Question 1

Checking and Money Market Accounts

Accepted Answer

Product	Account Type	Tiers/Minimum Balance Requirements	Annual Percentage Yield (APY)	Interest Rate¹	Details
Republic Essential Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Minimum balance to avoid fee: A maintenance fee of $7.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Republic Silver Checking with BaZing	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Monthly Maintenance Fee: $6.00 per statement cycle Other terms and conditions may apply¹.
Republic Platinum Checking with BaZing	Personal	Tier One: $0.01	0.10%	0.10%	Minimum Deposit to Open: $25 Minimum balance to avoid fee: A maintenance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $1,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Choice Checking	Personal	Tier One: $0.00 – $15,000.00 Tier Two: $15,000.01-$999,999.999	2.00% 0.00%	1.98% 0.00%	Minimum deposit to open: $25 Online Only Other terms and conditions may apply¹.
Student Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 No minimum balance requirement No monthly maintenance fee Other terms and conditions may apply¹.
Power Index Account	Personal	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply¹.
IRA Money Market	Personal	Not a Tiered Account	4.69%	4.59%	Minimum deposit to open: $25 No minimum daily balance to obtain stated APY; no monthly maintenance fee. Other terms and conditions may apply¹.
Executive Money Market	Personal & Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: 10,000.00 – $24,999.99 Tier Four: $25,000.00+	0.00% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 The minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply¹.
Business Money Market	Commercial	Tier One: $0.00 – $5,000,000.00 Tier Two: $5,000,000+	0.10% 0.10%	0.10% 0.10%	Minimum deposit to open: $2,500 The required minimum average daily collected balance is $10,000. A $30 maintenance fee will be imposed every statement cycle. Other terms and conditions may apply¹.
Business Select MMA	Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: $10,000.00 – $24,999.99 Tier Four: $25,000.00 – $99,999.99 Tier Five: $100,000.00+	0.00% 0.10% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 Other terms and conditions may apply¹.
Commercial Power Index	Commercial	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply1.
¹Rates may change at any time without notice. Fees may reduce earnings on account. Earnings Credit Rate (ECR): For details and rate, please contact Treasury Management.

Question 2

Savings Accounts

Accepted Answer

Product	Account Type	Tiers/Minimum Balance Requirements	Annual Percentage Yield (APY)	Interest Rate¹	Details
Republic Essential Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Minimum balance to avoid fee: A maintenance fee of $7.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Republic Silver Checking with BaZing	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Monthly Maintenance Fee: $6.00 per statement cycle Other terms and conditions may apply¹.
Republic Platinum Checking with BaZing	Personal	Tier One: $0.01	0.10%	0.10%	Minimum Deposit to Open: $25 Minimum balance to avoid fee: A maintenance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $1,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Choice Checking	Personal	Tier One: $0.00 – $15,000.00 Tier Two: $15,000.01-$999,999.999	2.00% 0.00%	1.98% 0.00%	Minimum deposit to open: $25 Online Only Other terms and conditions may apply¹.
Student Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 No minimum balance requirement No monthly maintenance fee Other terms and conditions may apply¹.
Power Index Account	Personal	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply¹.
IRA Money Market	Personal	Not a Tiered Account	4.69%	4.59%	Minimum deposit to open: $25 No minimum daily balance to obtain stated APY; no monthly maintenance fee. Other terms and conditions may apply¹.
Executive Money Market	Personal & Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: 10,000.00 – $24,999.99 Tier Four: $25,000.00+	0.00% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 The minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply¹.
Business Money Market	Commercial	Tier One: $0.00 – $5,000,000.00 Tier Two: $5,000,000+	0.10% 0.10%	0.10% 0.10%	Minimum deposit to open: $2,500 The required minimum average daily collected balance is $10,000. A $30 maintenance fee will be imposed every statement cycle. Other terms and conditions may apply¹.
Business Select MMA	Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: $10,000.00 – $24,999.99 Tier Four: $25,000.00 – $99,999.99 Tier Five: $100,000.00+	0.00% 0.10% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 Other terms and conditions may apply¹.
Commercial Power Index	Commercial	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply1.
¹Rates may change at any time without notice. Fees may reduce earnings on account. Earnings Credit Rate (ECR): For details and rate, please contact Treasury Management.

