What You Need to Know about Overdrafts and Overdraft Fees


An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number
  • Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
  • ATM transactions
  • Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Republic Bank pays my overdraft?

Under our standard overdraft practices:
  • We will charge you a fee of $36 each time we pay an overdraft.
  • Also, we will charge an additional $6 per day each business day the account is overdrawn for up to 14 business days.
  • The $36 per item fee will be assessed for up to the first 5 Items that we pay each day under the Overdraft Honor Program and for up to the first 10 Items that are returned each day.
What if I want Republic Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below and click "submit" or call 1-866-562-8810.



Form for Overdraft Services




Account Holder


First Name:
Last Name:
Social Security Number:



Overdraft Selection

Should you change your mind and decide you no longer want us to continue to authorize and pay overdrafts on your ATM and everyday debit card transactions, you may revoke your authorization at any time by contacting us in person, by mail, online or by phone at 1-866-562-8810.

I do not want Republic Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

I want Republic Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.
Please list the specific personal checking account numbers below for which you would like Republic Bank to authorize and pay overdrafts on ATM and everyday debit card transactions. This change in overdraft practice does not apply to business checking accounts.
Account Number(s):








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