Important Updates Regarding Our Services

As part of our ongoing efforts to improve our technology systems to enhance your banking experience, we’re excited to announce a system upgrade scheduled to start on October 17, 2025 and to be completed by October 20, 2025.

We have carefully planned this transition to minimize disruption to your routine banking activities. However, there are a few important changes that you should be aware of, and some changes that will require you to take action on. These details have been outlined below.

Contact & Support
If you have any questions regarding the changes outlined on this page, please contact us:

Phone: 1-888-584-3600
Email: [email protected]

Thank you for your understanding, time, and attention. We appreciate your continued trust in Republic Bank and look forward to serving you with enhanced services.

To ensure a smooth and secure transition during our system upgrade, there will be a brief period of limited service availability beginning Friday, October 17, 2025.

Banking Center Lobbies & Interactive Teller Machines (ITMs)

• Republic Bank banking centers with regular Saturday hours will be closed Saturday, October 18th. Full service will reopen the morning of Monday, October 20th.
• ITMs will be closed on Saturday, October 18th. Full service will reopen at 7:30am ET on Monday, October 20th. The ITMs will have ATM functionality during this time excluding a brief disruption at midnight on Saturday, October 18.

Personal Online & Mobile Banking**

• Access to Bill Pay will be disabled beginning at 10pm ET on Thursday, October 16. Bill Payments that are scheduled prior to access being disabled will process as normal.
• Personal Online & Mobile Banking will be available to provide general information only starting at 9pm ET on Friday, October 17, through approximately 4pm ET on Saturday, October 18. During this time, you will be able to view balances, transactions, and statements that were completed prior to Friday, October 17 at 9pm ET. However, Bill Pay, Funds Transfer, Zelle®*, and Mobile Deposit will not be available. Please note, service will not be available Sunday, October 19.
• Personal Online & Mobile Banking will be fully functional, except for Zelle®, the morning of Monday, October 20. Zelle® will be available on Monday, October 20 at approximately 3pm ET.

Click here to view a detailed Personal Online & Mobile Banking System Maintenance Schedule.

Business Online & Mobile Banking

• Business Online & Mobile Banking will be unavailable starting at 9pm ET on Friday, October 17.
• Business Online Banking will be available with full access the morning of Monday, October 20.

Contact Center & Account Access Line

• These services will be available on Saturday, October 18 and Sunday, October 19, to answer general questions and inquiries only.
• Full services will be available the morning of Monday, October 20.

There will be updates to the Deposit Account Rules and Important Disclosures for Personal Accounts (“Account Rules”) effective on Monday, October 20, 2025.

Among other changes and updates, there are important changes to the following provisions of your Account Rules:

• General Account Rules, including changes to the Funds Availability Policy and Posting Order of credits and debits to your accounts
• Overdraft Protection Options and Overdraft Fees, including changes to when and how fees may be assessed based on your Available Balance
• The addition of a Limitation of Time to Commence Action provision
• Changes to the Arbitration Agreement

Please read your Account Rules carefully. In accordance with the terms of your Account Rules, you agree to the terms of the updated Account Rules by maintaining your accounts with the Bank or by continuing to use the Bank’s services after the October 20, 2025.

Please contact our Customer Service Team at 1-888-584-3600 or visit your local banking center if you have any questions or need assistance during this transition.

To continue receiving card alerts for your personal debit card, beginning Monday, October 20, you’ll need to accept new terms and conditions and re-enroll in the updated Card Alerts & Controls system. Don’t worry – all your personal debit cards will be automatically added, just log in and set up your alert delivery preferences!

New enhanced features that give you even more control, include:

• Smart notifications: Instantly approve or block transactions in real time.
• Mobile wallet support: Add your card to Apple Pay or Google Pay directly from the app. (coming soon after Monday, October 20)
• Card rewards: Earn more benefits when you use your personal debit card.
• Instant card activation: Activate your personal debit card right in the app – no phone call needed.

Your security and convenience are in your hands – literally.

To continue using Zelle®, beginning at 3pm ET on Monday, October 20, you’ll need to accept the new terms and conditions and re-enroll by selecting the phone number and email address you want to use.

