Republic Bank & Trust

FDIC Information

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Notice of Expiration of Temporary Unlimited Deposit Insurance Coverage for Noninterest-Bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in noninterest-bearing transaction accounts (including Interest on Lawyer Trust Accounts) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit:

We realize that recent headlines about the difficulties of some major financial institutions may have you concerned about the safety of your deposits and accounts.

We are pleased to report that during these economically challenging times, Republic Bank remains a strong and well capitalized bank. As a member of the Federal Deposit Insurance Corporation (FDIC), you can rest assured that your deposits of up to $250,000 are protected by the FDIC with Republic Bank. Since the FDIC’s inception in 1933, a 75-year history, not one customer has ever lost a penny of their FDIC insured deposits

View Message from Republic Bank CEO, Steve Trager.

Types of Republic Bank Products that are insured by the FDIC


Q How do I know that Republic Bank is Safe?
A Deposits up to $250,000 with Republic are FDIC insured and, in addition, Republic remains a strong and well capitalized bank. We continue to grow and are here to serve you any way we can now and in the future.

Q How do I know that my money is safe?
A Deposits with Republic Bank are FDIC insured up to $250,000 or more (depending on ownership titles) and Republic Bank continues to meet the regulatory requirements needed for its "well capitalized" designation.

Q What are my insurance options if my deposits exceed $250,000?
A Republic Bank's CDARS program is a great way to obtain qualifying FDIC insurance up to $50 million!

Q Is my business covered under FDIC insurance?
A Yes, if you are a corporation, partnership, limited liability company or unincorporated association you are FDIC insured up to a maximum of $250,000.

Q I am a sole proprietor, am I covered under FDIC insurance for my business?
A Yes, but as a sole proprietor, the money in your business account is added to any other single accounts you have and you are FDIC insured to a maximum of $250,000.

Want more information?

Learn more about how FDIC insurance works.

Calculate your FDIC insurance coverage by using the Electronic Deposit Insurance Estimator.

Review the latest Republic Bank news.

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