C+ MyBankTracker Rating

Republic Bank & Trust Company

About Republic Bank & Trust Company

Republic Bancorp, Inc. has 45 banking centers, and is the holding company for Republic Bank & Trust Company, which serves 39 locations throughout Louisville, Lexington, other central Kentucky communities and southern Indiana, and Republic Bank with offices in Hudson, New Port Richey, Palm Harbor, Port Richey and Temple Terrace, Florida and Blue Ash, Ohio.

Republic Bank & Trust Company logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Republic Bank & Trust Company Bank Customer Reviews

  • E
    Reviewed By ellieP Nov 11, 2016

    Where Everybody Knows Your Name

    The Florence Branch of Republic Bank is our best banking experience ever. The location has low turnover so I am always greeted by name. I can call the branch and receive personal service, rather than speaking to an impersonal call center. Transaction handling is always accurate - no time consuming posting errors to resolve.

    Lack of Republic ATM's is not an issue with the sharing networks and surcharge rebates.

    I recommend Republic to anyone that is tired of dealing with the high turnover megabanks.

    Thank you for your feedback Is this review helpful?
  • B
    Reviewed By barnacle77 May 5, 2015

    Worst Bank in the History of Banking

    This bank is notorious for nickel and diming it's customers to death. If by chance you have an over draft you get the customary overdraft charge, however in addition this bank sneaks in an additional $6.00 charge of being overdrawn as of midnight that, even though it's physically impossible to have deposited money to prevent it. I have a home loan there that I will soon close out and at that point I will never do business with this bank again; EVER.

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  • W
    Reviewed By Injured Client May 27, 2014

    Warning: Shoddy and Suspect Banking Practices for CDs

    In April 2011, after shopping for a good national rate on a 3-year CD, we opened a jumbo CD with a bank in Tennessee. The APY was 2.15%.

    Approximately 8 months later, Republic Bank acquired the Tennessee bank and changed the rate from a nationally competitive 2.15% to an abysmal .05% (for a 3-year CD). They claim to have sent out a notice of the rate change but all we received was a letter in June 2012, which five months after the acquisition, informing us of the change in the account no.

    In February 2013 (2/20/2013), we received a notice from Republic stating that "we have attempted to reach you and provide you with important information regarding you deposit account(s); however, we haven't heard from you." The notice did not provide the important information and only instructed us to sign and return the form before 7/27/13 to certify the account. I did so on 2/27/13 via a scanned copy as an attachment to an email, requesting information about the account. We received an email reply later that day that simply said: "We have received your request. It has been sent for processing." Again, there was no information about any change in the APY.

    Upon maturity, the bank not only made it cumbersome to close the account and get our proceeds but also and far more importantly only provided the proceeds at the abysmal rate, which was a difference of thousands of dollars.

    When we contacted the bank, the general counsel informed us that all the bank had to do was send out a general notice, not to exhibit due diligence that we received it. As for the communications about the "important information," he again disclaimed any responsibility.

    If he's correct that this practice is legally allowed, it is nevertheless obvious that the bank exploited the situation to make significant financial gains at the expense of its clients.

    We advise you to avoid opening a CD or otherwise trusting this bank to exhibit client-friendly practices.

    Thank you for your feedback Is this review helpful?

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A