First Republic


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Headquartered in San Francisco, First Republic was founded in 1985. Today, the bank has offices primarily in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach and San Diego, California; Portland, Oregon; Boston, Massachusetts; Palm Beach, Florida; Greenwich, Connecticut; New York, New York; and Jackson, Wyoming.

The bank is known for its high client satisfaction, and excellent, relationship-based service, providing a range of private and business banking products and services, as well as wealth management, investment, trust, and brokerage solutions.

First Republic offers 4 checking accounts:

  • Classic Checking Account,
  • Basic Checking Account,
  • ATM Rebate Checking Account,
  • Senior / Minor Checking Account (MA only).

First Republic checking accounts all come with online banking and bill pay, free first order of checks, overdraft protection, and FDIC insurance.

Bank Monthly Service Charge Minimum Deposit to Open APY
First Republic Classic Checking Account $25 (can be waived) $500 0.00%
First Republic Basic Checking Account $3 $25 0.00%
First Republic ATM Rebate Checking Account $25 (can be waived) $500 0.001%*
First Republic Senior / Minor Checking Account (MA only) $0 $0 0.00%