYSE and SIPC. Trust services are provided through Regions Morgan Keegan Trust, a trade name
for the Trust Division of Regions Bank. Regions Morgan Keegan Private Banking is a trade name
of Regions Bank. Securities and other nondeposit investment products and insurance products are not
insured by the FDIC or any federal government agency, may lose value, and are not a deposit of or
guaranteed by the bank or any bank affiliate.
No matter what your financial needs, the new
Regions is here to help make your financial life
easier and better for you. We pledge to do our
very best to ensure a smooth transition. And we
promise to bring you more locations, more
choices, more services, and more people
to help you achieve your goals.
Welcome.
We’re happy you’re here at the new Regions.
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If you have questions
or need assistance, please stop by
your branch, call us at
1-800-AMSOUTH
(1-800-267-6884)
or visit amsouth.com
As of July 15, 2007,
call 1-800-REGIONS
(1-800-734-4667)
or visit regions.com
Si desea leer esta información en español, visite regions.com
(haga clic en español), o solícitela en su sucursal.
© 2007 Regions Bank. Member FDIC.
AmSouth Bank is a division and trade name of Regions Bank.
Regions is a registered service mark of Regions Asset Company
and is used under license.
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