AmericasUnited StatesLicensed-entity research

Regions Bank

Regions Bank (an Alabama-chartered commercial bank; not its parent company, Regions Financial Corporation)

Regions Bank is an Alabama-chartered commercial bank and a member of the Federal Reserve System. Its website publicly lists personal checking accounts and small business checking accounts, with separate account-opening documents for non-U.S. citizen individuals and businesses. Public information supports that it provides banking services in the United States, but does not establish that it accepts non-resident individuals without a U.S. residential address, foreign-registered companies or remote applications from abroad.

Regulator: Federal Reserve System (FDIC BankFind API record shows supervisory agent field REGAGNT=FED; the bank is state-chartered in Alabama and a member of the Federal Reserve System). The FDIC is a source for deposit insurance and institutional listings; the Alabama chartering authority’s registry page was not separately checked for this review.
Check date: 2026-10-26
Verify status: Some information remains to be confirmed: Regions' official guidance for non-citizen individuals, personal online account entry pages and corporate account-opening documents have been checked. Regions Bank's specific active institution record has been verified through the official FDIC API, and its state-chartered banking entity and distinction from its parent company have been cross-checked against SEC annual reports. Official sources also support US CDD, tax and OFAC regulatory baselines. The Alabama licence number/separate entry in the state authority's register has not yet been verified. Regions has not publicly confirmed acceptance policies for non-residents without a US address, overseas-registered companies, non-resident signatories or overseas remote witnessing. Specific tax forms, fees and processing timelines must also be confirmed with the bank.

Research scope and official resources

Topic number:americas-regions-bank

The candidate record describes this as a selection of large U.S. banking groups in The Banker Top 1000 World Banks 2026 (Tier 1 capital basis), without claiming a specific ranking. The candidate is only a selection lead; it does not represent a licensing or account-opening acceptance decision and is not a current global top 100 ranking.

Bank’s official website

Personal Eligibility and Documents

Regions’ banking services page for non-U.S. citizens expressly addresses applicants establishing a life in the United States and requires proof of U.S. residence (such as a utility bill or lease agreement), at least one primary form of identification, and one secondary form of identification. The page lists examples of acceptable documents, including a foreign passport, U.S. visa, employment authorization card, and consular ID. It also mentions international students. The website has a separate online personal account application, but the materials available for review do not confirm whether non-U.S. residents or people without a U.S. residential address can open an account, or whether non-U.S. citizens can complete the entire process online. Eligibility for account categories for U.S. citizens/residents, combinations of identity documents, and state or immigration-status restrictions should also be confirmed through the bank’s current application process. The document examples on the page do not guarantee approval.

Personal information publicly disclosed or identified

Regions’ website expressly states that non-U.S. citizen applicants must provide proof of U.S. residence, such as a utility bill or residential lease agreement.
Regions’ website requires at least one primary form of identification. Examples include a government-issued photo ID, employment authorization card, consular ID, foreign passport, or U.S. visa. The bank should confirm which combinations are actually accepted.
Regions’ website requires at least one secondary form of identification. Examples include a U.S. Permanent Resident Card, U.S. visa, foreign passport, or employment authorization card. The page describes these as examples of acceptable documents; it does not guarantee that they apply to every applicant.
This non-citizen page does not list a complete set of documents, tax numbers, or non-U.S. address documents applicable to all personal account openings. As a general starting point, applicants may prepare an existing passport/government-issued ID, proof of a U.S. address, any applicable taxpayer identification number, and tax-residency information. This is a general preparation suggestion, not a uniform policy published by Regions, and must be confirmed with the bank.

Company eligibility and documents

Regions’ public small-business checking account page says the product is intended for sole proprietors, small businesses, and nonprofit organizations, and lists account-opening documents by entity type, including sole proprietorships, partnerships, LLCs/LLPs, and corporations/associations. The page requires the individual opening the account and signers to provide identification and personal information. It also lists entity registration documents, authorization documents, and, where applicable, beneficial owner information. The public page does not confirm eligibility for foreign-registered businesses, entities without a U.S. place of business, foreign controllers, or nonresident signers, nor does it disclose all business-sector or country restrictions. First obtain written confirmation from Regions that the specific entity structure, place of registration, place of business, and signer are eligible to apply. Do not infer that a foreign company can open an account merely because the product is intended for “small businesses.”

