Keep Your Financial House in Order

Build a stable foundation for your personal finances with accounts that will help you manage and save money.    

Personal Checking Accounts

All our checking accounts include:

  • Debit MasterCard™
  • Bank by Phone
  • E-statements sign up
  • Direct Deposit
  • Unlimited check writing
  • Mobile Banking
  • Online Banking & Bill Pay

Have a Question?

  • Speak to a Personal Banker
    630.908.1832
    Monday – Friday 9am – 5pm
  • Chat live
    Monday – Friday 9am – 5pm

Free Checking

When you’re looking for all the basic features you want in a checking account without the monthly fees.

  • $25 Minimum to open
  • No monthly service charge
  • No interest earned
  • No excess activity charge

Royal Benefit Checking

Designed for people aged 50+, this free checking account also offers special discounts on additional services.

  • $25 Minimum to open
  • No monthly service charge
  • No minimum balance
  • No excess activity charge
  • Access to check images online
  • Free Money Orders & Cashier’s Checks
  • Free notary services
  • Free box of RBC checks (1 box per year)
  • Safe Deposit Box discounts

Interest Checking

Designed for those who want to make their money work for them. Earn interest with a minimum daily balance of $1,000.

$1,000 Minimum to Open & Earn Interest

Tier One: $0-$999 No Interest
Tier Two: $1,000 -$4,999 0.05%
Tier Three: $5,000 – $24,999 0.05%
Tier Four: $25,000 + 0.05%

($1,000 Minimum daily balance to earn interest)

($1,000 Minimum daily balance or $1,500 daily average balance to avoid fees)

  • $10 Monthly service charge
  • 20¢ per check paid
  • No excess activity charge
  • Online access to check images

Elite Checking

A premium checking account that will maximize your interest earning power when you maintain a daily balance minimum of $5,000.

$5,000 Minimum to Open & Earn Interest

Tier One: $0-$4,999 No Interest
Tier Two: $5,000 -$9,999 0.10%
Tier Three: $10,000 – $24,999 0.20%
Tier Four: $25,000 – $49,999 0.20%
Tier Five: $50,000 – $99,999 0.25%
Tier Six: $100,000 + 0.30%

($5,000 Minimum daily balance to earn interest and avoid a $30 monthly service charge)

  • No excess activity charge
  • Online access to check images

Personal Savings Accounts

All our savings accounts include:

  • ATM Card Access
  • Mobile Banking
  • Direct Deposit
  • Bank by Phone
  • E-statements sign up
  • Online Banking & Bill Pay

Have a Question?

  • Speak to a Personal Banker
    630.908.1832
    Monday – Friday 9am – 5pm
  • Chat live
    Monday – Friday 9am – 5pm

Passbook Savings

If you want a traditional savings account with a low minimum balance requirement that still allows you to earn interest. View your balances through online banking.

$25 to Open & Earn Interest

Tier One: $25 – $4,999 0.05%
Tier Two: $5,000 + 0.15%

($25 Minimum daily balance to earn interest and avoid $3 Monthly service charge)

(Limit six preauthorized transfers or withdrawals per month. $1 fee will be charged per transaction in excess of these limits.)

Statement Savings

A savings account that earns interest when you maintain a minimum daily balance of $25.

$25 to Open & Earn Interest

Tier One: $25 – $4,999 0.05%
Tier Two: $5,000 + 0.15%

($25 Minimum daily balance to earn interest and avoid $3 Monthly service charge)

(Limit six preauthorized transfers or withdrawals per month. $1 fee will be charged per transaction in excess of these limits.)

Starter Passbook Savings

A traditional account perfect for first time savers just getting started, this account has no monthly service charges and no minimum balance requirement.

$25 to Open & Earn Interest

Earn 0.15% Interest with a minimum daily balance of $25

No monthly service charge

(Limit six preauthorized transfers or withdrawals per month. $1 fee will be charged per transaction in excess of these limits.)

Starter Statement Savings

An account to get you on the right path to savings when you’re just getting started, this account has no monthly service charges and no minimum balance requirement.

$25 Minimum to Open & Earn Interest

Earn 0.15% interest with a minimum daily balance of $25

No monthly service charge

(Limit six preauthorized transfers or withdrawals per month. $1 fee will be charged per transaction in excess of these limits.)

