Who handles EnerBank USA accounts now

Regions Bank services former EnerBank loans as Regions Home Improvement Financing. Borrowers pay Regions online, by phone, or by mail.

What it means for homeowners

  • EnerBank loans did not go away; they are now Regions Bank loans, so keep paying Regions.
  • Regions accepts debit cards and bank account payments at no charge but does not accept credit cards for loan payments.
  • If your installer went out of business, your Regions loan is still owed; ask Regions about any dispute process.
  • No state or federal enforcement action against EnerBank or Regions Home Improvement Financing over solar loans was found as of November 3, 2026.

Dealing with EnerBank USA?

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Timeline

2002

EnerBank began lending for home improvement projects through contractors, including solar.

June 2021

Regions Bank agreed to buy EnerBank USA from CMS Energy for about $960 million.

October 1, 2021

EnerBank merged into Regions Bank; employees joined Regions' Consumer Banking Group and the brand began moving to Regions.

Official contacts

Regions Home Improvement Financing (formerly EnerBank USA)

Choose option 1 for payments. Mail payments for accounts starting with 456 go to P.O. Box 30122, Salt Lake City, UT 84130-0122; other accounts to P.O. Box 26856, Salt Lake City, UT 84126-0856.

Visit the official page 1-888-390-1220

Regions EnerBank transition page

Payment options, including online, text, phone, automatic debit, and mail.

Visit the official page 1-888-390-1220

Your options

Sources

  1. Solar Power World, Oct 4, 2021. Acquisition completed, Salt Lake City headquarters, operating since 2002, transition to Regions branding.
  2. Business Wire, Oct 1, 2021. Regions closed its acquisition of EnerBank USA.
  3. Crain's Detroit Business. CMS Energy sale of its home improvement lending subsidiary for $960 million (headline).
  4. Regions Home Improvement Financing page. Phone, payment portal, mail and overnight addresses, no credit cards.
  5. Regions EnerBank page. Formerly EnerBank USA, payment options.

About this profile.

Solar Accountability is independent of EnerBank USA. This page reports public facts from the sources listed and is not legal advice. If something here is out of date, please let us know.