Company information publicly disclosed or identified

Regions’ website requires the individual opening the account (except for public funds accounts) to provide valid identification, name, date of birth, address, SSN or taxpayer identification number, and secondary identification. New signers must also provide valid identification and the personal information listed above.
Sole proprietorship: The page lists the account-opening individual’s details, a business licence (if any) or Regions Warranty Document, and fictitious-name registration where applicable.
Partnerships: The page lists valid entity identification and account-opening and signatory information. It also lists optional evidence such as a Filed Statement of Partnership, Partnership Authority/Existence, Filed Partnership Agreement, Partnership Registration Statement, or Regions Warranty Document, and, where applicable, fictitious name registration.
LLC/LLP: The page lists copies of original articles of organization, formation documents, or certificate of registration; fictitious-name registration where applicable; documents authorising the entity to use deposit or fee-based services; and beneficial owner information.
Company: The page lists original articles of incorporation/certificate of registration, a copy of the corporate charter or formation documents, fictitious name registration where applicable, authorization documents, and beneficial owner information. The associations/organizations page lists evidence such as articles of organization or association formation documents.
Regions’ business page describes beneficial owners as individuals who own 25% or more of the entity or exercise substantial control over it (for example, a senior executive), where applicable. These are the items listed on that page; the page does not fully confirm requirements for certification or translation of foreign registration documents, foreign tax identification numbers, ownership charts, proof of source of funds, or the final documentation requirements for particular companies.

Address, tax, and remote / witnessed procedures

Address and tax

For individuals who are not U.S. citizens, Regions publicly requires proof of a U.S. residential address, citing a utility bill or residential lease agreement as examples; that page does not confirm that an overseas address alone is sufficient to open an account. Regions’ business account page requires the individual opening the account and signatories to provide an SSN or taxpayer identification number, but this does not confirm which foreign-entity tax identification numbers may be accepted. For U.S. tax reporting, the IRS explains that Form W-9 is used to provide a correct TIN to a person required to file an information return; the IRS states that a foreign individual must submit Form W-8BEN to a withholding agent/payer upon request when they are the beneficial owner of relevant payments subject to withholding. Form W-8BEN should not be described as a document required for every Regions deposit account. The bank’s requirements concerning applicants’ tax-residence status, U.S./foreign TINs, self-certification and specific tax forms are not fully published and must be confirmed for each application.

Remote / witnessing

The official website provides an online account-opening option for personal accounts and describes online and mobile banking. This is not a commitment to remotely open accounts for foreign residents or companies based overseas. Regions' page for noncitizens lists identification and U.S. residence documents, but the content reviewed did not confirm the application channel, whether originals can be verified remotely, or whether overseas notarization, video witnessing, third-party witnessing, or mailing originals is accepted. Do not assume that global video account opening or third-party witnessing is available; confirm with the bank where applicants must appear and how their identities will be verified.

Public process reference

Personal: First compare account types on Regions’ personal account-opening page. If you are a non-U.S. citizen, prepare proof of U.S. residence and primary and secondary forms of identification in accordance with its non-citizen guidance. The presence of an online application route does not mean that non-citizens or foreign residents are eligible to apply online.
Businesses: First confirm the business's legal form, then prepare the account holder, signatory, entity registration, authorization, and applicable beneficial owner documents for the corresponding category on Regions' small business checking account page.
Before submitting an application or remittance, confirm with a Regions branch/bank representative whether nonresident individuals and foreign-registered companies are accepted, and verify the residence of controllers/signers, acceptable tax identification numbers, in-person verification requirements and eligibility for the specific account product. Public pages do not fully describe these cross-border situations.
Regions’ public pages do not provide processing times applicable to all of the cross-border application scenarios described above; this profile does not estimate approval times.

Compliance topics, details, and sources

U.S. Bank Customer Identification, Anti-Money Laundering, and Ongoing Due Diligence

FinCEN’s explanation of the U.S. CDD Rule for covered financial institutions identifies its core requirements: identify and verify customer identity; establish the nature and purpose of the customer relationship and develop a risk profile; conduct ongoing risk-based monitoring and update information; and, where applicable, identify and verify beneficial owners of legal-entity customers. The FinCEN page also lists exemption relief, so the rule should not be reduced to a single process used for every account at every opening. Regions’ internal risk scoring, additional-document, and approval policies for individuals or businesses have not been made public.