For information on deposit account fees click here.

Money Market Accounts

A Money Market is a good fit if you’re looking to earn higher rates as your balances increase.

All our money market accounts include:

  • Mobile Banking
  • E-statements
  • Bank by Phone
  • Online Banking & Bill Pay
  • Access to check images online and Direct deopsit

Have a Question?

  • Speak to a Personal Banker
    630.908.1832
    Monday – Friday 9am – 5pm
  • Chat live
    Monday – Friday 9am – 5pm

Executive Money Market

$2,500 Minimum to Open & Earn Interest

Tier One: $0-$2,499 0.00%
Tier Two: $2,500 -$9,999 0.10%
Tier Three: $10,000-$24,999 0.20%
Tier Four: $25,000+ 0.30%

($2,500 Minimum daily balance to avoid fees)

(Interest credited monthly on the last day of each month)

$25 Monthly service charge

$25 Fee for each transaction in excess of 6 withdrawals per cycle

Power Index Money Market

$10,000 Minimum to Open & Earn Interest

Tier One: $0-$9,999 0.00%
Tier Two: $10,000 -$49,999 0.15%
Tier Three: $50,000 – $99,999 0.20%
Tier Four: $100,000+ 0.30%

($10000 Minimum Daily balance to avoid $30 monthly service charge)

(Interest credited monthly on the last day of each month)

$25 Fee for each transaction in excess of 6 withdrawals per cycle

IRA Money Market

$25 Minimum to Open

Earn Interest

Tier One: $0-$9,999 0.350%
Tier Two: $10,000 -$49,999 0.10%
Tier Three: $50,000 – $99,999 0.20%
Tier Four: $100,000+ 0.30%

(Interest credited monthly on the last day of each month)

No Monthly service charge

Certificates of Deposit

A Certificate of Deposit is a great choice for those who want a predictable return on their investment.

Long term Savings Solutions

.50% APY* 36 Month Breakable CD

Lock in this great rate and term. If rates go up, you can re-invest the original principal in another CD at Republic Bank with a term equal to or greater than one year.

*The Certificate of Deposit Annual Percentage Yield (APY) is accurate as of June 15, 2015. The minimum balance required to open and obtain the APY is $1,000. If rates increase, you can re-invest the original principal in another CD at Republic Bank of Chicago with a term equal to or greater than one year. A penalty may be imposed for early withdrawal. Offer may be withdrawn at any time without notice.

.85% APY* 4 Year CD

Lock in this great rate and term.

*The Certificate of Deposit Annual Percentage Yield (APY) is accurate as of June 15, 2015. The minimum balance required to open and obtain the APY is $1,000. A penalty may be imposed for early withdrawal. Offer may be withdrawn at any time without notice.

1.20% APY* 5 Year CD

Lock in this great rate and term.

*The Certificate of Deposit Annual Percentage Yield (APY) is accurate as of June 15, 2015. The minimum balance required to open and obtain the APY is $1,000. A penalty may be imposed for early withdrawal. Offer may be withdrawn at any time without notice.

Please contact a Personal Banker for our standard CD rates.

Online Services

Bank on your own time, and on any secure device, with our online banking services.

Sign Up

Need to login to Online Banking?

Go to the Online Banking login under the main menu on the home page
You may need to scroll down the page a little to view the login

  1. Enter your Personal Online Banking User ID
  2. Click ‘login’. This will take you to a screen that asks for your password.
  3. Submit your password and enter your account

Online Banking

Included with all of our personal checking, savings, CDs and loan accounts, our Online Banking tool offers you a wealth of options to manage your needs.

Features & Benefits

  • 24/7 access to all of your account features from anywhere
  • View account balances and detailed transaction information
  • Bill Pay
  • E-statements
  • Name your accounts to track your spending & saving
  • Transfers between your Republic Bank of Chicago accounts
  • Email notifications and account activity alerts
  • View check images for 90 days
  • Place stop payments
  • Request documents
  • Reorder checks
  • Easily export information to Quicken and Microsoft Money

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Mobile Banking

Bank wherever you are with Republic Bank of Chicago Mobile Banking! Available to all online banking customers, Mobile Banking allows you to check balances, make transfers, pay bills, make deposits, and find locations.

