Republic Bank & Trust

Personal Checking

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Florida Content

Open an account online in 10 minutes or less!

 
Account Types:
Features:
Make managing your finances easier.
No minimum balance.
No below balance fee.
Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
Interest bearing account for clients that maintain a high balance.
Free safe deposit box - (where available)
Free basic checks  - (max 150 per order) 
Pays Interest!
Rebuild your banking privileges with Republic Bank's Checking Builder Account.
No minimum balance and unlimited check writing.
A card-based electronic transaction account with no minimum balance and available to clients with ChexSystems records.
A checking account for past and present military service members, National Guardsmen and reservists.

View Comparison Chart


 


My Money Program

 

The My Money Program, created by the Florida Department of Financial Services is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members and caregivers. Download brochure.

Apply Online

Open an account online in 10 minutes or less!

We've simplified the process to save you time.

1 Identification: Complete our online application and agree to the terms and disclosures.

2 Verification: Complete our online application and agree to the terms and disclosures.

3 Funding: Fund your account online with an account from another bank, your existing Republic Bank account or a credit/debit card.

Online Account
Opening FAQ

Checking Comparison Chart

  Easy
Checking
Flex
Checking
Pinnacle
Checking
Checking
Builder
Simple
Access
Military
Honors
Description / Requirements Make managing your finances easier. No minimum balance. No below balance fee. Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
A tiered-rate, interest-bearing checking account for clients that maintain a high balance. Rebuild your banking privileges while having access to a Debit Card and unlimited checking writing. A card-based electronic transaction account for clients with ChexSystems records. Designed for past and present military service members, National Guardsmen and reservists.
Minimum Opening Deposit $50 $50 $50 $50 $50 -
Below Balance Fee - - $25 - - -
Monthly Fee - $12 - $7.95 with direct deposit or 20+ monthly POS transactions††; otherwise $12.95 $6.95 -
How to Avoid Below Balance or Monthly Fee Per Statement Cycle - Average daily balance† is $1,000 or higher
or
One or more direct deposits2
or
10 or more debit card POS transactions†† 
Maintain $5,000 average daily balance - - -
Interest Bearing Account - Checked

Checked

- - -
Unlimited Check Writing Checked Checked Checked Checked No checks allowed Checked
Free Use Of Over 90,000 Republic Bank, Presto, SUM, Allpoint and MoneyPass ATMs Checked Checked Checked Checked Checked Checked
Republic Fees To Use Non-Republic ATMs No Fee 4 free per statement cyle,
$3 thereafter
No Fee $3 each $3 each 4 free per statement cyle,
$3 thereafter
Surcharge Rebates Of ATM Surcharge Fee Charged By ATM Owners Per Statement Cycle* - Up to 4 capped at $3.50 each Unlimited - - Up to 4
Free Online Statements With Check Images1 Checked Checked Checked Checked Checked Checked
Free Republic Bank Debit Card Checked Checked Checked Checked Checked Checked
Free Internet Banking And Bill Pay Checked Checked Checked Checked No access to Bill Pay Checked
Money Management
- Free Online Budgeting Tool
Checked Checked Checked Checked Checked Checked
Free Mobile Banking1
- Mobile Web, Text Banking and
iPhone & Android App
Checked Checked Checked Checked Checked Checked
Free Mobile Deposit1 Checked Checked Checked Checked No Access to Mobile Deposit Checked
Account Alerts
- Text and Email Alerts1
Checked Checked Checked Checked Checked Checked
Monthly Paper Statement Fee $3

$3

Accountholders 50 years and older receive free paper statements on all personal checking and savings accounts, as long as the Flex Checking account remains open.

Free paper statements for all your personal Republic Bank checking and savings accounts $3 $3 Free
Other    

Free basic checks - 100 per order

Free Safe Deposit Box (limit 1 box per client)


Higher Debit Card Limits
 

  Only cash or direct deposits allowed Account includes $500
Ready Reserve line of credit**

 

  1. Message and data rates may apply from your wireless carrier. Usage and qualification restrictions apply for mobile deposit.
  2. Direct deposit is defined as an ACH credit transaction, such as payroll or other automatic transfer into your account.

* ATM fees assessed are refunded to the account on the next business day.
** Usage of line incurs interest and requires repayment per the terms of Ready Reserve Agreement.
The average daily balance is calculated by adding the daily balance in the account for each day
in the statement cycle and dividing that figure by the number of calendar days in the cycle.
†† Does not include transactions conducted through an ATM or POS transactions in pending status at end of statement cycle
 

 

Kentucky/Indiana Content

Open an account online in 10 minutes or less!

