First Republic Senior / Minor Checking Account (MA only)

Only senior citizens aged 65 or older or young citizens aged 18 or younger can apply for the First Republic Senior/Minor Checking account. Keep in mind this checking account is only available in Massachusetts.

If you're less than 18 years old, you must have a parent or legal guardian open the account as a joint owner with you. This  means you cannot open the First Republic Minor Checking account on your own, but with the approval and co-ownership of your parent/legal guardian.

You can only apply for and open a First Republic Senior/Minor Checking account in one of First Republic Massachusetts offices. You can use the bank's office locator to find a branch nearby. If you're interested in learning more about the First Republic Senior/Minor Checking, opening a checking with First Republic or banking with First Republic in general, you can call them at (888) 408-0288 or complete a form to have them contact you.

While First Republic didn't precise exactly which fees were still applicable, we know for sure you might pay for overdrafts or returned items (overdraft and NSF fees), cashier's checks ($10 each), outgoing wire transfers, stop payments, and similar banking services. You won't pay any monthly maintenance fees, though.

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.

The First Republic Mobile Banking app allows you to manage your First Republic Senior/Minor Checking account, as well as any other bank account of yours in an easy and convenient way. It's optimized for mobile devices, so you can bank while on the go as if you were at home.

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!

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

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.

First Republic's mobile banking app lets you control your First Republic ATM/debit card the way you want, thanks to various features you can turn on and off, including:

1. Card usage: Block/Unblock: If your First Republic ATM/debit card has been lost or stolen, you can temporarily lock it to prevent its being used, and then unlock it once it's been found.

2. Card preferences: You can set purchase limits, and card alerts (transaction amounts, transaction declined, unusual activity). This way, you'll receive instant notifications when one transaction you specified is triggered or a potential fraudulent activity detected.

All is done in a few simple steps, so you'll be able to manage your ATM/debit card easily, and on your own.

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 card transactions - even if you're only in doubt! Also, don't forget to block the card from within the app, so no one is able to use it!

As digital banking experts, First Republic Digital Specialists are 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.