if it is written out to me.|||No. Unless the check is drawn on Regions Bank. But they might charge you a fee for cashing it without an account. I assume the check probably is not. You will either have pay the OD amount and try and have the account re-opened or you will have to take it somewhere else where you have an open account. You could also try a check cashing place, but the fees are expensive.
If the account was closed, you may have been reported to ChexSystems in which case you will not be able to open an account at pretty much any bank for 5 years (since most banks and credit unions use CheckSystems).
Call Regions Bank and ask if you were reported to ChexSystems. A ChexSystems record can be difficult to have removed. You would have to pay the OD. Then have Regions Bank report the ChexSystems the the debt has been paid. Some banks won't make the effort to do so. In the future, always be sure to take care of OD's before 30 days. Use online baking in the future so you can be sure of what has and has not cleared so you know how much money you actually have and you are not having to pay expensive OD fees.|||prob not
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