Regions Bank, Union City Branch

Name:Regions Bank, Union City Branch
Full Service Brick and Mortar Office
Review:172 client reviews
Location:1702 West Reelfoot Avenue
Union City, TN 38261

Obion County
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Phone:800-734-4667
Office Hours:Mon: 08:30 to 16:30
Tue: 08:30 to 16:30
Wed: 08:30 to 16:30
Thu: 08:30 to 16:30
Fri: 08:30 to 17:00
Sat: 09:00 to 12:00
Drive-up Hours:M-Th 8:30-4:30
F 8:30-5:00
S 9:00-12:00
Su NA
FDIC Cert:#12368
Established:1934-12-01


The Bank

Name:Regions Bank
Concentration:Commercial Lending Specialization
Established:1928-01-01
FDIC Insurance:1934-01-01
Holden By:Regions Financial Corporation
Charter Class:Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
# of Branches:1647, view all, view on map
Website:http://www.regions.com
Total Assets:$118,801,412,000
Total Deposits:$96,443,142,000
Total Equity Capital:$16,117,646,000
Total Domestic Office Deposits:$96,178,217,000
Net Income:$1,307,339,000
Quarterly Net Income:$291,539,000
Return on Assets:1%
Quarterly Return on Assets:1%
Return on Equity:8%
Quarterly Return on Equity:7%
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Client Review

172 client reviews of Regions Bank scored 2 out of 5.

Regions by default
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by chorton65, Jul. 03, 2015

Originally I established an account with the Bank of Huntsville which was subsequently purchased by AmSouth Bank who in turn was purchased by Regions Bank. I have been a faithful customer of these banks for over thirty years. Some years ago (10-15) I took out a home equity loan with a limit far exceeding my expected needs. I have used this loan for home improvements, auto purchases, rental property purchases, etc. I have made payments regularly, never been late and usually made payments far beyond the amount due. Recently I received notice that my loan must be renewed or it would be cancelled and the remaining balance due immediately. Not in need of the loan but thinking I would keep it in effect in case some need did arise I submitted income tax records, copies of rental contracts on property I own and signed papers permitting the bank to further examine my tax records if necessary.

After jumping through these hoops I continued to receive notices that my loan would soon be terminated if I did not attend to the banks requests. I subsequently received notice from Regions Bank that my loan had not been approved. My credit rating if 811 out of 850. I have no loans, all rental properties and home are paid off, I pay all credit cards (3) completely every month and am financially secure. The bank relied on TransUnion Consumer Relations in Chester, Pa. to make their decision. The reasons given for my not being approved were 1) Lack of recent information on installment accounts. I have no installment accounts. 2)Too many accounts with balances. I have no accounts with over a 30 day balance. 3) Proportion of revolving balances to revolving credit limits is too high. I have no revolving balances, have no idea what this could possibly refer to.

How sad that having a 30 year good relation with a bank and an 811 credit score does not qualify. The decision to reject my request was based on some dude sitting in a cubicle in Pennsylvania 800 miles away dealing with erroneous data. My relationship with the local bank and its employees have been very good. Apparently Regions Bank has no faith in "on the ground" loan officers to make evaluations on loans, but rather relies on someone who has no real knowledge of my character, track record, standing in the community or any other factor on which loans used to be approved. Not sure I will find it but I have started to search for a bank where I can deal with a loan officer on a truly personal basis. Regions Bank is too big and I would not recommend it.

* this reviewer has be with this bank for >10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Regions Bank, Hampton Cove Branch at Owens Cross Roads, AL
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a 45 minute ordeal for a very simple banking need
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by captainthrall, Jun. 19, 2015

I was forced to visit this branch on six separate occasions within a 2 week time-period.  On 4 out of 6 of the occasions there was a "problem."  My interactions began with a greeting from Hope, the obese cashier, "Hi, welcome to regions!"  I stepped forward to the counter only to be told, "I'm on lunch, you will have to wait."  This was at 3:30pm.  I was the only customer in the bank, yet I was forced to wait 15 minutes for another banker to meander to the service desk.  The natural question arose:  if this woman was on lunch break, why did she greet me, and why was she sitting at the counter for the entire duration of my visit?

On my next visit, the obese Hope greeted me again, and informed me once again that she couldn't help me because she was leaving for lunch.  This time it was 12:00pm so the lunch excuse made slightly more sense, but there was no apology.  After several minutes passed, I was helped by a short, flamboyant Mexican man named Ricardo.  After shuffling around and punching endless keystrokes into his computer, Ricardo informed me that he was "locked out of the computer system."  I stood and waited... and waited and waited.  About 15 minutes later, a manager named Sheryl arrived and immediately announced that she couldn't help me, but asked that I go to Jackie's office.  I explained what I needed to Jackie at least three times before she finally understood.  Then we took a walk back to the service desk.  Jackie scowled at Ricardo, whom informed her that he was "locked out of the system."  In hushed tones they bickered back and forth, and I was able to determine that Ricardo had forgotten his password.  45 minutes after I walked into the bank, I was finally able to walk out... forever... never to ever return to that hellstorm of incompetence ever again.  

If you don't mind being treated rudely, or having to cycle through 4 separate employees over a 45 minute time-period, then by all means visit Regions Bank.  Otherwise, save yourself the trouble and take your banking needs somewhere else... anywhere else.

* this reviewer has be with this bank for <6 months
* this reviewer had 1 - 2 banks before.
* this review was made on Regions Bank, 350 South Branch at Lafayette, IN
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Dr.
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by LLprincess, Apr. 28, 2015

Just love the Professional and Courteous staff at the Gulf Breeze Proper location. Everyone is Always smiling and so friendly.
Willing Togo out of their way to help.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 6 - 10 banks before.
* this review was made on Regions Bank, Gulf Breeze Branch at Gulf Breeze, FL
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All Reviews...

Banks Nearby

Reelfoot Bank (1.2 miles)
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First State Bank, Union City Branch (1.2 miles)
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First Citizens National Bank, Union City Branch (1.3 miles)
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Reelfoot Bank, South First Street Branch (1.4 miles)
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Commercial Bank & Trust Co., Reelfoot Avenue Branch (1.4 miles)
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