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        <link:definition>0000043 - Disclosure - Premises and Equipment (Tables)</link:definition>
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        <link:definition>0000044 - Disclosure - Intangible Assets (Tables)</link:definition>
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        <link:definition>0000045 - Disclosure - Deposits (Tables)</link:definition>
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        <link:definition>0000047 - Disclosure - Regulatory Capital Requirements and Regulations (Tables)</link:definition>
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        <link:definition>0000048 - Disclosure - Leases (Tables)</link:definition>
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        <link:definition>0000050 - Disclosure - Earnings (Loss) per Common Share (Tables)</link:definition>
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        <link:definition>0000051 - Disclosure - Share-Based Payments (Tables)</link:definition>
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        <link:definition>0000052 - Disclosure - Employee Benefit Plans (Tables)</link:definition>
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        <link:definition>0000053 - Disclosure - Other Non-Interest Income and Expense (Tables)</link:definition>
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  <xs:element id="rf_ScheduleOfAmortizedCostAndEstimatedFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityTextblockTableTextBlock" abstract="false" name="ScheduleOfAmortizedCostAndEstimatedFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityTextblockTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <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_BankingRegulationTotalRiskBasedCapitalRatioCapitalAdequacyMinimumPlusSCB" abstract="false" name="BankingRegulationTotalRiskBasedCapitalRatioCapitalAdequacyMinimumPlusSCB" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rf_AddBackOnCETIBasisPointImpact" abstract="false" name="AddBackOnCETIBasisPointImpact" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="rf_PreferredDividendsReductiontoRetainedEarningsatRedemption" abstract="false" name="PreferredDividendsReductiontoRetainedEarningsatRedemption" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_ImpactOfChangeInUnrecognizedTaxBenefits" abstract="false" name="ImpactOfChangeInUnrecognizedTaxBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rf_ResidentialMortgageLoansHeldForSaleMember" abstract="true" name="ResidentialMortgageLoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rf_Creditandcheckcardexpense" abstract="false" name="Creditandcheckcardexpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
