Republic Bancorp, Inc. (NASDAQ: RBCAA), the parent company of Republic Bank & Trust Company, was established in 1982. As of November 1, 2023, it operates 47 banking centers across five states with more than 1,000 employees. The company provides business and consumer deposit and loan products, credit cards, equipment leasing, Treasury Management, and mortgage banking services. Republic also serves customers in select states nationwide and maintains a loan production office in St. Louis, Missouri. Community engagement and support remain integral to its operations and long-term mission.
Republic Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/12/2025.
2.7
147 reviews
from WalletHub and across the web
147 reviews from WalletHub and across the web
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Republic Bank
eharris502 @eharris502
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1 Star Rating
This bank's online banking website and app have become entirely unusable, and I cannot get a response from anyone without calling and waiting over 25 minutes.
I lost a debit card. I used to be able to go into my online banking self-service and order a new one. Now, it gives me an error that Salesforce isn't working and the website administrator needs to be notified. I search for assistance on ordering a new card through Online Banking and the result is a link to another non-working webpage with an error that the content doesn't exist. I fill out a contact form explaining all of this. 30 hours later... still no response. So, I jump into live chat, which is also completely automated. It gives me the same non-working link. When I ask to speak to a human, it just repeats the non-working link. The app is no better; there is nowhere in the app to contact anyone or to report a lost debit card and order a new one.
This used to be a good bank. But these days, I think I'll have to go through the trouble of rerouting my paycheck direct deposits to an account I have with a local credit union. I'll also endure the extensive trouble of setting up my mortgage, car payment, car insurance payment, etc., to come out of that account via ACH rather than Republic, because they have continually degraded and downgraded their online banking to the point where almost none of it works well. Every few months, they implement something new in the online banking that either adds extra complexity for simple tasks or just includes numerous links to broken, non-functioning webpages. It's such a shame when you cannot access your own money because it's in an account that is totally inaccessible and not one single person is capable of replying to a contact form message, picking up the phone in less than half an hour, or answering live chat.
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Product: Republic Bank Checking
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Republic Bank
hluisfe4617 @hluisfe4617
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5 Star Rating
Rose was very helpful and kind when she helped us open our business account. Everything was handled very quickly and without too much paperwork or complications. I highly recommend this bank and its banker.
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Product: Republic Bank Checking
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Republic Bank
bob630393 @bob630393
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1 Star Rating
Good people but terrible bank. The bank stopped sending us monthly statements, citing our lack of activity. My wife and I are retired and have a substantial amount of money deposited in money market funds at this bank. When signing up for online access to review our accounts, they treat us poorly with all the questions they ask. No other bank we deal with is this difficult to work with.
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Product: Republic Bank Savings
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Republic Bank
Veronica Perez @V_Pistol
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1 Star Rating
I tried paying my loan but didn't have my loan number. I gave my full social security number, address, name, phone number, date of birth, and the last four digits of my account number, and I still couldn't get any help. They wanted me to answer more security questions. So, I tried speaking to someone and the same thing happened. I'm just trying to pay on my loan so I'm not late. A month later, I call because I now have the account number. I try online again, and even with the full account number, they want to ask me for extra security questions. I said no. I was given a different number than the one on the statement and I finally was able to speak to someone, but because I wasn't paying the full amount, I now have to wait 24 hours for the loan department to call me. This is how they get you on interest, I suppose. I will never use this bank again, ever!
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Product: Republic Bank Personal Loans
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Republic Bank
nymerk777 @nymerk777
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5 Star Rating
I have never been happier with Republic Bank on Walsingham. The girls, Dianah, Amna, and Hannah, have been a godsend. The communication and customer service have been impeccable with these three gals! The pleasure is all mine with the service that they give me. ⭐️⭐️⭐️⭐️🙏🙏🙏🙏 A great asset to your bank! They deserve a nice bonus! I've banked locally for years and never did I feel like a "dippy customer" as other bankers made me feel. Best bank I ever dealt with because of them. Thank you for having these three ladies!
