Estate planning at Republic Bank
How to protect 15 Republic Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Republic Bank's Private & Professional Banking
Customer Care
Phone502-584-3600
Toll-Free1-888-584-3600
Mailing Address
Republic Bank & Trust Company, 601 West Market Street, Louisville, KY 40202
WebsiteLearn more→
Death Claims
Phone502-584-3600
Toll-Free1-888-584-3600
Mailing Address
Republic Bank & Trust Company, 601 West Market Street, Louisville, KY 40202
Verified Apr 2026
Republic Bank offers 15 consumer accounts that interact with estate planning in distinct ways. Of those, 12 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Managing beneficiaries at Republic Bank is straightforward—changes can be made in branch, by mail, and by phone, typically taking 15-30 minutes (in-branch or by phone). Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at Republic Bank: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at Republic Bank.
View details →When someone dies
Death claim process
Contact Republic Bank's Private & Professional Banking to file a claim. 4-step process, 8 required documents, and contact information for survivors.
View details →Republic Bank's Private & Professional Banking can answer questions about beneficiaries, trusts, or death claims at 1-888-584-3600.
Republic Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. Republic Bank offers Private & Professional Banking with dedicated private bankers who provide concierge-level service for both personal and business banking needs. The team is available in Louisville, Lexington, Northern Kentucky/Cincinnati, Nashville, and Florida. Services include commercial lending, business lines of credit, equipment financing, treasury management, personal mortgages, home equity loans, and personal deposit accounts. Contact 1-888-584-3600 to connect with a private banker.
Yes. Republic Bank & Trust Company is FDIC insured. POD beneficiaries qualify for separate FDIC insurance coverage of up to $250,000 per beneficiary per depositor. Trust accounts are also FDIC insured based on the number of qualifying beneficiaries. For deposits exceeding FDIC limits, Republic Bank offers CDARS (Certificate of Deposit Account Registry Service) which provides FDIC coverage on large CD investments up to $50,000,000 through the IntraFi network, with all CDs consolidated in a single statement.
Yes. Checking, savings, money market, and CD accounts can be retitled to a revocable living trust or opened directly in the name of an irrevocable trust. Visit any banking center with your trust documentation (Certification of Trust or the full trust agreement), government-issued ID for all trustees, and the trust tax identification number (or trustee SSN for revocable trusts). IRA accounts cannot be retitled to a trust, but a trust can be named as the IRA beneficiary. For complex trust needs, Republic Bank's Private & Professional Banking team provides personalized service. CDARS accounts allow trust deposits exceeding $250,000 in FDIC insurance to receive full coverage through the IntraFi network.
Sources
Data sourced from Republic Bank primary sources (22 pages reviewed). How we research.
Customer Care
Phone502-584-3600
Toll-Free1-888-584-3600
Mailing Address
Republic Bank & Trust Company, 601 West Market Street, Louisville, KY 40202
WebsiteLearn more→
Death Claims
Phone502-584-3600
Toll-Free1-888-584-3600
Mailing Address
Republic Bank & Trust Company, 601 West Market Street, Louisville, KY 40202
Verified Apr 2026
Estate planning articles
Learn how to protect your Republic Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
