Estate planning options at Republic Bank

Simple Access Checking

$10 minimum opening deposit. $4.95 monthly fee, waived with at least one direct deposit (ACH credit), one debit card point-of-sale transaction, or one online bill pay transaction per statement cycle. No overdraft, returned item, or daily overdraft fees; a $100 fixed Simple Access Overdraft Protection Limit applies if qualifications are met. Card-only account: check writing is not permitted, and a check presented for payment is returned unpaid. Direct deposits may be available up to two business days early, and federal tax refunds up to 5 days early. Bank On Certified. The Truth in Savings disclosure lists a $3 Non-Republic ATM Fee and a $2 Monthly Paper Statement Fee.

Easy Checking

No monthly maintenance fee, no minimum balance, and no below-balance fee. $50 minimum opening deposit. Free mobile banking and mobile deposit, mobile wallet, and Zelle. Unlimited check writing, subject to available funds. Fee-free transactions at over 90,000 Republic Bank, Presto, Accel, MoneyPass, and Allpoint ATMs. The Truth in Savings disclosure lists a $4 fee for non-Republic ATM transactions and a $4 paper statement fee.

Flex Checking

Interest-bearing checking at 0.01% APY on all balances (rates as of 09/23/2026). $50 minimum opening deposit. $12 monthly fee, waived with a $1,000 average daily balance, one direct deposit, or 10 debit card point-of-sale transactions per statement cycle. The $4 paper statement fee is not charged for this account. Free mobile deposit. Fee-free transactions at over 90,000 Republic Bank, Presto, Accel, MoneyPass, and Allpoint ATMs. Rates are subject to change.

Premium Checking

Tiered-rate, interest-bearing checking at 0.05% APY on all balances (rates as of 09/23/2026). $50 minimum opening deposit. A $25 below-balance fee applies each statement cycle when the average daily balance falls below $5,000. Unlimited free non-Republic ATM transactions, with reimbursement of fees charged by the ATM owner. Unlimited check writing, subject to available funds. Includes a debit card with higher usage limits, free Republic Bank checks, a free safe deposit box where available (limit 1 box per client), and free mobile deposit. The $4 paper statement fee is not charged for this account. Rates are subject to change.

Military Honors Checking

Checking for past and present military service members, National Guardsmen, and reservists. No monthly fee, no minimum balance, and no minimum deposit to open. The first 4 non-Republic ATM transactions per statement cycle are free, including reimbursement of the ATM owner fee; after that a $4 Republic fee applies, and ATM owner fees are still reimbursed. Includes a $500 unsecured Military Honors Ready Reserve line of credit, accessed through the checking account, that transfers funds automatically to cover overdrafts; variable APR of 7.00% as of 9/17/2026, not to exceed 21%, with no prepayment penalty and no annual fee.

Health Savings Account (HSA)

Republic describes its HSA as a personal checking account for people covered by a High Deductible Health Plan. No minimum opening deposit, no minimum balance, no monthly fee, no set-up fee, and no transaction fees; a $4 paper statement fee applies. Includes a Republic Bank Mastercard debit card and check writing, with individual and family HSA applications.

Easy Savings

Variable-rate, interest-bearing savings at 0.05% APY (rates as of 09/23/2026). $10 minimum opening deposit. No minimum balance and no monthly fee. Unlimited deposits, and unlimited withdrawals in person at a banking center or at an ITM/ATM. The Truth in Savings disclosure lists a $4 Monthly Paper Statement Fee.

Advantage Savings

Interest-bearing savings at 0.10% APY on all balance tiers (rates as of 09/23/2026). $5,000 minimum opening deposit. A $10 monthly fee applies unless a $5,000 minimum balance is kept each month. Unlimited deposits, and unlimited withdrawals in person at a banking center or at an ITM/ATM. Rates are subject to change.

Money Market Account

Interest-bearing money market at 0.05% APY on all balance tiers (rates as of 09/23/2026). $300 minimum opening deposit (the Truth in Savings disclosure also allows opening by establishing direct deposit). A $5 monthly fee applies unless a $300 minimum balance is kept each month. Unlimited deposits and withdrawals. Money market accounts are not eligible for Overdraft Honor. Rates are subject to change.

Certificate of Deposit

Minimum deposit of $1,000; $2,000,000 maximum deposit per CD ($100,000 maximum when opening online). Terms of 6, 11, 12, 15, 18, 24, 36, 48, and 60 months; rates vary by ZIP code. Interest can be compounded or transferred to another Republic checking or savings account. A penalty is imposed for early withdrawal. Partial withdrawals are allowed on every term except the 12-month CD ($1,000 minimum withdrawal; the remaining balance must be greater than $1,000; the early withdrawal penalty applies to the amount withdrawn). CDs renew automatically; the owner has 10 days after maturity to redeem, after which the CD renews at the current rate for the original term.

CDARS

Certificate of Deposit Account Registry Service. $250,000 minimum opening deposit; $50,000,000 maximum. Deposits over $250,000 are divided into smaller CDs at multiple financial institutions so that the full amount is eligible for FDIC insurance. One negotiated rate for each CD maturity; interest paid monthly or at maturity; one consolidated monthly statement from Republic Bank. Treasury Management Specialists: 1-866-534-2341. The ICS Depositor Control Panel is at www.depositorcontrol.com.

Traditional IRA

Held as IRA certificates of deposit. $1,000 minimum to open; $2,000,000 maximum deposit per CD or IRA product. Terms of 6 to 60 months; rates vary by ZIP code. Funds can be moved from an IRA at another bank or from a qualified retirement savings plan (if eligible). The IRA Truth in Savings disclosure states an early withdrawal penalty of "a fee equal to 5% of account balance", waived for an early withdrawal requested within seven days of establishing the account (interest earned on the amount withdrawn is forfeited). Accounts renew automatically, with ten calendar days after maturity to redeem.

Roth IRA

Held as IRA certificates of deposit, with the same terms, minimum ($1,000), maximum ($2,000,000 per CD or IRA product), and early withdrawal penalty as the Traditional IRA. Funds can be moved from an IRA at another bank or from a qualified retirement savings plan (if eligible).