Personal Banking at republic bank

Personal Checking Accounts

Switch to Republic Bank

There’s never been a better time to switch to Republic Bank.

In addition to free Online & Mobile Banking, Zelle, Credit Insights, and so much more,
get a $150 bonus1 when you open your new Choice Checking account online and add direct deposit.

It only takes $25 to open any Republic Bank Checking account, so get started today and join the thousands who have made the move to Republic Bank.

Women checking the balance of her personal checking account through Republic Bank of Chicago

All Republic Bank Checking accounts include these FREE services:

  • Cash Back Debit Card
  • 55,000+ surcharge-free ATMs nationwide
  • Online & Mobile Banking
  • eStatements
  • Zelle
  • Credit Insights
  • Mobile Deposit
  • Direct Deposit w/Early Pay
  • Bank by Phone

Questions?

Platinum Checking

Packed with benefits and all of our free services, get rewarded for your relationship with us.
  • Earn competitive interest2
  • Save on things you buy everyday with BaZing
  • Maintain an average collected monthly balance of $1,500, and we’ll waive the $10 monthly fee.*

Silver Checking

A tremendous value at $6 per month* with all of our free services included.
  • Save on things you buy everyday with BaZing

Essential Checking

Our basic, easy-to-be-free account includes all of our free services.
  • Maintain an average collected monthly balance of $100, and we’ll waive the $7 monthly fee.*

Student Checking

Designed exclusively for students ages 13 to 24, this account includes all of our free services plus a bonus!
  • Earn up to $100 bonus when you open a Student Checking & Savings account3
  • No minimum balance and no monthly maintenance fees
  • Note: students 18 years of age or older can open their accounts online. Those under 18 can visit a branch to get started.

Choice Checking - Cash Back

All of our free services included, plus the most cash back with every debit card purchase.
  • Earn $0.25 cash back with every debit card purchase4
  • Perform 15 debit card transactions per month, and we’ll waive the $5 monthly fee.*
  • Get a $150 bonus1 when you open online and add direct deposit

Choice Checking - Rate

All of our free services included, plus our highest checking account rate.
  • Earn 2.00% APY on balances up to $15,0005
  • Perform 15 debit card transactions per month, and we’ll waive the $25 monthly fee.*
  • Get a $150 bonus1 when you open online and add direct deposit

Great question. We’re a family-owned bank, and we’ve been dedicated to serving our clients since our first branch opened in 1964. Over the years, we’ve expanded our financial services, reinvested in our communities, and have grown to 19 locations throughout Chicagoland.

We embrace our city’s heritage of innovation, entrepreneurship, and hard work. We live where you live. We know who you know. Your neighbors are our neighbors. If you’re in a jam and need unbiased advice, we’ve got your back.

We call Chicago home, and we’re proud of that. But what we’re most proud of is waking up every day to provide exceptional service to all of our clients. Everything you need in a bank is right here.

Our point? You can count on Chicago’s hardworking bank.

BaZing is your ticket to savings6, exclusively available on Platinum and Silver checking.

Local Discounts: shop local, save local, and discover national retailer deals.
Cell Phone Protection:  phone broken or stolen? You’re covered with repair and replacement.
Roadside Assistance:  available 24x7x365 and free to use, up to $80 in covered service charges.
Health Savings: save on prescriptions, eye exams, frames, lenses, and hearing services.
ID Theft Aid: a host of identity products and services to keep you safe.

When you add direct deposit to your new Republic Bank Checking account, be sure to use our exclusive Early Pay7 routing number – 071026385 – to get your paycheck up to two days early!

It's about more than debits and credits.

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.

Got questions?
Get answers.

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.

*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. 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 30 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. 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 30 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 May 31, 2022, 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.