 
Account Types:
Features:
Make managing your finances easier.
No minimum balance.
No below balance fee.
Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
Interest bearing account for clients that maintain a high balance.
Free safe deposit box - (where available)
Free basic checks  - (max 150 per order) 
Pays Interest!
Rebuild your banking privileges with Republic Bank's Checking Builder Account.
No minimum balance and unlimited check writing.
A card-based electronic transaction account with no minimum balance and available to clients with ChexSystems records.
A checking account for past and present military service members, National Guardsmen and reservists.

View Comparison Chart

Apply Online

Open an account online in 10 minutes or less!

We've simplified the process to save you time.

1 Identification: Complete our online application and agree to the terms and disclosures.

2 Verification: Complete our online application and agree to the terms and disclosures.

3 Funding: Fund your account online with an account from another bank, your existing Republic Bank account or a credit/debit card.

Online Account
Opening FAQ

Checking Comparison Chart

  Easy
Checking
Flex
Checking
Pinnacle
Checking
Checking
Builder
Simple
Access
Military
Honors
Description / Requirements Make managing your finances easier. No minimum balance. No below balance fee. Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
A tiered-rate, interest-bearing checking account for clients that maintain a high balance. Rebuild your banking privileges while having access to a Debit Card and unlimited checking writing. A card-based electronic transaction account for clients with ChexSystems records. Designed for past and present military service members, National Guardsmen and reservists.
Minimum Opening Deposit $50 $50 $50 $50 $50 -
Below Balance Fee - - $25 - - -
Monthly Fee - $12 - $7.95 with direct deposit or 20+ monthly POS transactions††; otherwise $12.95 $6.95 -
How to Avoid Below Balance or Monthly Fee Per Statement Cycle - Average daily balance† is $1,000 or higher
or
One or more direct deposits2
or
10 or more debit card POS transactions†† 
Maintain $5,000 average daily balance - - -
Interest Bearing Account - Checked

Checked

- - -
Unlimited Check Writing Checked Checked Checked Checked No checks allowed Checked
Free Use Of Over 90,000 Republic Bank, Presto, SUM, Allpoint and MoneyPass ATMs Checked Checked Checked Checked Checked Checked
Republic Fees To Use Non-Republic ATMs $3 4 free per statement cyle,
$3 thereafter
No Fee $3 each $3 each 4 free per statement cyle,
$3 thereafter
Surcharge Rebates Of ATM Surcharge Fee Charged By ATM Owners Per Statement Cycle* - Up to 4 capped at $3.50 each Unlimited - - Up to 4
Free Online Statements With Check Images1 Checked Checked Checked Checked Checked Checked
Free Republic Bank Debit Card Checked Checked Checked Checked Checked Checked
Free Internet Banking And Bill Pay Checked Checked Checked Checked No access to Bill Pay Checked
Money Management
- Free Online Budgeting Tool
Checked Checked Checked Checked Checked Checked
Free Mobile Banking1
- Mobile Web, Text Banking and
iPhone & Android App
Checked Checked Checked Checked Checked Checked
Free Mobile Deposit1 Checked Checked Checked Checked No Access to Mobile Deposit Checked
Account Alerts
- Text and Email Alerts1
Checked Checked Checked Checked Checked Checked
Monthly Paper Statement Fee $3

$3

Accountholders 50 years and older receive free paper statements on all personal checking and savings accounts, as long as the Flex Checking account remains open.

Free paper statements for all your personal Republic Bank checking and savings accounts $3 $3 Free
Other    

Free basic checks - 100 per order

Free Safe Deposit Box (limit 1 box per client)


Higher Debit Card Limits
 

  Only cash or direct deposits allowed Account includes $500
Ready Reserve line of credit**

 

  1. Message and data rates may apply from your wireless carrier. Usage and qualification restrictions apply for mobile deposit.
  2. Direct deposit is defined as an ACH credit transaction, such as payroll or other automatic transfer into your account.

* ATM fees assessed are refunded to the account on the next business day.
** Usage of line incurs interest and requires repayment per the terms of Ready Reserve Agreement.
The average daily balance is calculated by adding the daily balance in the account for each day
in the statement cycle and dividing that figure by the number of calendar days in the cycle.
†† Does not include transactions conducted through an ATM or POS transactions in pending status at end of statement cycle
 

 

Minnesota Content

There are no personal checking account available in your market area.