Features

  • Check your latest account balance and search recent transactions by date, amount, or check number
  • Easily transfer cash between your accounts
  • Schedule one-time payments with Bill Pay
  • Find nearby branches and ATMs using the iPhone’s built-in GPS. You can also search by zip code or address
  • Deposit checks on the go

Download our new Mobile App & bank from anywhere life takes you.

AppleApp GooglePlayLogo_app

Equipped with the same security features as Republic Bank of Chicago Online Banking. Message and data rates may apply. Review complete Terms and Conditions.

Safe & Secure

Keeping your account safe is our highest priority. We are continuously updating and upgrading our tools to ensure your account is protected. Here’s how you can help safeguard your information:

Secure your network

  • Install current anti-virus software and keep it updated.
  • Do not click on unexpected links in emails or run unknown attachments.
  • Install a firewall on your internet connection.

Protect your accounts

  • Set up alerts. Our online banking system will send email alerts for any transaction.When you monitor these alerts and call the bank if there is an unauthorized transaction, we can block the transaction before any money changes hands.
  • Set daily limits on transactions to reduce your exposure. Any attempt to go past a limit will generate a call from us.
  • Keep your password and user ID private. Do not share your information with anyone.
  • Know that we will never call and ask you for your password or user ID over the phone.
  • Check your online balances regularly. We recommend twice a day.

Remember, we are doing all we can to secure your online banking accounts, but the final responsibility rests with you. If you have any questions or need help applying these recommendations, please contact us at support@republicEbank.com.

Debit/Credit Cards

Choose the card that’s right for you.

Debit MasterCard™

The Debit MasterCard™ is free and available to customers with Checking and Money Market accounts.

Get 3¢ cash back with every purchase when you use your Debit MasterCard™. Enjoy 24/7 account access and use your card nationwide with our STARsf network.

Use your Debit MasterCard™ to withdraw from your checking and savings accounts, transfer funds between your Republic Bank accounts, check your balance, make deposits*, and get cash advances at MasterCard™ member institutions.

*May only make deposits at select ATM locations.

Activity restrictions may apply.

The new EMV Chip, with enhanced security, is coming soon to your Republic Bank DebitMasterCard™

Maximum Rewards® Visa® Card

Ideal for: Established Credit

Maximum Rewards® may be the right card for you if you have five or more years of major credit card history.*

  • 1 point for every $1 spent on purchases.†
  • No limit to the number of points you can earn. Points expire on or after the 5th anniversary of when they were awarded.†
  • No annual fee.*
  • Choice of rewards includes gift cards, merchandise, travel on any major airline, or cash back as a statement credit. Visit the Maximum Rewards Guide for a sample of reward options.†
  • Free FICO® 8 Bankcard Score each month for credit card customers enrolled online. Good financial health starts with knowing where you stand.Δ
  • Online and Mobile Access available to all cardholders. We believe banking should be both easy and convenient!
  • Personalize your credit card with your favorite image.
Apply Now!

Benefits & Services

  • FirstGuard® provides protection against fraud and identity theft.
  • Zero Liability for unauthorized charges.††
  • Purchase Protection‡ protects nearly everything you purchase with the Platinum Edition® Visa Card against theft, accidental damage and fire in the first 90 days after purchase.
  • Extended Warranty‡ doubles most manufacturers’ original U.S. warranties on items you purchase with the Platinum Edition® Visa Card—for up to 12 additional months.
  • Travel Assistance Services‡ will cover you with a comprehensive array of emergency services that will allow you to rapidly receive help while traveling.
  • You and your family will be protected with up to $250,000 in Travel Accident Insurance‡—at no extra cost to you. Simply charge the entire amount of the travel tickets to the Platinum Edition® Visa Card.
  • Up to a 25% discount at select car rental agencies.‡

Important Information To keep these rates, you must make payments when due, stay within your credit limit, and be sure payments are not dishonored for any reason. Introductory rates do not apply to cash advances. An introductory balance transfer fee of 3% applies to each balance transfer made in the first 12 billing cycles (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that is made (minimum $10). We reserve the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only. Payments on the account may be applied in the order we select, subject to applicable law.

  • See Terms and Conditions

    *For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

    †See the Rewards Terms and Conditions in the Summary of Credit Terms for details.

    †† Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

    ‡ Complete details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

    Δ Please note that new cardholders will generally see their FICO® Score about 2 to 3 months after account opening.

