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Disclosures and Agreements

Fee Schedule


The following fees and charges may be assessed against your account:

Check printing fees vary by the style of check ordered.

An overdraft fee of $18.00 will be charged per item for covering overdrafts created by check or draft, in-person withdrawal, ATM withdrawal, or other electronic means. We may charge you an overdraft fee for each resubmission of a debit or re-presentation of an item, which means you may incur multiple overdraft fees or if a debit or item is returned more than one time. A return fee of $18.00 will be charged per item for processing and returning overdraft items created by check or draft, in-person withdrawal, ATM withdrawal, or other electronic means. We may charge you a return fee for each resubmission of a debit or re-representation of an item, which means you may incur multiple return item fees if a debit or item is returned more than one time.

Bank Deposit Confirmation


Business Bill Pay Monthly Fee


Cashier’s Check


Chargeback Items


Collection Items Incoming/Outgoing


Dormant Account Fee (Monthly Fee on Dormant Account Balances Less than $100)


Duplicate Statement (per statement)


Fax – Incoming


Fax – Outgoing




Image Check Copies (per copy)


Money Order


Negative Account Balance (after 7 days, charged per day)


Night Depository Bag – Locking Top


Night Depository Bag – Zipper Close


Paper Statement Fee


Replace Regent Debit Card


Research/Account Reconciliation – First Hour ($25.00 Minimum)


Research/Account Reconciliation – Per Hour After First


Return Mail Fee


Stop Payment Request


Temporary Checks


Wire Transfer – Incoming


Wire Transfer – International Incoming


Wire Transfer – International Outgoing


Wire Transfer – Outgoing


Overdraft Protection Disclosure

Regent Bank offers standard overdraft protection services that accompany your account. This notice explains those services and overdraft practices in detail. An overdraft occurs when you do not have enough money in your account at cover a transaction, however we will pay those items with overdraft protection.

We can cover your overdraft in different ways:

  1. We have standard overdraft services that come with your account.
  2. We also offer overdraft protection plans, such as a transfer of a savings account, which may be less than our standard overdraft service. To learn more, ask one of our bank representatives about these plans.

An overdrawn/negative balance may result from:

  • The payment of checks
  • Electronic funds transfers
  • Other withdrawal requests
  • Payments authorized by you
  • The return/unpaid of items deposited by you
  • Our Fees/Charges
  • The deposit of items which according to our Funds Availability Policy, are treated as not yet “available” or finally paid

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning any non-sufficient fund (NSF) items that you may have we will consider, without obligation on our part, approving your reasonable overdrafts; as a purely discretionary overdraft “service” or “courtesy”.

This discretionary service will generally be limited to a $500 overdraft balance for Free Checking or Rewards Checking accounts or $700 overdraft balance for other eligible personal checking accounts. Any and all fees and charges, including without limitation our non-sufficient fund/overdraft fees will be included in this limit and will apply to any transaction that may overdraw your account.

To be eligible for Regent Bank’s Overdraft Protection Service, the following conditions must be met:

  • The eligible account has been open at least 30 days
  • At a minimum, two deposits made into the account
  • $500 overdraft limit for Free Checking or Rewards Checking account; at least one deposit totaling $750.00 or more
  • $700 overdraft limit for other eligible personal checking account; at least one deposit totaling $1050.00 or more
  • The account maintains in good standing status (positive balance), and does not become overdrawn within 30 days of the account being open
  • You are not in default on any loan obligation to Regent Bank
  • Your account is not the subject of any legal or administrative order or levy

We may refuse to pay an insufficient item for you at any time, even if your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail of any non- sufficient fund items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item.

If there is an overdraft paid by us on an account with more than one owner on the signature card, each owner, and agent if applicable, presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).


Under our standard overdraft service, fees that will be assessed are:

  • We will charge you a fee of up to $18.00 each time we pay an overdraft. We may charge you NSF fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple NSF fees.
  • There is a limit of $90.00 on the total fees we can charge you for overdrawing your account per day.
  • Any and all fees will impact the prearranged overdraft limit applied to the account along with the amount of the insufficient item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand.


Savings Type Accounts, Money Market Accounts, Public Fund/Charitable Organization Accounts, Student Minor Accounts, and other Minor Accounts (not of legal age) are not eligible for Overdraft Protection Services. We may limit the number of accounts eligible for Overdraft Protection Services to one account per household and/or one account per taxpayer ID.

Overdrafts are created by checks, ACH, ATM withdrawals, everyday debit card transactions, in-person withdrawals, or by other electronic means. Transactions may not be processed in the order in which they occurred. The order in which transactions are processed may impact the total amount of fees incurred. More than one overdraft fee may be charged against an account each day.


The order in which items are presented may affect the total fees assessed to your account. The first items that we pay are ATM withdrawals, debit card transactions, and any checks cashed by our employees or that you have written to us. We then pay any items that were submitted electronically, such as ACH items, preauthorized automatic transfers, telephone-initiated transfers and any other electronic transfers. Finally, we pay the remaining items based on the checks serial number, smallest to largest.


You may apply for overdraft protection from an established line of credit account and/or funds transfer from a designated asset account. If you qualify for these services, you may save money no the fees/charges you pay us for overdraft protection.


Our Overdraft Protection Service does not constitute an actual or implied agreement between you and us. This service represents a purely discretionary service or courtesy that we may provide to you from time to time and which may be withdrawn or withheld by us at any time; without prior notice, reason or cause.


You may choose at any time not to participate in Regent Banks’ Overdraft Protection Service by notifying one of our Regent Bank Client Service Representatives.


Overdrafts should never be used to finance ordinary or routine expenses and you should not rely on overdrafts to cover these expenses. If at any time you feel you need assistance with your financial obligations, please contact the Regent Bank Client Support Center at 877-488-4790.