If you know your card is lost, stolen, and/or compromised, please follow the steps below.

Turn OFF your card using Card Alerts & Controls**

• Log into your Personal Online & Mobile* Banking account and select More to turn OFF your card in Card Alerts & Controls to protect your account.

Report your card immediately

• To report a lost or stolen Republic Bank ATM or Debit Card, please immediately call 1-888-540-5363. Customer Service Representatives are available to assist you with closing your card 24/7.
• To report a lost or stolen Republic Bank Credit Card, please immediately call 1-866-292-0856. Customer Service Representatives are available to assist you with closing your card 24/7.

Order a new debit card

• You can order a new debit card by contacting a Republic Bank Contact Center Representative during business hours. If you are calling after hours, you have the option to use our online Request a Debit Card form, available with delivery options to choose from. You can request a debit card 24/7 using the Request a Debit Card form or wait to have a new card issued to you during the dispute process.
• Log into your Online Banking account, visit More Services in the menu, and then select ‘Request a Debit Card’ to place a new debit card order or click here to access the form (please note you will need your Personal Online & Mobile Banking username and password to access this form in your account).

Dispute your fraudulent debit card transactions online or using the app

• Once your transactions are posted to your account, visit Dispute a Transaction in the More menu of your Personal Online & Mobile Banking account, and submit your dispute case. We will close your card and issue a new card to arrive at the address on file in 3-5 business days if you have not already ordered the card using the Request a Debit Card form.

Unlock and reset your password by using Online Banking Login Assistance or Mobile Banking Forgot Login. We’ll text or call you with a temporary password to the phone number associated with your Online & Mobile Banking account. 

Click here to learn how on RepublicBank.com.

Click here to learn how on the Republic Bank app.

To protect your account, it’s important that you do NOT share your Online & Mobile Banking password, one-time passcode, or PIN. Republic Bank will never ask you to provide your Online & Mobile Banking password in a call, text, email, or at a Republic Bank banking center.

To put your mind at ease, Republic Bank provides you with access to your account anytime you need it.

Easy Account Access Line

Enjoy the convenience of 24-hour assistance from our automated Account Access Line. Dial 888-584-3644 to listen to your account balances and account history.

Note: Your Anytime Access PIN is not the same as your debit or credit card PIN.

Have you enrolled in Text Message* Banking in the past? 

Receive instant account information by sending text-based commands from your mobile device. Get account balances and receive recent transaction history without having to log in. You don’t need a password to access your account information via text message.

Just text a short command to 454545, and you will quickly receive the information you want. 

Short Commands:

BAL = Primary account balance
BAL CHK = Checking account balances
BAL SAV = Saving account balances
BAL ALL = All account balances
LAST = Last 5 transactions
TRANS = Transfer funds to primary account
STOP =Deactivate service
HELP = Help on keywords

1. Change or Reset Your Username & Password
    – Click here to see how with the Republic Bank Mobile App*
    – Click here to see how on the RepublicBank.com site
    – Click here for Username & Password Tips

2. Check Move Money features for Unauthorized Transfers and Payments

• Visit External Transfers under the Move Money tab and check transfer or payment activity. If there are unauthorized transfers or payments present, attempt to cancel them immediately.
  
  How do I cancel an External Transfer?
  
  How do I cancel a bill pay item?
  
  Finally, visit Send Money with Zelle® under the Move Money tab and view your activity. If there is an unauthorized payment to a person you are not familiar with, unfortunately you will not have the ability to cancel the payment because funds sent through Zelle are just like paying with cash. However, you do have the option to dispute unauthorized Zelle payments with Republic Bank. You will need to wait for the payment to post to your account with a date and dispute the payment using the “Dispute a Transaction” form in the More menu within your online account or in the app.

• Be sure to visit your Account History for each of your deposit accounts. If there are unauthorized transactions, such as a debit card or ACH transactions, you may dispute those transactions once they post to your account with a date using the “Dispute a Transaction” form in the More menu within your online account or in the app.

3. Turn Off Your Republic Bank Debit/Credit Card
   Use Card Alerts & Controls** to turn off your card(s) in seconds with a simple tap. (please note: you will need your Online Banking login information to access this page)
    – Click here to see how with the Republic Bank Mobile App.

4. Check Your Security Options
   Republic Bank’s digital banking technology keeps your account secure but easy to access. By using a one-time passcode, we can verify your identity when you log in from an unrecognized device. It’s important to check your Security Options and be sure we have YOUR phone number and no one else’s to ensure your account is secure.
    – Click here to check your Security Options now.

5. Send Us Your Story So We Can Get Working On It
   We ask that you tell us the details of your situation by sending a Secure Message in Easy Support. We will begin working on your case and will contact you directly during business hours.
    – Click here (please note: you will need your Online Banking login information for access) for Easy Support now and select +New Message to start your story.

Republic Bank is here to help anytime you need it.

Tell us your story in a +New Message using Easy Support.

In your secure message to Republic Bank, please answer the following questions in full detail so that we may assist you with your next steps.
 

1. Why do you believe you have identity theft?
    
2. How was your identity stolen?
    
3. What accounts were affected?
    

You can click here (please note: you will need your Online Banking login information to access this form) to stop a check payment using your Personal Online & Mobile* Banking account without needing to contact Republic Bank directly. Be sure to provide the check number, choose the account you paid from, the issue date, check amount, and the payee. A stop payment fee of $36 will be assessed for each stop payment submitted.

Republic Bank offers an ACH stop payment option during business hours by contacting us directly for pending transactions processed using your account and routing number.

You may have your transaction cancelled faster by contacting your payee and avoid the Republic Bank $36 stop payment fee.

