Elements Banking
Elements Banking provides essential financial products and services, including Basic Checking, Basic Savings, and CD Secured Loans, to help you manage your finances, save for the future, and build or repair credit. It’s designed to support your financial journey by helping you develop strong financial habits and take control of your finances with confidence.
All Republic Bank Checking accounts include these FREE services:
- Cash Back Debit Card with Tap to Pay
- 55,000+ surcharge-free ATMs nationwide
- Online & Mobile Banking
- eStatements
- Credit Insights
- Direct Deposit w/Early Pay
- Bank by Phone
Questions?
Basic Checking
- No Overdraft Charges – Enjoy peace of mind with no overdraft fees1
- Early Pay Access2 – Get paid up to two days early with Direct Deposit
- Easy to Start – It only takes $25 to open the account
- Included Banking Services – Use Online Banking, Mobile Banking, and other essential tools at no extra cost
Basic Savings
- Start Saving Easily – open with just $25 and earn a competitive interest rate3
- Secure Your Future – A perfect complement to Basic Checking for short and long term goals
- Included Banking Services – Includes Online Banking, Mobile Deposit and access to 55,000+ surcharge free ATMs
CD Secured Loan
- Designed for Credit Growth – A great way to build or rebuild credit4
- Flexible Loan Options – Borrow between $500 and $2,000. On-time payments get reported to a credit bureau
- No Processing Fee – Get started without extra costs
Bank Smart, Bank Republic
- News You Can Use – Stay updated with our latest blog posts
- Fraud and Scam Prevention – Learn how to protect yourself from financial fraud
- Elements eBook – A deep dive into our banking services and financial tips
- Financial Calculators – Plan your budget with our easy-to-use tools
At Republic Bank, it’s important to us to provide you with the resources you need to have a bright financial future.
Explore our posts and learn more about credit score myths, savings strategies, the benefits of smaller local banks, and more.
At Republic Bank, our bankers work hard to learn your story and become your advocate.
Get connected with us, and put Chicago’s hardworking bank to work for you today.
1Other fees may apply, and it is possible for your account to have a negative balance. Ask a banker for our Fee Schedule and Terms and Conditions.
2Early Pay, which provides access to your paycheck up to two days early, depends on the timing of the submission of the payment file from the payer (e.g., your employer). We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.
3Variable rate which is compounded and paid monthly depending on account balance. Interest rates may change at any time without notice. Fees may reduce account earnings.
4No credit pull or income verification required. Monthly principal and interest payments must be made throughout the loan term to receive CD proceeds at end of term. Only one CD-secured loan is allowed per client per term. Early withdrawal of CD is not allowed. Payments will be reported to credit bureaus. CD rates are variable and subject to change. Please call us for current rates.