Tennessee Content

Open an account online in 10 minutes or less!

 
Account Types:
Features:
Make managing your finances easier.
No minimum balance.
No below balance fee.
Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
Interest bearing account for clients that maintain a high balance.
Free safe deposit box - (where available)
Free basic checks  - (max 150 per order) 
Pays Interest!
Rebuild your banking privileges with Republic Bank's Checking Builder Account.
No minimum balance and unlimited check writing.
A card-based electronic transaction account with no minimum balance and available to clients with ChexSystems records.
A checking account for past and present military service members, National Guardsmen and reservists.

View Comparison Chart

Apply Online

Open an account online in 10 minutes or less!

We've simplified the process to save you time.

1 Identification: Complete our online application and agree to the terms and disclosures.

2 Verification: Complete our online application and agree to the terms and disclosures.

3 Funding: Fund your account online with an account from another bank, your existing Republic Bank account or a credit/debit card.

Online Account
Opening FAQ

Checking Comparison Chart

  Easy
Checking
Flex
Checking
Pinnacle
Checking
Checking
Builder
Simple
Access
Military
Honors
Description / Requirements Make managing your finances easier. No minimum balance. No below balance fee. Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
A tiered-rate, interest-bearing checking account for clients that maintain a high balance. Rebuild your banking privileges while having access to a Debit Card and unlimited checking writing. A card-based electronic transaction account for clients with ChexSystems records. Designed for past and present military service members, National Guardsmen and reservists.
Minimum Opening Deposit $50 $50 $50 $50 $50 -
Below Balance Fee - - $25 - - -
Monthly Fee - $12 - $7.95 with direct deposit or 20+ monthly POS transactions††; otherwise $12.95 $6.95 -
How to Avoid Below Balance or Monthly Fee Per Statement Cycle - Average daily balance† is $1,000 or higher
or
One or more direct deposits2
or
10 or more debit card POS transactions†† 
Maintain $5,000 average daily balance - - -
Interest Bearing Account - Checked

Checked

- - -
Unlimited Check Writing Checked Checked Checked Checked No checks allowed Checked
Free Use Of Over 90,000 Republic Bank, Presto, SUM, Allpoint and MoneyPass ATMs Checked Checked Checked Checked Checked Checked
Republic Fees To Use Non-Republic ATMs 2 free per statement cyle,
$3 thereafter
4 free per statement cyle,
$3 thereafter
No Fee $3 each $3 each 4 free per statement cyle,
$3 thereafter
Surcharge Rebates Of ATM Surcharge Fee Charged By ATM Owners Per Statement Cycle* Up to 2 Up to 4 capped at $3.50 each Unlimited - - Up to 4
Free Online Statements With Check Images1 Checked Checked Checked Checked Checked Checked
Free Republic Bank Debit Card Checked Checked Checked Checked Checked Checked
Free Internet Banking And Bill Pay Checked Checked Checked Checked No access to Bill Pay Checked
Money Management
- Free Online Budgeting Tool
Checked Checked Checked Checked Checked Checked
Free Mobile Banking1
- Mobile Web, Text Banking and
iPhone & Android App
Checked Checked Checked Checked Checked Checked
Free Mobile Deposit1 Checked Checked Checked Checked No Access to Mobile Deposit Checked
Account Alerts
- Text and Email Alerts1
Checked Checked Checked Checked Checked Checked
Monthly Paper Statement Fee $3

$3

Accountholders 50 years and older receive free paper statements on all personal checking and savings accounts, as long as the Flex Checking account remains open.

Free paper statements for all your personal Republic Bank checking and savings accounts $3 $3 Free
Other    

Free basic checks - 100 per order

Free Safe Deposit Box (limit 1 box per client)


Higher Debit Card Limits
 

  Only cash or direct deposits allowed Account includes $500
Ready Reserve line of credit**

 

  1. Message and data rates may apply from your wireless carrier. Usage and qualification restrictions apply for mobile deposit.
  2. Direct deposit is defined as an ACH credit transaction, such as payroll or other automatic transfer into your account.

* ATM fees assessed are refunded to the account on the next business day.
** Usage of line incurs interest and requires repayment per the terms of Ready Reserve Agreement.
The average daily balance is calculated by adding the daily balance in the account for each day
in the statement cycle and dividing that figure by the number of calendar days in the cycle.
†† Does not include transactions conducted through an ATM or POS transactions in pending status at end of statement cycle
 

 

Ohio Content

Open an account online in 10 minutes or less!