New enhanced features designed for your convenience, include:

• Schedule payments: Set up transfers in advance.
• Automatic recurring payments: Perfect for regular payments to friends, family, or trusted service providers.

Please note: Your Zelle® contacts will not transfer during re-enrollment. However, it’s easy to import contacts directly from your mobile device.

Zelle still makes it fast, easy, and safe to send money to people you know – now with more flexibility!

To continue to use Bill Pay, simply accept the new terms and conditions – we’ve taken care of the rest! You can accept the terms and conditions once Bill Pay functionality is available at approximately 8am ET on Monday, October 20.

We’ve already made things simple and securely transferred your payees, scheduled payments, automatic payment rules, and your payment history.

What’s new?

It’s Bill Pay made better – the new bill pay timing gives you more control and clearer timing on when funds will subtract from your account!

Bill Pay Timing Summary

• One-Time Same Day or Next Day Payments:
  • Funds are debited from your account immediately if the payment is setup to be sent on the same business day or the next business day.
•  One-Time Future Scheduled Payments:
  • Payments that are scheduled to be sent on a future date will have the funds debited from your account on the business day prior to that scheduled payment. If the funds are not available, the bill payment will not be sent to the payee. 
• Recurring Payments:
  • If the first payment is scheduled to send the same business day or next business day, the funds are debited from your account immediately. The recurring payments in the future will debit from your account on the business day prior to that scheduled payment. If the funds are not available, the bill payment will not be sent to the payee. 
  • Recurring Payments with the first payment scheduled in the future will have the funds debited from your account on the business day prior to those scheduled payments. If the funds are not available, the bill payment will not be sent to the payee. 

We’re launching a new and improved Alerts & Notifications system that keeps you informed the moment a transaction occurs – not after it posts! This is a big step forward in keeping you instantly informed and in control of your account activity. You’ll be able to customize alerts for what matters most to you – right from your phone.

To activate this feature, simply:

1. Accept the new terms and conditions beginning Monday, October 20
2. Enroll using your mobile number under ‘Card Alerts & Controls’ in the Republic Bank mobile app.

If you currently receive alerts about your account, such as low balance or large deposit text, push or email notifications from short code 454545, these alerts will remain active until Friday, November 28, 2025. We encourage you to switch early so you don’t miss a beat!

More timely updates. More peace of mind. All at your fingertips.

Business Credit Cards will be transitioning from ScoreCard Rewards to UChoose Rewards, but this change continues to offer the same great features and benefits you’re used to (see Business Credit Card Rewards for more details).

Rewards will stop accruing in ScoreCard on Sunday, October 19. In the meantime, you will continue to be able to review and redeem these rewards until Friday, December 19, 2025.

Be sure not to forfeit your existing rewards by logging into the existing ScoreCard Rewards site and redeeming any existing rewards balances prior to December 19.

Beginning Friday, October 17, 2025, Business Credit Card maintenance will be temporarily unavailable until Monday, October, 20, 2025. On Monday, October 20, the Business Credit Card card management system, eZBusiness, will be upgraded to a powerful new system called SpendTrack. This change brings about a brand new look and streamlined navigation and is designed for ease of use across digital devices.

This enhanced platform offers:

• Real-time spend limit adjustments
• Mid-cycle payments to individual cardholders
• Merchant category controls
• Card freezing capabilities
• Enhanced user management
• Virtual card creation (coming soon)

Additionally, 90 days of transaction history will be automatically transferred to the new platform!

To ensure uninterrupted access to older records, we strongly encourage company administrators to download any necessary credit card statements from eZBusiness before October 20, 2025. Transactions earlier than the 90-day window (i.e. from prior to July 20, 2025) will not be available in SpendTrack after the transition.

After we switch to our new system, Republic Bank will not be able to provide 2025 Year-End summaries for credit card accounts.

We understand how important these summaries are for financial planning and recordkeeping, so we want to make sure you have access to everything you need. If you’d like to keep records for 2025 and prior years, please download any necessary statements from eZBusiness Card Management by October 17, 2025.

Need a hand? We’re here for you! Just give us a call at 866-292-0856, and we’ll be happy to answer any questions.

As part of our upcoming system upgrades, we want to inform you of important updates regarding the processing schedule for your credit card account.