Source:FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Business beneficial owners, controllers and source of funds

Regions’ business account page expressly requires beneficial ownership information where applicable and gives holders of 25% or more of the equity and persons with significant control as examples of its definition. FinCEN’s CDD rule provides the regulatory context for U.S. banks’ verification of beneficial owners of legal entity customers. The Regions pages reviewed do not publish a standard source-of-funds document checklist. The bank may still request information on source of funds, business activities and transaction purposes as part of risk review; confirm the specific requirements in writing.

Source:Regions Bank — Business checking accounts ；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

U.S. TIN, Tax Identity Documents, and the FATCA/CRS Distinction

Regions’ business account page requires the individual opening the account and signers to provide an SSN or taxpayer identification number (except for public funds accounts). The IRS says Form W-9 is used to provide the correct TIN to a person required to file an information return; when a foreign individual is the beneficial owner of income subject to withholding, the withholding agent/payer may request Form W-8BEN. The IRS describes the U.S. FATCA framework; this information does not establish that Regions requires a particular tax form for all deposit accounts. The United States is not described here as a CRS participating jurisdiction. The public pages reviewed do not disclose Regions’ specific treatment of cross-border tax-residency information for this applicant, including any exchange or reporting; confirm with the bank and a tax adviser.

Source:Regions Bank — Business checking accounts ；IRS — About Form W-9 ；IRS — About Form W-8 BEN ；IRS — Foreign Account Tax Compliance Act FATCA ；OECD — CRS by jurisdiction

U.S. OFAC Sanctions Screening, Account-Opening Restrictions, and Transaction Processing

OFAC’s official FAQ for banks explains that U.S. financial institutions may not open accounts for persons listed on the SDN List or other blocked persons; funds in which a blocked person has an interest must be blocked, while certain unlawful transactions must be rejected. This is a U.S. sanctions-law baseline; it does not indicate any known outcome of a review of a particular applicant or a current case at Regions. Applications and subsequent transactions may be reviewed for sanctioned parties, ownership, funds flows, and transaction purpose.

Source:U.S. Treasury OFAC — Blocking and Rejecting Transactions FAQs

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide concerns Regions Bank’s publicly offered U.S. banking services for non-U.S. citizens and small-business checking accounts. The personal page for non-U.S. citizens requires proof of U.S. residence, and the business page lists documents commonly required to open accounts for U.S. entities. This public information does not confirm eligibility for individuals without a U.S. residential address, foreign-incorporated companies, or nonresident signatories; verify with the bank first. Mr. Tang can personally follow up on documents and appointments, explain fees in advance, and confirm the appointment time, but cannot guarantee that the bank will open an account.

Date information checked:2026-10-26

Information evidence package

Personal identity and US residence information

Who it applies to: Applicants described in Regions’ guidance for opening accounts for non-U.S. citizens are those establishing a life in the United States; this does not confirm eligibility for non-residents abroad.
Documents to Prepare: The bank expressly recommends preparing proof of a U.S. residential address, such as a utility bill or residential lease agreement.
The bank expressly states that at least one primary and one secondary identity document are required. Webpage examples include a foreign passport, U.S. visa, employment authorization card, consular ID, and permanent resident card; the specific combination must be confirmed.
As a preparation suggestion, bring the original identification documents you currently hold and check that the name spelling, address, and application information are consistent. If a document is not in English, first ask the bank whether translation or certification is required.
Description: The first two items are expressly stated on the Regions website, but the listed identification documents are examples and do not guarantee approval for any identity status. Verification of originals, translation format and document validity periods are not specified on that page.

