Republic Bank and Trust Company is Kentucky’s largest locally-owned community bank, founded in 1977 in Louisville. With 45 branches across five states and $5.1 billion in assets, the bank rates 4.6/5 stars on its mobile app but faces criticism for $36 returned item fees and controversial high-interest lending partnerships. To log in, go to republicbank.com and click “Login” in the top right corner.
Login Methods
💻 Online Banking
Access via the main website.
- Go to republicbank.com
- Click “Login” in top right
- Enter username and password
- New users: “Enroll in Online/Mobile Banking”
📱 Mobile App (4.6/5 Stars)
Mobile banking with 3,400+ reviews.
- Biometric login available
- Mobile check deposit
- Bill pay and transfers
- Same credentials as online banking
📞 Customer Support
Contact for help with login or accounts.
- Phone: 1-888-584-3600
- Email: [email protected]
- Main Office: (502) 584-3600
- 601 W Market St, Louisville, KY
⚠️ Known Issues & Complaints
Despite nearly 40 years of BBB accreditation, Republic Bank has drawn criticism from customers and consumer advocacy groups:
🔴 Tax Refund Processing Problems
Multiple customers report issues with tax refunds. One teacher in March 2024: “The IRS says my funds were sent by direct deposit. Republic Bank stated my banking information was wrong… it says check was mailed and I have yet to receive it.”
🔴 $36 Returned Item Fees
“This bank is number one at charging $36 returned item fees. When you deposit money from Venmo or Cash App, funds are supposedly available immediately… but if you transfer money to another account at the same bank, you get hit with a $36 fee.”
🟡 Account Closure Issues
One customer reported in 2024: “I closed my account on 06-13-2024. The bank manager left the account open, and through their incompetence, I was robbed by the bank of $600.00.”
🟡 Elastic Product Concerns
Republic Bank’s “Elastic” revolving credit product has generated identity theft complaints, with customers claiming accounts were “opened fraudulently as a result of identity theft.”
⚠️ Regulatory Concerns
Consumer advocacy groups have raised serious concerns about Republic Bank’s lending partnerships. The National Consumer Law Center and other organizations claim the bank “has rented out its bank charter to enable high-cost non-bank lenders to charge interest rates that can reach 100%.”
In March 2023, consumer advocates sent a formal letter to Kentucky regulators about these practices. While Republic Bank maintains these are legal financial products, critics say they exploit borrowers who may not understand the terms.
About Republic Bank
✅ Established 1977
Founded in Louisville, Kentucky by Bernard M. and Steven E. Trager. Now Kentucky’s largest locally-owned community bank with $5.1 billion in assets.
✅ 45 Banking Centers
Branches across Kentucky, Indiana, Florida, Tennessee, and Ohio. Parent company: Republic Bancorp, Inc. (NASDAQ: RBCAA).
Contact Information
Website: republicbank.com
Headquarters: 601 W Market St, Suite 400, Louisville, KY 40202
BBB Accredited: Since March 1, 1986
FAQ
Where is the Republic Bank and Trust Company login page?
Go to republicbank.com and click ‘Login’ in the top right corner. You can also enroll in online banking by selecting ‘Enroll in Online/Mobile Banking’ on the same page.
How do I download the Republic Bank mobile app?
The Republic Bank Mobile Banking app is available on Google Play for Android and the App Store for iOS. It has a 4.6/5 star rating with over 3,400 reviews and features mobile deposit, biometric login, and bill pay.
Why is my tax refund delayed at Republic Bank?
Republic Bank uses prenote verification to confirm bank account details before deposits. If your receiving bank reports account information doesn’t match, the bank switches to check disbursement. Contact [email protected] or call 1-888-584-3600 for help.
What are Republic Bank’s overdraft fees?
Republic Bank charges $36 for returned items. Customers have complained about unexpected fees when transferring from Cash App or Venmo deposits that appear immediately available but aren’t actually cleared.
Is Republic Bank BBB accredited?
Yes, Republic Bank has been BBB Accredited since March 1, 1986. However, being BBB accredited doesn’t prevent customer complaints about fees, tax refunds, and account issues.
What is Republic Bank’s Elastic product?
Elastic is Republic Bank’s revolving line of credit product. It has generated complaints about high interest rates and some identity theft claims. Consumer advocacy groups have criticized the bank’s lending partnerships for enabling high-cost credit products.
How many branches does Republic Bank have?
Republic Bank operates 45 banking centers across Kentucky, Indiana, Florida, Tennessee, and Ohio. The headquarters is in Louisville, Kentucky at 601 W Market St.
What states does Republic Bank operate in?
Republic Bank has branches in Kentucky, Indiana, Florida, Tennessee, and Ohio. The bank was founded in Louisville, Kentucky and remains headquartered there.
Is Republic Bank safe?
Republic Bank is FDIC insured and has been BBB accredited since 1986. It’s a legitimate bank with $5.1 billion in assets. However, customer complaints exist regarding fees, tax refund processing, and some lending products.
How do I contact Republic Bank customer service?
Call 1-888-584-3600 for customer service, or email [email protected]. The main Louisville office can be reached at (502) 584-3600. The bank’s website is republicbank.com.
Related US Bank Guides
Other US regional and community banks:
- PNC Bank – Regional bank in similar markets
- Fifth Third Bank – Midwest regional bank
- US Bank – National bank
- Chase Bank – Major national bank
- Regions Bank – Southern regional bank
Last Updated on February 15, 2026
URL: https://log-in.me/republicbankandtrustcompany/