System Upgrade

Important Updates Regarding Our Services

We’re excited to share that we have completed our system upgrades! We’ve made enhancements that will provide you with an even better Republic Bank banking experience. Below is a summary of key updates and action items for your review and attention.

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

Phone: 1-888-584-3600
Email: EasySupport@RepublicBank.com

Effective Monday, October 20, 2025, we will transition from batch processing to real-time processing for most transactions. This means that many transactions will now be processed and posted to your account immediately, rather than at the end of the business day.

What this means for you:

• More Accurate Balances: Your account balance will reflect most transactions as they occur, helping you manage your finances with greater precision.
• Immediate Fee Assessment: If your Available Balance is insufficient at the time a transaction is processed, Overdraft or Return Item Fees may be assessed immediately, rather than at the end of the day.
• Improved Fraud Detection: Real-time posting allows you to identify and respond to suspicious activity more quickly.

Personal Clients – transactions that will remain in end-of-day batch processing:

• ACH Debits (transactions made using your account and routing numbers, not your debit card information)
• Checks in transit (checks not cashed/deposited at Republic Bank)

Please review the Account Rules carefully to understand how these changes may affect your account and fee structure.

Business Clients – transactions that will remain in end-of-day batch processing:

• ACH Debits (transactions made using your account and routing numbers, not your debit card information)
• Checks in transit (checks not cashed/deposited at Republic Bank)
• Bill Pay
• Mobile Deposits
• Onsite Deposits

Please review the Business Account Rules carefully to understand how these changes may affect your account and fee structure.

To continue receiving card alerts for your personal debit card 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 Wallet 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.

Click here to accept the new terms and conditions and complete re-enrollment or follow the instructions below:

1. Log in to the Republic Bank Mobile App**
2. Go to ‘Card Controls’
3. Review and Accept Disclosure
4. Setup your Card Alerts & Controls

To continue using Zelle® 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:

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

Click here to accept the new terms and conditions and complete re-enrollment or follow the instructions below:

1. Log in to Online & Mobile Banking**
2. Go to ‘Move Money’
3. Choose ‘Zelle’
4. Review and Accept Disclosure
5. Setup your trusted payees

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

To continue to use Bill Pay, simply accept the new terms and conditions – we’ve taken care of the rest!

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. 
• Funds Availability:
  • Bill Pay will check for funds one business day before the funds are sent from your account. For example, this means that if you schedule a payment for Friday, the system will verify funds on Thursday.
    
    If your direct deposit or paycheck typically arrives on Friday, for example, this change could affect the timing of your scheduled payments or transfers you may have set up to debit from your account the same day. To ensure your payments process is smooth, please consider one of the following options to ensure a successful payment or transfer delivery:
    • Schedule your payment or transfer to be sent the next business day after your deposit.
    • Manually send your payment or transfer after you have received your direct deposit or paycheck on the same day.

Click here to accept the new terms and conditions and complete re-enrollment or follow the instructions below:

1. Log in to Online & Mobile Banking**
2. Go to ‘Move Money’
3. Choose ‘Bill Pay’
4. Review and Accept Disclosure

Our new and improved Alerts & Notifications system 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. Now you will 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.
2. Enroll using your mobile number in the Republic Bank mobile app.

Real-time alerts will come from short code 72080.

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!

Business Online Banking Quickbooks/Quicken users need to log into Quicken and reconnect their bank feeds to avoid any service interruptions.

One-Time Statement Cycle Adjustment

As part of our system upgrade, we made a one-time adjustment to some statement cycles in October. Please see the below so you can understand when you should have received your October 2025 statement.

• If you typically receive your statement between the 1st and the 17th of each month, you received your statement on its normal schedule. Any applicable monthly service charges associated with your account were 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 received your statement on Saturday, October 18. Any applicable monthly service charges associated with your account were 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 had no affect on your account balances, transactions, or access to banking services – it simply helps to ensure a smooth transition.

Extended Statement History – 24 Months

Your access to statement history has been extended from 18 months to 24 months through Online Banking.

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.

New Statement Format

We’ve introduced a newly reformatted account statement to make them easier to read and navigate. This enhanced format features:

• 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 has been applied to all personal and business deposit and loan accounts.

Our surcharge-free ATM network partnership has changed. We’ve replaced the SUM ATM network with Accel.

Through our partnerships with AllPoint, MoneyPass, Presto!, and Accel network ATMs, you can still use your Republic Bank Debit Card to withdraw cash at over 90,000 ATMs nationwide at no charge!

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.

This blackout period is over and normal service has resumed. You may now request any of the following services:

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

Images for personal and business checks, and for business deposits, presented during the month of October are not 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 1-888-584-3600. This is a temporary change to image accessibility, which will return to normal in November.