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  <xs:element id="rf_OtherNonInterestIncomeMember" abstract="true" name="OtherNonInterestIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_ScheduleofFairValueHedgingBasisAdjustmentsTableTextBlock" abstract="false" name="ScheduleofFairValueHedgingBasisAdjustmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="rf_CommercialRealEstateMortgageOwnerOccupiedMember" abstract="true" name="CommercialRealEstateMortgageOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_AmortizationofUnrealizedLossesonSecuritiesTransferredtoHeldtoMaturityNetofTax" abstract="false" name="AmortizationofUnrealizedLossesonSecuritiesTransferredtoHeldtoMaturityNetofTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rf_ClosedPortfolioAndBeneficialInterestPortfolioLayerAmortizedCost" abstract="false" name="ClosedPortfolioAndBeneficialInterestPortfolioLayerAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_CapitalMarketsMember" abstract="true" name="CapitalMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_EarningspersharedenominatorAbstract" abstract="true" name="EarningspersharedenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rf_Plus3MonthLIBORMember" abstract="true" name="Plus3MonthLIBORMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_SegmentReportingAverageAssets" abstract="false" name="SegmentReportingAverageAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_InterestandFeeIncomeLoansLeasesHeldforSale" abstract="false" name="InterestandFeeIncomeLoansLeasesHeldforSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_CommercialLettersOfCreditCommitment" abstract="false" name="CommercialLettersOfCreditCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_UnrealizedLossAndFairValueAvailableForSaleSecuritiesTable" abstract="true" name="UnrealizedLossAndFairValueAvailableForSaleSecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="rf_EarningsPerShareBasicandDilutedinpershareAbstract" abstract="true" name="EarningsPerShareBasicandDilutedinpershareAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="rf_SeriesCPreferredStockDividendScenario2MemberMember" abstract="true" name="SeriesCPreferredStockDividendScenario2MemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="rf_ProvisionForUnfundedCreditCommitments" abstract="false" name="ProvisionForUnfundedCreditCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_OptionAdjustedSpread" abstract="false" name="OptionAdjustedSpread" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rf_BorrowedfundsAbstract" abstract="true" name="BorrowedfundsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rf_TotalCommercialInvestorRealEstateConstructionMember" abstract="true" name="TotalCommercialInvestorRealEstateConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_ReserveForUnfundedCreditCommitments" abstract="false" name="ReserveForUnfundedCreditCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_DerivativeInstrumentAccruedInterest" abstract="false" name="DerivativeInstrumentAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_AmountsRelatedtoInterestSettlementsonDerivatives" abstract="false" name="AmountsRelatedtoInterestSettlementsonDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_OtherConsumerFinancingReceivableMember" abstract="true" name="OtherConsumerFinancingReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_InterestRateOptionsMember" abstract="true" name="InterestRateOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_DepositarySharesMember" abstract="true" name="DepositarySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_Plus5yearTreasuryrateMember" abstract="true" name="Plus5yearTreasuryrateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_ReserveForUnfundedCreditCommitmentsRollForward" abstract="true" name="ReserveForUnfundedCreditCommitmentsRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rf_PledgedAssetsLoansReceivableFHLB" abstract="false" name="PledgedAssetsLoansReceivableFHLB" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_AssetsAssociatedWithStandbyLettersOfCredit" abstract="false" name="AssetsAssociatedWithStandbyLettersOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_StockholdersEquityAndComprehensiveIncomeLossLineItems" abstract="true" name="StockholdersEquityAndComprehensiveIncomeLossLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rf_FairValueDiscountOnLoanPortfolioRate" abstract="false" name="FairValueDiscountOnLoanPortfolioRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rf_FinancingReceivableUnallocated" abstract="false" name="FinancingReceivableUnallocated" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_SeriesBPreferredStockDividendScenario2Member" abstract="true" name="SeriesBPreferredStockDividendScenario2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_OtherComprehensiveIncomelossReclassificationAdjustmentfromAOCIondiscontinuedcashflowhedgesbeforetax" abstract="false" name="OtherComprehensiveIncomelossReclassificationAdjustmentfromAOCIondiscontinuedcashflowhedgesbeforetax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_AccumulatedOtherComprehensiveIncomerelatedtodiscontinuedcashflowhedgesbeforetax" abstract="false" name="AccumulatedOtherComprehensiveIncomerelatedtodiscontinuedcashflowhedgesbeforetax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_FICOScores681720Member" abstract="true" name="FICOScores681720Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_FannieMaeServicingPortfolioOtherAmount" abstract="false" name="FannieMaeServicingPortfolioOtherAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_OtherConsumerExitPortfoliosMemberMember" abstract="true" name="OtherConsumerExitPortfoliosMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_ServicingAssetAtFairValuePurchases" abstract="false" name="ServicingAssetAtFairValuePurchases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_OtherComprehensiveIncomeLossTransfersfromAvailableforSaletoHeldtoMaturityTax" abstract="false" name="OtherComprehensiveIncomeLossTransfersfromAvailableforSaletoHeldtoMaturityTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_Amortizationofunrealizedlossesonsecuritiestransferredtoheldtomaturitytax" abstract="false" name="Amortizationofunrealizedlossesonsecuritiestransferredtoheldtomaturitytax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_WeightedAverageServicingFeeBasisPoints" abstract="false" name="WeightedAverageServicingFeeBasisPoints" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="rf_DerivativeLiabilityNettingAdjustments" abstract="false" name="DerivativeLiabilityNettingAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_LeasesCarryingAmountExcluded" abstract="false" name="LeasesCarryingAmountExcluded" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_FederalReserveBankMember" abstract="true" name="FederalReserveBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_FederalAgencySecuritiesMember" abstract="true" name="FederalAgencySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_CommercialRealEstateConstructionOwnerOccupiedMember" abstract="true" name="CommercialRealEstateConstructionOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_CommercialAgencyMember" abstract="true" name="CommercialAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_TaxableDebtSecuritiesinInterestIncomeMember" abstract="true" name="TaxableDebtSecuritiesinInterestIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_TotalCommercialInvestorRealEstateMortgageMember" abstract="true" name="TotalCommercialInvestorRealEstateMortgageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_FICOScoresDatanotavailableMemberMember" abstract="true" name="FICOScoresDatanotavailableMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_HedgingInstrumentDomain" abstract="true" name="HedgingInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_ScheduleOfAmortizedCostAndEstimatedFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityTextblockTableTextBlock" abstract="false" name="ScheduleOfAmortizedCostAndEstimatedFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityTextblockTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="rf_NetIncomeExpenseRecognizedonCashFlowHedges" abstract="false" name="NetIncomeExpenseRecognizedonCashFlowHedges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_PledgedAssetsLoansReceivableFRB" abstract="false" name="PledgedAssetsLoansReceivableFRB" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_UnrealizedLossAndFairValueAvailableForSaleSecuritiesLineItems" abstract="true" name="UnrealizedLossAndFairValueAvailableForSaleSecuritiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rf_TotalCompanyMember" abstract="true" name="TotalCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_WealthManagementMember" abstract="true" name="WealthManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_ResidentialNonAgencyMember" abstract="true" name="ResidentialNonAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_SecuritiesgainslossesnetMember" abstract="true" name="SecuritiesgainslossesnetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_FinancingReceivableRevolvingConvertedtoAmortizing" abstract="false" name="FinancingReceivableRevolvingConvertedtoAmortizing" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_FannieMaeDUSServicingPortfolioAmount" abstract="false" name="FannieMaeDUSServicingPortfolioAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_NonAccrualMember" abstract="true" name="NonAccrualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_DisclosureEarningsLossPerCommonShareComputationOfBasicAndDilutedEarningsLossPerCommonShareAbstract" abstract="true" name="DisclosureEarningsLossPerCommonShareComputationOfBasicAndDilutedEarningsLossPerCommonShareAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rf_CommercialMortgageLoansHeldForSaleMember" abstract="true" name="CommercialMortgageLoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_FederalHomeLoanBankFHLBMember" abstract="true" name="FederalHomeLoanBankFHLBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