 
Account Types:
Features:
Make managing your finances easier.
No minimum balance.
No below balance fee.
Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
Interest bearing account for clients that maintain a high balance.
Free safe deposit box - (where available)
Free basic checks  - (max 150 per order) 
Pays Interest!
Rebuild your banking privileges with Republic Bank's Checking Builder Account.
No minimum balance and unlimited check writing.
A card-based electronic transaction account with no minimum balance and available to clients with ChexSystems records.
A checking account for past and present military service members, National Guardsmen and reservists.

View Comparison Chart

 
Apply Online

Open an account online in 10 minutes or less!

We've simplified the process to save you time.

1 Identification: Complete our online application and agree to the terms and disclosures.

2 Verification: Complete our online application and agree to the terms and disclosures.

3 Funding: Fund your account online with an account from another bank, your existing Republic Bank account or a credit/debit card.

Online Account
Opening FAQ

Checking Comparison Chart

  Easy
Checking
Flex
Checking
Pinnacle
Checking
Checking
Builder
Simple
Access
Military
Honors
Description / Requirements Make managing your finances easier. No minimum balance. No below balance fee. Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
A tiered-rate, interest-bearing checking account for clients that maintain a high balance. Rebuild your banking privileges while having access to a Debit Card and unlimited checking writing. A card-based electronic transaction account for clients with ChexSystems records. Designed for past and present military service members, National Guardsmen and reservists.
Minimum Opening Deposit $50 $50 $50 $50 $50 -
Below Balance Fee - - $25 - - -
Monthly Fee - $12 - $7.95 with direct deposit or 20+ monthly POS transactions††; otherwise $12.95 $6.95 -
How to Avoid Below Balance or Monthly Fee Per Statement Cycle - Average daily balance† is $1,000 or higher
or
One or more direct deposits2
or
10 or more debit card POS transactions†† 
Maintain $5,000 average daily balance - - -
Interest Bearing Account - Checked

Checked

- - -
Unlimited Check Writing Checked Checked Checked Checked No checks allowed Checked
Free Use Of Over 90,000 Republic Bank, Presto, SUM, Allpoint and MoneyPass ATMs Checked Checked Checked Checked Checked Checked
Republic Fees To Use Non-Republic ATMs 2 free per statement cyle, $3 thereafter 4 free per statement cyle,
$3 thereafter
No Fee $3 each $3 each 4 free per statement cyle,
$3 thereafter
Surcharge Rebates Of ATM Surcharge Fee Charged By ATM Owners Per Statement Cycle* Up to 2 Up to 4 capped at $3.50 each Unlimited - - Up to 4
Free Online Statements With Check Images1 Checked Checked Checked Checked Checked Checked
Free Republic Bank Debit Card Checked Checked Checked Checked Checked Checked
Free Internet Banking And Bill Pay Checked Checked Checked Checked No access to Bill Pay Checked
Money Management
- Free Online Budgeting Tool
Checked Checked Checked Checked Checked Checked
Free Mobile Banking1
- Mobile Web, Text Banking and
iPhone & Android App
Checked Checked Checked Checked Checked Checked
Free Mobile Deposit1 Checked Checked Checked Checked No Access to Mobile Deposit Checked
Account Alerts
- Text and Email Alerts1
Checked Checked Checked Checked Checked Checked
Monthly Paper Statement Fee $3

$3

Accountholders 50 years and older receive free paper statements on all personal checking and savings accounts, as long as the Flex Checking account remains open.

Free paper statements for all your personal Republic Bank checking and savings accounts $3 $3 Free
Other    

Free basic checks - 100 per order

Free Safe Deposit Box (limit 1 box per client)


Higher Debit Card Limits
 

  Only cash or direct deposits allowed Account includes $500
Ready Reserve line of credit**

 

  1. Message and data rates may apply from your wireless carrier. Usage and qualification restrictions apply for mobile deposit.
  2. Direct deposit is defined as an ACH credit transaction, such as payroll or other automatic transfer into your account.

* ATM fees assessed are refunded to the account on the next business day.
** Usage of line incurs interest and requires repayment per the terms of Ready Reserve Agreement.
The average daily balance is calculated by adding the daily balance in the account for each day
in the statement cycle and dividing that figure by the number of calendar days in the cycle.
†† Does not include transactions conducted through an ATM or POS transactions in pending status at end of statement cycle
 

 

 

Northern Kentucky

Open an account online in 10 minutes or less!