Source:Regions Bank — Non-citizen banking

Business entity, signatories and control-chain information

Who it applies to: Sole proprietorships, partnerships, LLCs/LLPs, corporations, or nonprofit organizations intending to apply for a Regions small business checking account; this does not imply that foreign-registered entities may apply.
Documents to Prepare: The bank expressly requires the account opener and any new signers to prepare valid identification, name, date of birth, address, SSN or taxpayer identification number, and secondary identification (except for public funds accounts).
Depending on the entity type, prepare registration or formation documents: for example, articles of organization/certificate of formation for an LLC; articles of incorporation or a certificate of incorporation for a corporation; a filed partnership statement, partnership agreement, or other listed proof of existence/authority for a partnership; and articles of incorporation or formation documents for a nonprofit organization.
The bank expressly recommends preparing, where applicable, a fictitious name registration, documents authorizing the entity to use deposit or fee-based services, and beneficial owner information. Checklist details vary by entity type.
Description: Regions’ website lists documents for common U.S. entity types and describes beneficial owners as individuals who own 25% or more of the entity or exercise substantial control over it (for example, a senior executive). The website does not state whether foreign registration documents must be certified, translated, or legalized; do not present suggested documents as a mandatory bank checklist.

Source:Regions Bank — Business checking accounts

Business legitimacy and explanation of initial funds (preparation suggestion)

Who it applies to: For suggestions to help reduce back-and-forth requests for additional documents only; this is not a list of documents that Regions has publicly stated must always be submitted.
Documents to Prepare: Prepare a one-page business description specifying the products/services, locations of customers and suppliers, intended payment and collection purposes, and estimated monthly transaction volume.
For the actual business, prepare recent contracts, invoices, orders, business website/marketing materials, and company account statements or other mutually corroborating documents.
Prepare an explanation of the source of the initial deposit and supporting evidence, such as shareholder contribution records, proof of business income or asset sale documents. Submit only materials relevant to your circumstances.
Description: FinCEN rules address the purpose of customer relationships, risk profiles, and risk-based ongoing due diligence. The Regions account-opening page reviewed does not publish a standardized source-of-wealth, initial-deposit source, or transaction forecast document checklist. Ask the bank first whether such materials are needed and what formats it accepts.

Source:Regions Bank — Business checking accounts；FinCEN — Exceptive Relief from Requirement to Identify and Verify Beneficial Owners at Each Account Opening, FIN-2026-R001

Due diligence and enhanced verification

Beneficial Owners and Controllers

Basis for Verification: Regions’ business page says to provide beneficial ownership information where applicable and gives holders of 25% or more of the equity and persons with significant control as examples. FinCEN’s 2026 exemption relief order allows covered institutions to identify and verify beneficial owners at initial account opening, when the reliability of existing information is reasonably questioned, or when required by their risk-based ongoing due diligence procedures. This relief does not prohibit banks from continuing to collect the information at every account opening; we found no indication whether Regions has adopted it.
Preparation recommendation: Prepare a shareholding chart tracing each level down to natural persons and showing direct/indirect percentages. Attach a register of members, shareholder register, or registration records, and prepare identity information for controllers and account applicants/signatories. If you already hold an account with the same bank, bring previous beneficial ownership information and be prepared to confirm whether it has changed; do not assume that repeat completion can be waived.
Scope: The bank expressly sets out its business website requirements and U.S. CDD regulatory rules. Confirm with the bank whether Regions has adopted the FinCEN relief from exceptions and how it affects the specific account-opening process.

Source:Regions Bank — Business checking accounts；FinCEN — Exceptive Relief from Requirement to Identify and Verify Beneficial Owners at Each Account Opening, FIN-2026-R001

Business purpose, expected transactions, and source of funds

Basis for Verification: FinCEN's exception relief does not eliminate risk-based ongoing customer due diligence, transaction monitoring, or the risk-based maintenance and updating of customer information. The Regions business account-opening page reviewed does not disclose a standardized list of source-of-funds or source-of-wealth documents.
Preparation recommendation: As a preparation suggestion, explain the account’s purpose, main sources of funds, counterparties’ locations, and expected frequency/amounts of receipts and payments. Support this with verifiable documents such as contracts, invoices, payroll records, or evidence of shareholder contributions. If actual transactions differ significantly from expectations, retain explanations and supporting documents.
Scope: Ongoing due diligence is a regulatory requirement for covered institutions; the materials above are suggestions for applicants preparing an application. Regions decides on a case-by-case basis what must be submitted.

