Frequently Asked Questions About Regions Bank Routing Numbers
Why does Regions Bank have so many different routing numbers?
Regions Bank's multiple routing numbers reflect the bank's extensive growth through mergers and acquisitions across the South and Midwest. The bank was formed through the merger of three Alabama banks in 1971 - the First National Bank of Montgomery (founded 1871), Exchange Security Bank of Birmingham (founded 1928), and the First National Bank of Huntsville (founded 1856). As Regions expanded into new states, it acquired regional banks that had their own established routing numbers. Rather than consolidating to one number, Regions maintains state-specific routing numbers for ACH transactions while using a single routing number (062005690) for all wire transfers.
What's the difference between Regions Bank's ACH and wire routing numbers?
For ACH transfers, direct deposits, bill payments, and electronic transactions, you must use the routing number specific to the state where you opened your account. For example, if you opened your account in Florida, use 063104668. However, for all wire transfers - both domestic and international - Regions Bank uses a single routing number: 062005690, regardless of your account's state. This dual system helps streamline wire transfers while maintaining regional organization for everyday ACH transactions.
Can I find my Regions Bank routing number on my check?
Yes, your Regions Bank routing number appears as the first nine digits at the bottom-left corner of your checks. This routing number corresponds to the state where you opened your account. Following the routing number, you'll see your account number and then the check number. You can also find your routing number by logging into Regions Online Banking or the Regions Mobile App and viewing your account details.
What is Regions Bank's SWIFT code for international transfers?
Regions Bank's SWIFT code is UPNBUS44 for the head office in Birmingham, Alabama. For the Miami branch, the SWIFT code is UPNBUS44MIA. When receiving international wire transfers, you'll need to provide both the SWIFT code (UPNBUS44) and the wire transfer routing number (062005690) to the sender. Regions Bank does not participate directly in all international corridors, so some transfers may route through correspondent banks, which can add additional fees.
How long do wire transfers take with Regions Bank?
Domestic wire transfers through Regions Bank typically process on the same business day if initiated before the cutoff time. International wire transfers generally take 3-5 business days, though some destinations may take longer depending on the recipient's bank and any correspondent banks involved. Wire transfer cutoff times vary, so check with your branch or online banking platform to ensure same-day processing. Processing times may be longer during holidays or weekends.
