Personal Checking Accounts

*Activity restrictions and other fees may apply. Ask a banker for our Fee Schedule and Terms and Conditions.

¹Offer of $150 bonus is not available to existing Republic Bank of Chicago checking clients. Limit one bonus per customer. Setup and complete a direct deposit to the checking account within 60 days of account opening to receive the $150 bonus. The $150 bonus will be deposited to your checking account 90 business days after adding direct deposit. The $150 is considered interest and may be reportable for tax purposes. If account is closed within 6 months of opening, bonus will be deducted before account closing.

²Variable rate which is compounded and paid monthly based on account balance. The rate may change at any time without notice. Fees can reduce earnings.

³Student Checking clients under the age of 18 will be required to have an adult who is 18 years of age or older on the account as cosigner. At age 25, your Student Checking account will convert to Essential (or similar) account. Offer of bonus is not available to existing Republic Bank of Chicago checking clients. Limit one bonus per customer. Setup and complete a direct deposit to the checking account or perform 10 debit card transactions within 60 days of account opening to receive $50 bonus. Receive an additional $50 bonus if a Statement Savings account is opened at the same time as the Student Checking account. The bonuses will be deposited to your checking account 90 business days after performing required actions. The bonuses are considered interest and may be reportable for tax purposes. If account is closed within 6 months of opening, bonuses will be deducted before account closing

⁴Minimum opening balance requirement is $25. This account receives eStatements only. Monthly maintenance fee of $5 waived with 15 debit card transactions per month. Debit Card Cash Back is limited to $25 per month or $300 per year. Only PIN, chip, or signature-based transactions qualify. Fees may reduce earnings.

⁵Minimum opening balance requirement is $25. This account receives eStatements only. Monthly maintenance fee of $25 waived with 15 debit card transactions per month. Interest rate and Annual Percentage Yield (APY) may change without notice. Interest is compounded and credited monthly. If your account is closed before interest is credited, you will not receive accrued interest. Effective 11/07/2024, if your daily balance is $0 to $15,000, the interest rate paid on this portion of the balance in your account will be 1.98%. The APY on this tier will be 2.00%. An interest rate of 0.00% will be paid on the portion of your balance that is greater than $15,000. The APY for this tier will be 0.00%. Fees may reduce earnings.

⁶Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC-insured, not insured by any federal government agency, and not guaranteed by the bank.

⁷Early 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.