Source:FinCEN — Exceptive Relief from Requirement to Identify and Verify Beneficial Owners at Each Account Opening, FIN-2026-R001；Regions Bank — Business checking accounts

Sanctions screening and sensitive-list matching

Basis for Verification: OFAC explains that U.S. financial institutions may not open accounts for SDNs or other blocked persons; if a bank holds property in which a blocked person has an interest, it may be required to block it, while certain prohibited transactions must be rejected. OFAC also notes the need to distinguish true matches from false positives. Regions has not disclosed the screening standards or document-request procedures applicable to this applicant.
Preparation recommendation: Prepare the legal names, aliases, places of incorporation, and identity information for the company, controllers, signatories, and main payers; if a similar name causes a false match, prepare details that can distinguish the identities, such as dates of birth, nationalities, addresses, and registry documents.
Scope: U.S. sanctions law baseline; this does not mean that any applicant has been screened or that a screening result has been determined. Regions’ PEP review policy and the effect of PEP status on an individual case have not been confirmed in the materials reviewed and should be asked about separately.

Source:U.S. Treasury OFAC — Blocking and Rejecting Transactions FAQs

Scope for non-citizen individuals and cross-border entities

Basis for Verification: Regions’ page for non-U.S. citizens expressly requires proof of U.S. residence and is intended for applicants establishing a life in the United States. Although its business page covers common small-business entities, it does not confirm eligibility for foreign-registered businesses, businesses operating outside the United States, or nonresident signers.
Preparation recommendation: Before booking, individuals should state their actual place of residence and immigration/tax status; businesses should state their place of incorporation, actual place of operation, principal shareholders/controllers and signatories’ places of residence. You may prepare incorporation documents, proof of address and tax identification information in advance, but first clarify which countries, number types and certification/translation formats the bank accepts.
Scope: The scope supported by the bank’s published pages; cross-border eligibility, acceptable foreign tax identification numbers and remote verification methods have not been confirmed.

Source:Regions Bank — Business checking accounts；Regions Bank — Non-citizen banking

Ongoing maintenance obligations

Changes to customer information and beneficial owners

FinCEN requires covered institutions to maintain and update customer information based on risk and include beneficial ownership information in ongoing due diligence. The 2026 relief allows re-identification or verification when there is reasonable doubt about the reliability of existing beneficial ownership information or when risk procedures require it. As a customer-preparation recommendation, after changes to ownership, control persons, signers, address, business, or tax information, promptly confirm the update channel with Regions and retain submission records. The bank's notification deadlines, periodic review schedule, and specific update forms were not verified in this review.

Source:FinCEN — Exceptive Relief from Requirement to Identify and Verify Beneficial Owners at Each Account Opening, FIN-2026-R001

Transaction activity and supporting records

The bank is subject to risk-based ongoing monitoring and suspicious transaction identification obligations; funds or transactions restricted by sanctions may be frozen or refused as required by law. As an account-maintenance practice, retain contracts, invoices, remittance purposes, key counterparties, and source-of-funds records, and be ready to explain promptly any transaction that differs significantly from what was stated at account opening. Regions’ specific monitoring triggers, notification methods, and account restriction procedures are not public.

Source:FinCEN — Exceptive Relief from Requirement to Identify and Verify Beneficial Owners at Each Account Opening, FIN-2026-R001；U.S. Treasury OFAC — Blocking and Rejecting Transactions FAQs

Please confirm with the bank before booking

Does Regions accept individuals who are not U.S. citizens and have no U.S. residential address, or applicants providing only a foreign address? Which states, statuses, and product categories are eligible?
Can an offshore-registered company, an offshore operating business, or a non-resident signatory apply for a small business chequing account? What jurisdictions of incorporation and industry sectors does the bank accept?
What current registration, authorisation, and beneficial-owner forms are required for this specific entity type? Are electronic or certified copies accepted, and must foreign documents be translated into English, notarised, or authenticated?
What combinations of SSN/tax numbers are accepted for the account holder, signatory, and beneficial owner? Must non-U.S. tax residents provide a foreign tax number or a specific tax self-certification?
Does Regions adjust duplicate beneficial ownership verification when the same business opens multiple accounts under the FinCEN 2026-year relief? What changes trigger resubmission?
Is in-person attendance required for the appointment and identity verification? How should remote applications, verification of overseas documents, initial deposits, fees and estimated processing times each be confirmed?