Question 3

Certificates of Deposit (CDs)

Accepted Answer

Product	Account Type	Tiers/Minimum Balance Requirements	Annual Percentage Yield (APY)	Interest Rate¹	Details
Republic Essential Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Minimum balance to avoid fee: A maintenance fee of $7.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Republic Silver Checking with BaZing	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Monthly Maintenance Fee: $6.00 per statement cycle Other terms and conditions may apply¹.
Republic Platinum Checking with BaZing	Personal	Tier One: $0.01	0.10%	0.10%	Minimum Deposit to Open: $25 Minimum balance to avoid fee: A maintenance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $1,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Choice Checking	Personal	Tier One: $0.00 – $15,000.00 Tier Two: $15,000.01-$999,999.999	2.00% 0.00%	1.98% 0.00%	Minimum deposit to open: $25 Online Only Other terms and conditions may apply¹.
Student Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 No minimum balance requirement No monthly maintenance fee Other terms and conditions may apply¹.
Power Index Account	Personal	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply¹.
IRA Money Market	Personal	Not a Tiered Account	4.69%	4.59%	Minimum deposit to open: $25 No minimum daily balance to obtain stated APY; no monthly maintenance fee. Other terms and conditions may apply¹.
Executive Money Market	Personal & Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: 10,000.00 – $24,999.99 Tier Four: $25,000.00+	0.00% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 The minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply¹.
Business Money Market	Commercial	Tier One: $0.00 – $5,000,000.00 Tier Two: $5,000,000+	0.10% 0.10%	0.10% 0.10%	Minimum deposit to open: $2,500 The required minimum average daily collected balance is $10,000. A $30 maintenance fee will be imposed every statement cycle. Other terms and conditions may apply¹.
Business Select MMA	Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: $10,000.00 – $24,999.99 Tier Four: $25,000.00 – $99,999.99 Tier Five: $100,000.00+	0.00% 0.10% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 Other terms and conditions may apply¹.
Commercial Power Index	Commercial	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply1.
¹Rates may change at any time without notice. Fees may reduce earnings on account. Earnings Credit Rate (ECR): For details and rate, please contact Treasury Management.

Question 4

Individual Retirement Accounts (IRAs)

Accepted Answer

Product	Account Type	Tiers/Minimum Balance Requirements	Annual Percentage Yield (APY)	Interest Rate¹	Details
Republic Essential Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Minimum balance to avoid fee: A maintenance fee of $7.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $100.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Republic Silver Checking with BaZing	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 Monthly Maintenance Fee: $6.00 per statement cycle Other terms and conditions may apply¹.
Republic Platinum Checking with BaZing	Personal	Tier One: $0.01	0.10%	0.10%	Minimum Deposit to Open: $25 Minimum balance to avoid fee: A maintenance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum average daily balance of $1,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Other terms and conditions may apply¹.
Choice Checking	Personal	Tier One: $0.00 – $15,000.00 Tier Two: $15,000.01-$999,999.999	2.00% 0.00%	1.98% 0.00%	Minimum deposit to open: $25 Online Only Other terms and conditions may apply¹.
Student Checking	Personal	Not a Tiered Account	0.00%	0.00%	Minimum deposit to open: $25 No minimum balance requirement No monthly maintenance fee Other terms and conditions may apply¹.
Power Index Account	Personal	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply¹.
IRA Money Market	Personal	Not a Tiered Account	4.69%	4.59%	Minimum deposit to open: $25 No minimum daily balance to obtain stated APY; no monthly maintenance fee. Other terms and conditions may apply¹.
Executive Money Market	Personal & Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: 10,000.00 – $24,999.99 Tier Four: $25,000.00+	0.00% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 The minimum daily balance to obtain the stated APY and avoid the $25 monthly maintenance fee is $2,500. Other terms and conditions may apply¹.
Business Money Market	Commercial	Tier One: $0.00 – $5,000,000.00 Tier Two: $5,000,000+	0.10% 0.10%	0.10% 0.10%	Minimum deposit to open: $2,500 The required minimum average daily collected balance is $10,000. A $30 maintenance fee will be imposed every statement cycle. Other terms and conditions may apply¹.
Business Select MMA	Commercial	Tier One: $0.00 – $2,499.99 Tier Two: $2,500.00 – $9,999.99 Tier Three: $10,000.00 – $24,999.99 Tier Four: $25,000.00 – $99,999.99 Tier Five: $100,000.00+	0.00% 0.10% 0.10% 0.10% 0.10%	0.00% 0.10% 0.10% 0.10% 0.10%	Minimum deposit to open: $2,500 Other terms and conditions may apply¹.
Commercial Power Index	Commercial	Tier One: $0.00 – $9,999.99 Tier Two: $10,000.00+	0.00% 2.50%	0.00% 2.47%	Minimum deposit to open: $10,000 The minimum daily balance to obtain the stated APY and avoid the $30 maintenance fee is $10,000. Other terms and conditions may apply1.
¹Rates may change at any time without notice. Fees may reduce earnings on account. Earnings Credit Rate (ECR): For details and rate, please contact Treasury Management.