    Cards are issued by First Bankcard®, a division of First National Bank of Omaha.

    VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.

    FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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Platinum Edition®

Ideal for: Established Credit

With five or more years of major credit card history, Platinum Edition may be the right card for you.

  • No annual fee.*
  • Free FICO® 8 Bankcard Score each month for credit card customers enrolled online. Good financial health starts with knowing where you stand.Δ
  • Online and mobile access available to all cardholders. We believe banking should be both easy and convenient!
  • Personalize your credit card with your favorite image.
Apply Now!

Benefits & Services

  • FirstGuard® provides protection against fraud and identity theft.
  • Zero Liability for unauthorized charges.††
  • Purchase Protection‡ protects nearly everything you purchase with the Platinum Edition® Visa Card against theft, accidental damage and fire in the first 90 days after purchase.
  • Extended Warranty‡ doubles most manufacturers’ original U.S. warranties on items you purchase with the Platinum Edition® Visa Card—for up to 12 additional months.
  • Travel Assistance Services‡ will cover you with a comprehensive array of emergency services, including rapid response to help requests while traveling.
  • You and your family will be protected with up to $250,000 in Travel Accident Insurance‡—at no extra cost to you. Simply charge the entire amount of the travel tickets to the Platinum Edition® Visa Card.
  • Up to a 25% discount at select car rental agencies.‡

Important Information To keep these rates, you must make payments when due, stay within your credit limit and be sure payments are not dishonored for any reason. Introductory rates do not apply to cash advances. An introductory balance transfer fee of 3% applies to each balance transfer made in the first 12 billing cycles (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that is made (minimum $10). We reserve the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only. Payments on the account may be applied in the order we select, subject to applicable law.

  • See Terms and Conditions

    *For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

    †See the Rewards Terms and Conditions in the Summary of Credit Terms for details.

    †† Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

    ‡ Complete details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

    Δ Please note that new cardholders will generally see their FICO® Score about 2 to 3 months after account opening.

    Cards are issued by First Bankcard®, a division of First National Bank of Omaha.

    VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.

    FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Secured Card

Ideal for: Just Starting Out or Rebuilding Credit

If you have less than a year of major credit card history or you know you need to work on improving damaged credit:

  • You can request your own credit limit by providing a deposit between $300 and $5,000 (in $50 increments) when you apply, subject to credit approval.
  • US citizenship is not required, but you must have a valid SSN or ITIN and a valid US address.
  • Free FICO® 8 Bankcard Score each month for credit card customers enrolled online. Good financial health starts with knowing where you stand.Δ
  • Online and Mobile Access available to all cardholders. We believe banking should be both easy and convenient!
  • Personalize your credit card with your favorite image.
Apply Now!

Benefits & Services

  • FirstGuard® provides protection against fraud and identity theft.
  • Zero liability for unauthorized charges.††
  • Purchase Protection‡ protects nearly everything you purchase with the Platinum Edition® Visa Card against theft, accidental damage, and fire in the first 90 days after purchase.
  • Extended Warranty‡ doubles most manufacturers’ original U.S. warranties on items you purchase with the Platinum Edition® Visa Card—for up to 12 additional months.
  • Travel Assistance Services‡ will cover you with a comprehensive array of emergency services, including rapid response to help requests while traveling.
  • You and your family will be protected with up to $250,000 in Travel Accident Insurance‡—at no extra cost to you. Simply charge the entire amount of the travel tickets to the Platinum Edition® Visa Card.
  • Up to a 25% discount at select car rental agencies.‡

Important Information To keep these rates, you must make payments when due, stay within your credit limit and be sure payments are not dishonored for any reason. Introductory rates do not apply to cash advances. An introductory balance transfer fee of 3% applies to each balance transfer made in the first 12 billing cycles (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that is made (minimum $10). We reserve the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only. Payments on the account may be applied in the order we select, subject to applicable law.

  • See Terms and Conditions

    *For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

    †See the Rewards Terms and Conditions in the Summary of Credit Terms for details.

    †† Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

    ‡ Complete details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

    Δ Please note that new cardholders will generally see their FICO® Score about 2 to 3 months after account opening.

    Cards are issued by First Bankcard®, a division of First National Bank of Omaha.

    VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.

    FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.