Not confirmed by public information

Regions has not publicly confirmed eligibility to open an account for individuals without a U.S. residential address, foreign companies, entities operating outside the United States, or nonresident signers. Its page for non-U.S. citizens requires proof of U.S. residence.
An online account-opening portal or online banking service does not constitute a commitment to overseas remote account opening, video witnessing, overseas notarization/authentication or submission of originals by post; these channels were not verified in this review.
The bank has not published a source of funds/source of wealth supplementary document checklist applicable to all entities, PEP case procedures, industry/country risk preferences, or internal approval limits.
FinCEN's 2026 exception relief gives banks discretion; it does not establish that Regions has adopted it. Banks may still require repeated or additional beneficial ownership information under their own risk procedures.
Confirm specific account fees, minimum balances, document validity periods, translation and authentication requirements, processing times, and information-update frequency with Regions. The 100-dollar opening amount advertised on the business webpage should not be applied to other products or individual cases.

Sources & Scope of Verification

Regions Bank — Business checking accounts
Regions’ business checking account page lists account holders’ and signatories’ identification information, entity formation/authorization documents and, where applicable, beneficial ownership information by entity type; it gives holders of 25% or more of the equity and persons with significant control as examples. It does not confirm eligibility for foreign applicants or additional source-of-funds documents.
Regions Bank — Non-citizen banking
Regions’ guidance for non-U.S. citizens requires proof of U.S. residence and at least one primary and one secondary form of identification, lists examples of documents, and is intended for applicants establishing a life in the United States. It does not confirm that people without a U.S. address can open an account.
FinCEN — Exceptive Relief from Requirement to Identify and Verify Beneficial Owners at Each Account Opening, FIN-2026-R001
FinCEN 2026-02-13 official order: Covered institutions may identify and verify beneficial owners at initial account opening, when there is reasonable cause to question the reliability of existing beneficial ownership information, or as required by risk-based ongoing due diligence procedures. Other AML/CFT obligations, including risk-based maintenance and updating of customer information, continue to apply. The order does not mean that Regions has adopted the exemption.
U.S. Treasury OFAC — Blocking and Rejecting Transactions FAQs
Question 42 of the official OFAC FAQ states that accounts must not be opened for SDNs or other blocked persons, explains the handling of funds in which blocked persons have an interest, and addresses verifying true matches and false positives; question 36 states that certain transactions that are prohibited but do not involve a blockable interest should be rejected.

Fees and timelines

Regions’ small-business checking account overview page states that an account can be opened “with a $100 deposit.” This is the publicly advertised amount for small-business checking accounts on that page, denominated in the U.S. account currency as 100 dollars. It cannot be taken to establish the final minimum deposit for all business structures, personal accounts, or applicants from outside the United States. The page also says to refer to each product’s Quick Guide for details. The available information did not allow complete confirmation of the account-opening, maintenance, or wire fees, minimum balances, limits, or processing times applicable to a particular applicant; the advertised amount must not be treated as a guarantee of approval. Verification date: 2026-10-26.

Limitations and practical considerations

Regions’ guidance for non-U.S. citizens requires proof of U.S. residence; the available public evidence does not confirm whether nonresidents without a U.S. residential address can apply.
Although Regions’ business page lists various U.S. business structures and business documents, it does not confirm eligibility for foreign-registered companies, businesses operating abroad or foreign signatories.
The personal online account-opening portal does not establish that non-citizens, non-residents, or applicants abroad can complete account opening remotely; video witnessing, overseas notarization, mailing original documents, and applications through an agent have not been verified.
Deposit institution records and public product descriptions do not constitute account approval, an opinion on the scope of a licence or a commitment to this applicant. Regions’ public channels are also not channels that Rengangyongsheng currently offers for appointments or handling applications.
Eligibility, required documents, product fees, and accepted countries may change. Before applying, Regions must confirm in writing the specific applicant, company registration jurisdiction, tax-residency status, and business model.

Licensing evidence and regulatory verification

A specific FDIC-insured depository institution record has been verified, rather than merely locating the directory landing page: a query of the FDIC Banks API using CERT=12368 returned a unique match, NAME=Regions Bank, ACTIVE=1, STNAME=Alabama, CHARTER=0, REGAGNT=FED; the API dataset index date is 2026-10-23. The latest SEC annual report also states that Regions Bank is an Alabama-chartered commercial bank and a member of the Federal Reserve System. CERT 12368 is an FDIC institution/insured-depository record number and should not be treated as a state bank licence number. No state charter certificate number was verified in this search, nor was an independent register check conducted with the Alabama state authority.

