Republic Bank & Trust

Debit Card

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It's easier than a check, safer than cash and funds are deducted directly from your checking account.  Our Debit Cards can be used anywhere Mastercard is accepted and can also be used at an ATM machine.  All Debit Card transactions are itemized on your monthly checking account statement for easy tracking of daily spending.

Need to order a new Card?

Visit your nearest Republic Bank location, call us at 888-584-3600 or log in to Personal Online Banking and go to the Online Forms section to place the order.

Must be an existing client to apply for a Debit Card or ATM card. View Cardholder Agreement


Debit Card

Use like a check while offering protection for your purchases


  • More secure way to make purchases than cash
  • Purchase Rewards*. The easiest way to earn cash back from places you already shop.
  • Fee-free access to over 92,000 ATMs worldwide.
  • Upload your card and use it to make simple, secure digital payments with Google Pay®, Apple Pay®, or Samsung Pay®
  • Chip-enabled card for advanced security & better fraud protection.
Private Banking Debit Card

Tailored to clients whose sizable assets deserve the highest degrees of personal attention


  • Annual Fee: $0
  • More secure way to make purchases than cash
  • Purchase Rewards*. The easiest way to earn cash back from places you already shop.
  • Fee-free access to over 92,000 ATMs worldwide.
  • Upload your card and use it to make simple, secure digital payments with Google Pay®, Apple Pay®, or Samsung Pay®
  • Chip-enabled card for advanced security & better fraud protection.

Health Savings Debit Card

Better manage out of pocket medical expense


  • Good everywhere debit Mastercard is accepted.
  • Linked to your Health Savings Account
  • More secure than checks
  • Zero Liability Protection*

(Excludes Health Savings Debit Card)
Embedded Microchip Protection
Your card has been enhanced with an embedded microchip that provides increased protection against fraud.
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Zero Liability Protection*
You will not be held responsible in the event of unauthorized purchases.

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Mastercard Travel Services
Use Mastercard Travel Services to book hotels, flights and car rentals.

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Mastercard Global Service™*
Assistance anytime, anywhere with Emergency Card Replacement, Emergency Cash Advance, or reporting of a lost or stolen card.

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Mastercard Airport Concierge™
Arrange for a personal, dedicated meet and greet agent to escort you through the airport on departure, arrival or any connecting flights, 24/7/365 at over 450 destinations worldwide.

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Identity Theft Resolution*
Helps you with credit bureau notification and credit card replacement should you become the victim of identity theft.

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Extended Warranty Insurance*
Doubles the time on the original manufacturer’s warranty for up to one year on eligible purchases.

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Price Protection*
Reimburses you the price difference on eligible items should you find a lower price within 60 days from the date of purchase when paying with your Mastercard.

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Satisfaction Guarantee*
Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.

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* Certain terms, conditions and exclusions apply. See the Mastercard Guide to Benefits for more details and a complete explanation of card benefits provided by Mastercard.


Surcharge Free ATM Networks

Republic Bank is proud to offer our clients surcharge-free access to over 90,000 ATMs worldwide. When using any Allpoint, MoneyPass, Presto or SUM ATMs, Republic Bank Debit cardholders will not be charged a surcharge. Just look for the following logos when using an ATM or view our ATM locator to find your nearest surcharge free ATM.

Allpoint ATM - Surcharge FreeMoneyPass ATM -  Surcharge FreePresto ATM -  Surcharge FreeSUM ATM - Surcharge Free

Purchase Rewards

Receive exclusive cash back offers at the types of places you shop the most! Just use your Republic Bank Debit Card at participating retailers and get cash back rewards deposited directly into your checking account at the end of each month. There’s no obligation and no limit to the number of offers you will receive. And best of all, there’s no cost for you to take advantage of this great savings opportunity! Click here for more info.

Blocked Areas for Debit Card Fraud

To minimize the concern of cardholders and risk to the bank, Republic Bank has blocked certain countries, states and merchants due to possible fraudulent activity/scams with our Debit Cards. Click here for more info.

Lost or Stolen Republic Bank ATM card or Republic Bank Debit Card

To report a lost or stolen Republic Bank ATM or Debit Card, please call 502-540-5363
or 1-888-540-5363. After regular business hours, please call 1-800-500-1044.

Card Alerts and Controls*

Card Alerts and Controls is a feature of our Republic Bank Mobile app that allows you to turn your debit or credit card on and off in seconds with a simple tap – no need to call the bank!

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Protect your account. Let us know before you go.

If you're traveling with your Republic Bank debit card please let us know when and where you're going — so we can help protect your accounts from fraud and ensure you have the best possible experience.  Click here for more information.

Authorized Users

If you permit another person to have access to your Card, Card Number, PIN, or CVV, we will treat this as if you have authorized such use and you will be liable for all transactions and fees resulting in that authorized user’s activity until you contact us to revoke that person’s authority.  To revoke an authorized user, please call our contact center at 1-888-584-3600 from 7 AM to 10 PM – 7 days a week or use our live chat assistance online Monday – Friday 8 AM – 5 PM.  You can review the Cardholder Agreement by clicking here for details.

Mastercard SecureCode

Mastercard SecureCode enhances your current Republic Bank Debit Card account to protect against unauthorized use of your Republic Bank Debit Card when you shop at participating merchants.  Your card is registered with this additional protection at the time of opening.

One-Time Passcodes

Republic Bank may use a One-Time Passcode to verify your identity as an added protection against online fraud. During online shopping when a transaction presented is considered high risk, you may be asked to authenticate using a one-time passcode. This one-time password will be sent to your mobile device. Once received you will enter the code on the merchants website site in the "Enter One-Time Passcode" field. Once confirmed the transaction will be approved.





* Message and data rates may apply from your wireless carrier. If you are turning off your card because of fraud, you will still need to call the bank to close that card and order a new one. Turning off your card in Card Alerts and Controls only prevents the card from being used as long as it is turned off.





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