Question 5

Auto Loans

Accepted Answer

Call 800-526-9127 or ask your banker for our current rates.

Question 6

Consumer Loans

Accepted Answer

Call 800-526-9127 or ask your banker for our current rates.

Term	Annual Percentage Yield (APY)	Interest Rate¹
3 MONTH	0.50%	0.49%
6 MONTH	0.50%	0.49%
9 MONTH	0.75%	0.74%
12 MONTH	0.75%	0.74%
18 MONTH	1.00%	0.99%
24 MONTH	1.25%	1.24%
30 MONTH	1.25%	1.24%
36 MONTH	1.50%	1.49%
48 MONTH	1.50%	1.49%
60 MONTH	1.50%	1.49%
¹Penalty may be imposed for early withdrawal. Fees may reduce earnings on account. Minimum deposit to open and earn interest: $1,000.

Term	Annual Percentage Yield (APY)	Interest Rate¹
3 MONTH IRA	0.50%	0.49%
6 MONTH IRA	0.50%	0.49%
9 MONTH IRA	0.75%	0.74%
12 MONTH IRA	0.75%	0.74%
18 MONTH IRA	1.00%	0.99%
24 MONTH IRA	1.25%	1.24%
30 MONTH IRA	1.25%	1.24%
36 MONTH IRA	1.50%	1.49%
48 MONTH IRA	1.50%	1.49%
60 MONTH IRA	1.50%	1.49%
¹Penalty may be imposed for early withdrawal. Fees may reduce earnings on account. Minimum deposit to open and earn interest: $1,000.

Was your business affected by COVID-19?
Get up to $26,000 per eligible employee¹ in payroll tax refunds.

Accounts & Cards

Business Loans

Commercial Loans

Services

Credit Cards as low as 11.50% APR²

There’s never been a better time to switch to Republic Bank. Open your checking account today.

Kick off the new year with our Digital Money Market at 4.47% APY¹.

Accounts & Cards

Loans

Services

Investments

Exclusive Offers

13 Month CD at 4.01% APY¹

Digital Money Market at 4.47% APY

Knowledgeable experts dedicated to serving MSB exclusively.

Services

MSB Client Portal

Put our combined 150 years’ experience to work for your business today.

Services

Fintech Services Overview

News You Can Use

Leadership

Special Events

Financials

News & Insights

Careers

Contact Us Today

Sign Up for Business Online Banking

Insight Visa

Revolve Finance

Simply Paid Visa

Our Current Rates

Rates Effective January 31, 2023

Get Connected

Get Connected

Was your business affected by COVID-19?Get up to $26,000 per eligible employee1 in payroll tax refunds.

Accounts & Cards

Business Loans

Commercial Loans

Services

Credit Cards as low as 11.50% APR2

There’s never been a better time to switch to Republic Bank. Open your checking account today.

Kick off the new year with our Digital Money Market at 4.47% APY1.

Accounts & Cards

Loans

Services

Investments

Exclusive Offers

13 Month CD at 4.01% APY1

Digital Money Market at 4.47% APY

Knowledgeable experts dedicated to serving MSB exclusively.

Services

MSB Client Portal

Put our combined 150 years’ experience to work for your business today.

Services

Fintech Services Overview

News You Can Use

Leadership

Special Events

Financials

News & Insights

Careers

Contact Us Today

Sign Up for Business Online Banking

Insight Visa

Revolve Finance

Simply Paid Visa

Our Current Rates

Rates Effective January 31, 2023

Get Connected

Get Connected

Was your business affected by COVID-19?
Get up to $26,000 per eligible employee¹ in payroll tax refunds.

Credit Cards as low as 11.50% APR²

Kick off the new year with our Digital Money Market at 4.47% APY¹.

13 Month CD at 4.01% APY¹