Federal Reserve System (FDIC BankFind API record shows supervisory agent field REGAGNT=FED; the bank is state-chartered in Alabama and a member of the Federal Reserve System). The FDIC is a source for deposit insurance and institutional listings; the Alabama chartering authority’s registry page was not separately checked for this review. Official registration or record

Information sources

Regions Bank — Non-citizen banking
Regions’ banking services page for non-U.S. citizens; expressly specifies proof of a U.S. residence (utility bill/lease agreement) and primary and secondary identification requirements, lists examples of identity documents, and provides information about account opening for international students.
Regions Bank — Open a Bank Account Online
Regions publicly lists personal checking, savings and CD accounts, among other products, and an online account-opening link; this does not support an inference that all non-U.S. citizens or people living abroad can apply online.
Regions Bank — Business checking accounts
Regions’ small-business checking account page describes eligible customers, the advertised $100 deposit, and information required from the individual opening the account and signers. It separately lists entity documents, authorization documents, and, where applicable, beneficial owner information for sole proprietorships, partnerships, LLCs/LLPs, corporations, and organizations.
FDIC Banks API — Institutions, CERT 12368
The official agency API returns a unique match for Regions Bank: CERT=12368, ACTIVE=1, STNAME=Alabama, CHARTER=0, REGAGNT=FED. The dataset index date is 2026-10-23. This supports identification of a specific FDIC institution record; the certificate number is not presented as a state license number.
Regions Financial Corporation — 2025 Form 10-K, SEC filing
A public SEC annual report states that Regions Financial Corporation is a holding company and that its banking business is conducted by Regions Bank. It says that Regions Bank is an Alabama-chartered commercial bank and a member of the Federal Reserve System, and states that its deposits are insured by the FDIC and discloses the applicable limits.
FinCEN — Information on Complying with the Customer Due Diligence Final Rule
U.S. CDD regulatory background: customer identification and verification, due diligence on beneficial owners of legal-entity customers, customer relationship risk profiling, and ongoing monitoring; the page lists relevant exemption relief.
IRS — About Form W-9
The IRS states that Form W-9 is used to provide a correct taxpayer identification number (TIN) to a person required to file an information return with the IRS.
IRS — About Form W-8 BEN
The IRS states that a foreign individual submits Form W-8BEN when requested by the withholding agent or payer, if the individual is the beneficial owner of payments subject to withholding.
IRS — Foreign Account Tax Compliance Act FATCA
The IRS’s official overview of U.S. FATCA includes reporting by foreign financial institutions of information about U.S. account holders and the related framework for reporting offshore accounts by U.S. taxpayers; this does not support inferring that Regions requires the same forms from every deposit customer.
U.S. Treasury OFAC — Blocking and Rejecting Transactions FAQs
OFAC’s bank FAQ explains that accounts may not be opened for SDNs or other blocked persons and distinguishes between blocking and rejecting transactions, including the related handling obligations.
OECD — CRS by jurisdiction
Official OECD directory of CRS implementation information organised by jurisdiction; used to distinguish the CRS framework from the FATCA framework described by the US IRS. The dynamic page body extraction in this review did not show the complete jurisdiction rows, so it was not used to claim how Regions accounts are handled for CRS reporting, nor was the United States identified as a CRS participating jurisdiction.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information remains to be confirmed: Regions' official guidance for non-citizen individuals, personal online account entry pages and corporate account-opening documents have been checked. Regions Bank's specific active institution record has been verified through the official FDIC API, and its state-chartered banking entity and distinction from its parent company have been cross-checked against SEC annual reports. Official sources also support US CDD, tax and OFAC regulatory baselines. The Alabama licence number/separate entry in the state authority's register has not yet been verified. Regions has not publicly confirmed acceptance policies for non-residents without a US address, overseas-registered companies, non-resident signatories or overseas remote witnessing. Specific tax forms, fees and processing timelines must also be confirmed with the bank.
Author: Drew

Appointment

Check Applicability Before Booking

For standard service pricing, please contact Drew at Rengangyongsheng (Hong Kong) Limited. The appointment is for discussing document preparation and possible routes; it does not mean the bank will accept or approve an application.

Book a consultation with Drew

View the Compliance & Supporting-Documents Checklist Back to Overseas Bank Guides