First Republic Classic Checking Account

First Republic officially has 2 overdraft protection options:

1. Overdraft Protection by Linked Account:

In case you want to avoid overdrafts, you can have a First Republic Money Market account linked to your Classic Checking, so that, if there's not enough money in your Classic Checking balance to cover a transaction, the funds will be transferred from your First Republic Money Market to your First Republic Classic Checking account, and the transaction approved.

Whether other First Republic bank accounts are eligible as part this overdraft protection plan with the Classic Checking, we cannot tell for sure, so you better check with a First Republic banker.

2. Overdraft Line of Credit:

If possible, you can link your First Republic Line of Credit to your Classic Checking to avoid fees when your check is returned due to insufficient funds. It also covers transactions with an ATM/Debit Card or ATM Card. Again, check with the banker whether you can have this included in your First Republic Classic Checking.

If you use your ATM/debit card for transactions at ATMs in First Republic Preferred Banking Offices and at First Republic-branded ATMs located elsewhere, you won't be charged any fees.

Yet, you might be charged fees when using a non-First Republic ATM by the ATM owner, which is not something First Republic can control.

First Republic Digital Specialists are digital banking experts, there to help you get the most out of digital banking. You can receive a personal support by reaching out to a First Republic Digital Specialist with any related question you may have. Whether you're a first-time digital banking user, and need guidance with how to set up your online account or want to learn about everything you can do in online and mobile banking, a dedicated professional can help you through the process. You can schedule a internet security health check, done at no additional cost for you, to evaluate your internet safety knowledge, and learn how to stay protected when banking online.

To get started, drop them an email at digital@firstrepublic.com.

The First Republic Mobile Banking app allows you to manage your First Republic Classic Checking account, as well as any other bank account of yours, at your convenience. 

You can use the app to:

• check your account balances, see recent transactions, and monthly statements,
• find and deposit checks,
• transfer money between your First Republic accounts, as well as between your First Republic accounts and those you have with other banks,
• send money to people and businesses,
• pay bills, make one-time payments, and set up recurring payments,
• turn on account and card alerts,
• find your routing and account numbers,
• contact customer support,
• add any other bank account of yours for a full financial picture, and more!

As you can see, the First Republic Mobile Banking app has all the features you need for on-the-go banking, so you can access your account wherever you are, and whenever you want.

You can get the First Republic Mobile Banking App on the App Store or Google Play, depending on the type of your mobile device.

When you open a First Republic Classic Checking, you'll receive a Visa ATM/debit card you can use worldwide for ATM cash withdrawals, as well as for in-store and online purchases. You can also link it to a digital wallet, such as Apple Pay or Visa Checkout for fast and convenient payments.

Your Visa ATM/debit card comes with Visa Zero Fraud Liability, and 24/7 fraud monitoring and client support ((800) 392-1407).

You'll be able to view your debit card transactions on your monthly statements, so as to keep an eye on your debit card usage, spending activity, and security overall.

If your First Republic ATM/debit card is lost or stolen, you must report it immediately to First Republic at (888) 408-0288. You should contact the same number in case of unauthorized debit card transactions - even if you're only in doubt!

First Republic Personal Banking Services include a range of banking services offered to First Republic customers. These include:

• Automatic Loan Debit,
• Cashier's Checks,
• Certificates of Deposit,
• Chip Cards,
• Collection Items,
• Direct Deposit,
• Domestic and International Wire Transfers,
• External Transfers,
• Funds Transfers,
• Overdraft Protection (Overdraft Line of Credit and Overdraft Protection by Linked Account),
• Refinancing.

These are basically services any bank offers, the only difference might being that, with First Republic, you'll have a personal banker work with you to find a solution that meets your financial needs. In case you ever need help making a wire transfer, ordering checks or opening a new First Republic account, you will receive immediate assistance.

While it's good to know you're not alone, to us, these "Personal Banking Services" are just phrasing used to make customers feel special, while the services provided aren't any special or unique at all. Besides, any bank will help their customers if necessary, especially if the service a customer is interested in implies the purchase of additional services offered by the very bank.

All types of deposit accounts are covered by the FDIC insurance. These deposit accounts include checking account, savings account, money market accounts, and certificates of deposit.

So, your First Republic Classic Checking deposits are insured up to $250,000 in case First Republic fails. Do note that investment products, such as mutual funds or stocks, aren't covered by FDIC.

You can find your First Republic routing number at the bottom left of your checks and deposit slips. It's 321081669.