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Product: Republic Bank Checking
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Republic Bank
Mickey Bowman @mickeybowman0
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1 Star Rating
One of the worst banks I have ever had, I wouldn't recommend it to anyone. The customer service is terrible; they can never help with anything. If you're looking for a good bank, this is not the one.
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Product: Republic Bank Checking
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Republic Bank
no no @cathead420
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1 Star Rating
Online security is poor, employees don't know the policies, and online customer service is the worst I have ever experienced. I just wanted a local bank account.
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Product: Republic Bank Checking
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Republic Bank
marydweiss @marydweiss
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1 Star Rating
Seems like it takes forever for something that is pending to actually be posted. I have my home loans there; they are supposed to take it out on the 1st, but it can be anytime, sometimes even on the 10th! They don't want you to do anything inside. I tried to get my will notarized. The notary said he doesn't notarize wills. What the heck? Banks want to charge or not do it at all. I'm going to find a more user-friendly bank. I don't have to stay with Republic.
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Product: Republic Bank Checking
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Republic Bank
steven abel @steveninvader
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1 Star Rating
I closed my account with Republic Bank on 06-13-2024. The bank manager left the account open, and through their incompetence, I was robbed by the bank of $600.00. Don't bank with Republic Bank.
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Product: Republic Bank Checking
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Republic Bank
shenley86 @shenley86
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1 Star Rating
Do not bank here; they don't care about you at all. They only care about their money and are not family-oriented at all. Stay away from them; they will never help you and only take your money.
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Product: Republic Bank Checking
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Republic Bank
Nancy Angelove @nancyangelove
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1 Star Rating
This bank is number one at charging $36 returned item fees. Apparently, when you deposit money into your account from Venmo or Cash App, the funds are supposedly available immediately. You can withdraw money at an ATM, you can make purchases, but if you transfer money to another account at the same bank, you get hit with a $36 fee. I transferred $15 from one of my accounts to another and they charged me $36, even though it clearly stated the funds were available. This didn't just happen once; it happens weekly with them. It's always something and another $36 in their pocket. This bank has cost me well over $1000 this past year, and that is no exaggeration. I am closing all of my accounts with them in the morning.
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Product: Republic Bank Checking
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Republic Bank
Jamie Jones @Evilgt58
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1 Star Rating
Stay as far away from this horrible institution as you possibly can. They have a "guilty until proven innocent" attitude towards customers, and their negligence got my account hacked. I still haven't gotten the $500+ from them even though they admitted their mistake. Run and don't look back!
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Product: Republic Bank Checking
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Republic Bank
Twila Holland @hollandtwila
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1 Star Rating
This bank is unethical, I disputed a cashapp that I did not authorize. Because I received my mail late and missed the date to confirm on paper what I stated on the phone, they took the money back and refused to let me appeal their decision. Therefore I will no longer be using them for direct deposit nor will I use them ever again. I want a bank that will have my back not keep my money the first chance they get.
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Product: Republic Bank Checking
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Republic Bank
andrea_blossom_erie @andrea_blossom_erie
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1 Star Rating
God awful long drawn out process, so many hoops to jump through to get a $1000 loan only for them to decline me for the time being because I switched bank accounts 2 weeks ago and couldn't provide a full 1 month statement- they want a statement dating back 1 month but refused to accept a statement from my previous bank, instead told me to call back in 2 weeks. Meanwhile, they are keeping all of my information on file because "it's required by federal law".
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Product: Republic Bank Personal Loans
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Republic Bank
Jeanetta Craney @jeanettac_1
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5 Star Rating
Verified Customer
With The Market The Way It Is They Worked With Me To Put Me in My First Home.They Are An Answer To A Prayer.And I Absolutely Love Being A Home Owner
Get answers to your questions about Republic Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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