Regions Bank has a diversified portfolio and mix of banking products and services which are categorized as:
• Personal banking products
• Small business banking products and
• Commercial banking

Let’s take a view of the products that fall in these categories and see what the bank has to offer. Banking solutions are available to individual clients to take care of their savings and also look after their financial needs. The products that are offered under personal banking include the following:

1. Checking accounts with low account maintenance fees and with no minimum deposit requirements
2. Savings accounts and certificates of deposit offering high rates of interest
3. Money market for investments in stocks
4. Visa check cards to make payments from the accounts directly,
5. Online banking facility
6. Loans and credit lines to meet individual financial needs
7. Loans against home equity
8. Mortgages to buy, build or rebuild a house
9. Insurance products to safeguard assets
10. Wealth management products to invest in a high return source
11. Retirement plans for a secure tomorrow

Individuals benefit from the products at Regions Bank in so many ways. With wealth management they can invest their funds in secure mutual funds or similar products and earn greater returns on their funds. They can secure their retirement with minimal investments and thus ensure themselves a comfortable life after retirement. The bank also safeguards customer investments in the stock market by acting as a mediator. Easy payment options can be availed to make payments for credit cards. Low rate loans can be taken from the bank to facilitate the cash needs in the form of personal loans, vehicle loans, home loans and home equity loans. Accounts can be accessed online via Internet banking thus savings time and effort.

Now we move on to the small business banking products which are being offered by North Fork Bank to small businesses and the like.  Business banking solutions include:

1. Business checking and savings accounts
2. Card services cash management loans
3. Lines of credit to meet business financial needs and goals
4. Leasing to finance business purchases
5. Small business project loans to meet short term and long term financial goals
6. Retirement planning
7. Trust services
8. Insurance plans and so on.

Businesses can avail low cost savings and checking accounts at Regions Bank. Businesses need finance to execute everyday transactions and also for business purchases like those of machinery and equipment; the bank offers financing facilities to cater all of these need. The bank takes responsibility on behalf of the company to carry forward transactions that occur in routine by offering trust services.

So much for the business and individual accounts, we now switch over to the product range offered under the commercial banking category:

1. Deposit services like remote deposit service
2. Treasury management for corporate clients
3. Online services for making payments & checking accounts on the Internet
4. Merchant services which allow acceptance of all major credit and debit cards
5. Global trade finance
6. Corporate trust for companies
7. Equipment financing to finance companies capital equipment
8. Commercial lending
9. Business capital to fund business initiating process
10. Commercial real estate
11. Commercial insurance
12. Retirement services
13. Healthcare banking for employees of corporate clients
14. Agricultural banking
15. Public and non-profit banking

Commercial banking clients benefit equally from the bank’s products and facilities. Region bank is different and a step ahead from other banks in the sense that it provides banking facilities to a broader range of clientele which belong to different sectors of the economy.