This disclosure contains the rules which govern your deposit account. After 6 months of no activity, your account will be assessed a monthly inactive fee. After 18 months of inactivity, your account will be classified as dormant and will be charge a monthly dormant fee if your account balance is less than $1,000.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $50.00

Charges which may be applied to this account

• $25 Account Closure Fee (open less than 12 months)
• $2 Account Inquiry (in person)
• $10 Account Set Up Fee
• $2 Non Republic ATM Transaction
• $10 Cashier's Check
• $10 Chargeback
• VAR Deposit Ticket Order (Fee Depends on Style of Check Ordered)
• $1 Counter Check
• $12.50 Dormant Account Fee (per Month) 
• $12.95 Monthly fee with direct deposit
• $19.95 Monthly fee without direct deposit
• $35 Overdraft Fee (per check or in-person, ATM or electronic withdrawal)
• $6 Overdraft Fee (per Business Day)
• $35 Returned Item Charge (per item) 
• $35 Stop Payment

Additional disclosure terms
Cash deposits or direct deposit only.
Transaction Limitations: Check writing is not permitted on this account. If a check is presented for payment, it will be returned unpaid.

NOTE: Monthly Service Fees are assessed on the statement cycle date. Please allow enough available funds to remain in the account to cover service fees and avoid an overdraft situation. If a direct deposit is received during a statement cycle, then a $7 credit will be applied to the account balance on the first business day of the following statement cycle.

DEBIT CARD AUTHORIZATION: Selected debit card transacations will be authorized by the Bank based on an unknown amount. This authorization amount may be greater than the actual amount of your purchases. In these cases the Bank will withhold the sum of $20.00 until the merchant posts the actual amount of your purchase against your account. This amount will be held to cover the transacation even if your purchase is less than the amount. Once the actual purchase amount is posted, the difference between the amount of the purchase, if less than $20.00, will be credited to your account balance. Republic Bank also reserves the right to refuse debit card transactions attempted at certain merchants.