Stop a Pending ACH Payment at Republic Bank:

• Only pending ACH transactions can be stopped.
• The stop payment fee is $36
• Pending ACH transactions can only be stopped before 11AM EST during business. Any ACH transactions attempted to be stopped after 11AM EST will be posted to the account.
• Contact us before 11AM during business hours with your account number, the dollar amount, and the payee. Please note if you want to stop the ACH transaction indefinitely, or if this stop is a one-time stop payment. You can request a stop payment using Easy Support secure messaging in your Personal Online & Mobile Banking account at any time to begin the stop payment process. We will process your stop payment request in the order received before the stop payment cut off time (11AM EST).

File a dispute case for your posted transaction(s).

If your transaction posts to the account and cannot be stopped and you believe your transaction to be fraudulent, made in error, or there is a processing issue, you have the option to file a dispute using the Dispute a Transaction form in your Personal Online & Mobile Banking account More menu.

Unauthorized Debit Card/Credit Card Transactions

If you need to stop an unauthorized transaction on your account due to fraud, please follow the steps outlined in “What steps can I take if my debit/credit card is lost/stolen, or compromised and I have fraudulent transactions on my account?”

For Republic Bank MasterCard Credit Card unauthorized transactions, please follow steps outlined in “How do I file a dispute for credit card transactions?”

One-Time Debit Card/Credit Card Transactions

Once you have given authorization for a merchant to accept a one-time debit/credit card payment, the authorization cannot be stopped by Republic Bank.

We recommend that you contact the merchant for a refund or wait for the item to be posted to your account with a date and dispute your debit card transaction(s) using our online dispute form available in your Personal Online & Mobile Banking More menu. For credit card disputes, please click here for more information.

Recurring Debit Card Payments

If you wish to stop a recurring debit card payment, it may be faster to stop the recurring payment with the merchant before contacting us. However, we offer an option to opt out of recurring payments for all merchants on your debit card if you can contact us before the upcoming payment has been processed on your account and if the recurring payment has been processed on a previous date on your account in the last 6 months.

We cannot stop recurring debit card payments in a pending status on the account. The recurring payment opt-out is not merchant-specific and will stop all future recurring payments you have set up with any merchant on your debit card.

If you choose to opt out of recurring payments on your debit card, the update will not have any effect on your current card, however, if you get a replacement at any time for the card, no payment information will update automatically to the merchant, and you will need to contact each merchant that you have payments set up with on this card.

If we are not able to locate the recurring debit card payment at a previous date in your account, you will have the option to 1) close the current card and order a new one to stop the recurring payment from being billed to your card. You will then need to contact any merchants that you have any other payments set up with to update your debit card information with them. Or 2) contact the merchant to have the recurring payment stopped through the merchant without closing your current debit card.

• Please use the links below to see some helpful information published by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC) on your rights and protections.
  • Stop automatic payments | Consumer Financial Protection Bureau (consumerfinance.gov)

If you’ve made a payment using Republic Bank Bill Pay, you may have the option to cancel the payment before requesting a stop payment on a check item. After you’ve logged in to your account and accessed the Bill Pay feature, if you no longer see the Bill Pay item listed in the My Payments widget, we recommend that you double-check the Deliver By date as the payment may have already been processed. You should also check if your Bill Pay item was sent as a physical check or as an electronic payment. 

• If the Bill Pay item was sent electronically, the payment cannot be canceled if it is no longer displaying as pending in the My Payments widget. We recommend that you contact the payee to reverse the payment or provide a refund.
• If the Bill Pay item was sent by physical check, we do offer a stop payment option. The Bill Pay stop payment fee is $25. You may submit a +New Message anytime, anywhere in Easy Support to request a stop payment for your Bill Pay item. A Republic Bank representative will stop the payment for you as soon as possible during business hours. Once the stop payment is placed, the funds will be credited to your account within 2 business days.

How will I know if a Bill Pay item has been sent electronically or by check?

Click here to learn how to cancel a one-time Bill Pay item in your Online Banking account.

Click here to learn how to cancel an automatic Bill Pay item in your Online Banking account.

Before placing a stop payment request, remember, a payment can be canceled anytime on or before the send date within your Online Banking account without even needing to contact Republic Bank directly.

If you believe the external transfer is fraudulent, please contact us immediately to move your online account to a temporary hold until we investigate your case.

If you have initiated the transfer and would like to stop the transfer before it completes the transfer process, please follow the steps below:

Try to cancel the transaction first using External Transfers cancel options.

To cancel a One-time Standard, Next Day, or Scheduled transfer, visit Move Money in your Personal Online & Mobile Banking menu online or in the app*, and then select External Transfer. Locate the transfer on the Activity page, click the applicable transfer to show the options available, and then click the Cancel button to cancel a scheduled transfer or a recurring transfer. Be sure to confirm your cancellation for either of those options.

How do I cancel a scheduled or recurring external transfer online or in my app?

Dispute posted external transfers if your transfer was made in error.

If you believe your external transfer was made in error or believe the transfer to be fraudulent and the item(s) has posted to the account with a date, you may submit a dispute case using the Dispute a Transaction form available in your Personal Online & Mobile* Banking account located in the More menu.

Using Republic Bank’s Send Money with Zelle® feature is just like paying cash and should only be used if you know and trust the person you are sending the money to. Once the money is sent, it cannot be canceled. We recommend that you contact the recipient and ask for a refund.

Once your Zelle transaction has been posted to your account, you also have an option to dispute your person-to-person Zelle payment by visiting the Dispute Transactions form in the Self-Service Center of your Personal Online & Mobile* Banking account. Dispute a person-to-person transaction online or in the Republic Bank Mobile app*.