 
Account Types:
Features:
Make managing your finances easier.
No minimum balance.
No below balance fee.
Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
Interest bearing account for clients that maintain a high balance.
Free safe deposit box - (where available)
Free basic checks  - (max 150 per order) 
Pays Interest!
Rebuild your banking privileges with Republic Bank's Checking Builder Account.
No minimum balance and unlimited check writing.
A card-based electronic transaction account with no minimum balance and available to clients with ChexSystems records.
A checking account for past and present military service members, National Guardsmen and reservists.

View Comparison Chart

 
Apply Online

Open an account online in 10 minutes or less!

We've simplified the process to save you time.

1 Identification: Complete our online application and agree to the terms and disclosures.

2 Verification: Complete our online application and agree to the terms and disclosures.

3 Funding: Fund your account online with an account from another bank, your existing Republic Bank account or a credit/debit card.

Online Account
Opening FAQ

Checking Comparison Chart

  Easy
Checking
Flex
Checking
Pinnacle
Checking
Checking
Builder
Simple
Access
Military
Honors
Description / Requirements Make managing your finances easier. No minimum balance. No below balance fee. Interest bearing account with 3 ways to avoid the monthly fee and get up to 4 ATM surcharge rebates (up to $3.50 each) per statement cycle.
Pays Interest!
A tiered-rate, interest-bearing checking account for clients that maintain a high balance. Rebuild your banking privileges while having access to a Debit Card and unlimited checking writing. A card-based electronic transaction account for clients with ChexSystems records. Designed for past and present military service members, National Guardsmen and reservists.
Minimum Opening Deposit $50 $50 $50 $50 $50 -
Below Balance Fee - - $25 - - -
Monthly Fee - $12 - $7.95 with direct deposit or 20+ monthly POS transactions††; otherwise $12.95 $6.95 -
How to Avoid Below Balance or Monthly Fee Per Statement Cycle - Average daily balance† is $1,000 or higher
or
One or more direct deposits2
or
10 or more debit card POS transactions†† 
Maintain $5,000 average daily balance - - -
Interest Bearing Account - Checked

Checked

- - -
Unlimited Check Writing Checked Checked Checked Checked No checks allowed Checked
Free Use Of Over 90,000 Republic Bank, Presto, SUM, Allpoint and MoneyPass ATMs Checked Checked Checked Checked Checked Checked
Republic Fees To Use Non-Republic ATMs 2 free per statement cyle, $3 thereafter 4 free per statement cyle,
$3 thereafter
No Fee $3 each $3 each 4 free per statement cyle,
$3 thereafter
Surcharge Rebates Of ATM Surcharge Fee Charged By ATM Owners Per Statement Cycle* Up to 2 Up to 4 capped at $3.50 each Unlimited - - Up to 4
Free Online Statements With Check Images1 Checked Checked Checked Checked Checked Checked
Free Republic Bank Debit Card Checked Checked Checked Checked Checked Checked
Free Internet Banking And Bill Pay Checked Checked Checked Checked No access to Bill Pay Checked
Money Management
- Free Online Budgeting Tool
Checked Checked Checked Checked Checked Checked
Free Mobile Banking1
- Mobile Web, Text Banking and
iPhone & Android App
Checked Checked Checked Checked Checked Checked
Free Mobile Deposit1 Checked Checked Checked Checked No Access to Mobile Deposit Checked
Account Alerts
- Text and Email Alerts1
Checked Checked Checked Checked Checked Checked
Monthly Paper Statement Fee $3

$3

Accountholders 50 years and older receive free paper statements on all personal checking and savings accounts, as long as the Flex Checking account remains open.

Free paper statements for all your personal Republic Bank checking and savings accounts $3 $3 Free
Other    

Free basic checks - 150 per order

Free Safe Deposit Box (limit 1 box per client)


Higher Debit Card Limits
 

  Only cash or direct deposits allowed Account includes $500
Ready Reserve line of credit**

 

  1. Message and data rates may apply from your wireless carrier. Usage and qualification restrictions apply for mobile deposit.
  2. Direct deposit is defined as an ACH credit transaction, such as payroll or other automatic transfer into your account.

* ATM fees assessed are refunded to the account on the next business day.
** Usage of line incurs interest and requires repayment per the terms of Ready Reserve Agreement.
The average daily balance is calculated by adding the daily balance in the account for each day
in the statement cycle and dividing that figure by the number of calendar days in the cycle.
†† Does not include transactions conducted through an ATM or POS transactions in pending status at end of statement cycle
 

 

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