If your Statement Cycle or Autopayment Draft date falls on a Saturday, processing will now occur on the preceding Friday.

Please note: This change does not affect your payment due date, even if it falls on a weekend or holiday.

Here are some examples of how this change may affect you:

• Statement Cycle Example:
  If your statement cycle would normally end on Saturday, January 31, it will now end on Friday, January 30.
   
• Autopayment Draft Example:
  If your autopayment was scheduled for Saturday, January 31, it will now be drafted on Friday, January 30.
   
• Payment Due Dates:
  Your due date won’t change, regardless of whether it falls on a weekend or holiday.

Business Online Banking Quickbooks/Quicken users will need to reconnect their bank feeds on or after Monday, October 20, 2025. Please be on the lookout for additional information regarding necessary action and detailed instructions on how to reconnect.

One-Time Statement Cycle Adjustment

As part of our system upgrade, we’ll be making a one-time adjustment to some statement cycles in October. Please see the below so you can understand when you will receive your October 2025 statement.

• If you typically receive your statement between the 1st and the 17th of each month, you will receive your statement on its normal schedule. Any applicable monthly service charges associated with your account will be assessed on their normal date and will not be assessed again until your November statement cycle.
• If you typically receive your statement after the 17th of each month, you will receive your statement on Saturday, October 18. Any applicable monthly service charges associated with your account will be assessed on Friday, October 17 and visible on the Saturday, October 18 statement. Beginning in November, you will receive your statement on its normal scheduled date.

This temporary adjustment will not affect your account balances, transactions, or access to banking services – it simply helps to ensure a smooth transition.

Extended Statement History – 24 Months

We’re always looking for ways to enhance your banking experience. That’s why we’re extending your access to statement history from 18 months to 24 months through Online Banking.

This added flexibility means you can view and download your statements anytime you need – giving you more control and convenience.

No action is required – this update will take effect automatically on Monday, October 20.

Please note:

HTML eStatements Discontinued

To ensure the highest standards of security and efficiency, we are discontinuing the use of HTML eStatements. These were originally offered to provide quicker access to account information, but have since been replaced by more secure PDF eStatements.

You don’t need to do anything—your statements will continue to be available in PDF format through Online Banking.

New Statement Format

We’re introducing a newly reformatted account statement to make them easier to read and navigate. This enhanced format will feature:

• A more intuitive, user-friendly layout, making it easier to review your transactions, balances, and other key details at-a-glance.
• Enhanced readability and organization for clearer transaction details.

This update applies to all personal and business deposit and loan accounts and will go into effect on Monday, October 20. No action is required on your part – your statements will automatically reflect this change moving forward.

Effective Monday, October 20, 2025, our surcharge-free ATM network partnership is changing.

While you’ll continue to enjoy surcharge-free access through the MoneyPass, AllPoint, and Presto! networks, we’re excited to announce that Accel will be joining our network—replacing SUM.

With this update, you’ll still have access to over 90,000 surcharge-free ATMs nationwide.

To ensure you’re always using a participating ATM, we recommend checking the ATM locator on our website or in the mobile banking app—especially when using non-Republic ATMs, as some familiar locations may have changed.

As part of this upgrade, we will temporarily be unable to process the following services from Monday, October 13 through Sunday, October 19, 2025:

• New personal and business debit card orders
• New business credit card orders
• Reissuance of damaged cards
• PIN changes

Normal service will resume on Monday, October 20, 2025, once the upgrades are complete.

We appreciate your patience and understanding as we work to serve you better.

If you opened or used a HELOC on or after July 1, 2024, you will automatically receive a new card in the mail. Cards will be mailed out on Monday, October 6, 2025, but you should not activate or use this new card prior to Monday, October 20, 2025.

Beginning Monday, October 20, the new, sleekly designed HELOC debit card will feature a modernized tap-to-pay capability.

Beginning on Monday, October 20, 2025, images for personal and business checks, and for business deposits, presented during the month of October will not be immediately available through Online Banking.

All check images for October will be uploaded and accessible by Friday, October 31, 2025.

If you need access to a check image before then, please visit your local banking center or contact our Contact Center at 1-888-548-3600. This is a temporary change to image accessibility, which will return to normal in November.

Personal Online & Mobile Banking System Maintenance Schedule