Welcome to the Republic Way!
A message from Republic Bank of Chicago President William H. Sperling
Welcome to the Republic Bank family.
We’re excited you’re joining us!
Since our acquisition of Edgebrook Bank
(EB) earlier this year, you have had limited
access to Republic Bank of Chicago’s (RBC)
many advantages. I want to thank you for
your patience during the thorough conversion
process and inform you of changes soon
taking effect that will increase the value of
being a RBC customer.
Perhaps not surprisingly, RBC and the
former EB use different computer systems
to process your accounts and transactions.
The weekend prior to Novenber 9, we will
take necessary actions to undergo a bank
conversion. This is the transfer of all data
from your old bank’s computer systems to
the systems in effect at RBC. This is a routine,
but time-consuming process that consists
of numerous verifications to ensure that all
information is moved cleanly and correctly.
The EB employees are being trained on the
new software and will be able to help you
with any questions you may have after the
conversion is complete.
Soon you will have access to all of the products
and services that RBC has to offer, including
all 19 branches. Please note the upcoming
conversion milestones and the in-depth
summary of product and service modifications
throughout the remainder of this guide.
Thanks for the continued opportunity
to serve you. Come in and experience
“The Republic Way” today!
Sincerely,
William H. Sperling
Vice Chairman, President, CEO
Republic Bank of Chicago
Safe & Sound
Your money is safe and secure with Republic Bank of Chicago
What happened?
Edgebrook Bank (EB) was closed Friday,
May 8, 2015, by the Illinois Department of
Financial and Professional Regulation –
Division of Banking. The Federal Deposit
Insurance Corporation (FDIC) was the
appointed receiver. The FDIC transferred all
deposits and most assets from Edgebrook
Bank (EB) to Republic Bank of Chicago (RBC).
According to regulatory policy, no advance
notice is given to the public.
Are my deposits insured by
the FDIC? Are my deposits safe?
The FDIC Standard Maximum Deposit
Insurance Amount (SMDIA) for deposits is
$250,000 per depositor per insured financial
institution.
How does the closing of EB affect me?
If you deposit at both EB and RBC: deposits
at the two banks continue to be insured
separately by the FDIC for six months after
the bank closing date, up to applicable limits.
You can learn more at http://www.fdic.gov/
index.html .
The effect of the closing on the average
depositor of EB will be minimal, as the FDIC
transferred all deposits and certain loans to RBC.
Customers of EB and RBC should continue
banking as usual, and feel confident their
deposits are secure.
If you held an account at EB, you now have
an account at RBC. The former EB branch
has reopened as a RBC branch.
Is my money deposited in EB safe?
Please note: If you have an EB account,
you will not be able to transact business at
existing RBC branches until you are notified
that the system integration has taken place.
In turn, existing customers of RBC will not be
able to transact business at the EB branch
until we undergo the system integration.
Yes. In terms of the “safety” of EB deposits,
we consider this development very positive
for EB customers, given RBC’s fiscal strength.
RBC is currently classified by the regulators
as “well capitalized,” the highest possible
designation. All EB deposits remain safe and
sound, just as before, insured by the FDIC
within the legal limits.
What exactly is meant by conversion?
A bank conversion is the transfer of all data
from your old bank’s computer systems to
the systems in effect at RBC. This is a routine,
but time-consuming process, that consists
of numerous verifications to ensure that all
information is moved cleanly and correctly.
How will this conversion affect me?
Once the process is complete on November 9,
2015 you will have access to all the products
and services that RBC has to offer, including
19 branches.
On September 18, 2015, the former EB
branch will permanently close. Beginning
September 19, 2015, you will be able to conduct your banking needs at our Lincolnwood
location. Additional information on this
closure can be found on page 2.
Please peruse the rest of this booklet to
learn about accessing new locations, Online
Banking, our Debit MasterCard™, as well as
account changes and upgrades.
Important Dates. Mark Your Calendars!
September
September
18
October
19
9
Edgebrook Bank
Closure
Begin Banking at
Lincolnwood
At 5pm the branch will
permanently close.
All former Edgebrook
Bank customers can
begin banking at our
Lincolnwood branch.
See page 14, for
Lincolnwood location
details and hours.
October
20
October
23
November
November
5
6
November
9
Online Banking
Debit MasterCard™
Debit MasterCard™
Debit MasterCard™
Online Banking
Online Banking
Conversion Completed
Unlimited Access
Access your EB Online
Banking account and
save a copy of your
transaction history for
your records.
Your PIN (Personal
Identification Number) is
mailed. You will need this
PIN in order to use your
new Debit MasterCard™.
Your new Debit
MasterCard™ is mailed.
Once you receive your
card, activate your new
card immediately using the
PIN that was mailed to you.
After you activate your
card change your PIN. You
need to continue using
your old card from EB
through November 4th.
Begin using your new
card. You must perform
a PIN-based transaction
to activate your new
card. Once a PIN-based
transaction is successfully
completed, you may
begin to make signaturebased transactions. ATMs
and POS (point-of-sale)
transactions are now
available for use.Your old
EB card will no longer
work after today. Please
destroy your old card
once you have activated
your new card.
Last full day to access
your EB Online Banking
Account to save or print a
copy of your transaction
history. This record will
not transfer over to your
RBC Online Banking
Account.
Access to EB Online
Banking will be
unavailable beginning
at 12pm CST today.
You will have access to
RBC Online Banking
beginning Monday,
November 9th at 9am.
Please destroy your
old card after you have
confirmed that your new
card is activated and
destroy your EB checks
after ordering new RBC
checks.
You now have access to
all 19 branches.
Ordering Checks
Online Banking
You may visit a personal
banker at your branch to
order new checks.
Your account is
accessible online
at 9:00am on
RBankChicago.com.
Follow the directions
in the below section to
enroll for Online Banking.
If you have any difficulty
enrolling, please call
866.296.4035 for Online
Banking Support. You
can now enroll for
Online Banking and
E-Statements.
You will have until
November 5th to
complete this if you wish
to have a copy. This
record will not transfer
over to your RBC Online
Banking Account.
To enroll for Online
Banking see the section
below for directions.
Telephone Banking
Call 877.615.8728 to
set up banking over the
phone.
Personal Online Banking
Enroll for Online Banking
The Online Banking
system will be
unavailable from:
2
November
6
November
9
Transactions and history need to be printed
or downloaded prior to November 6, 2015
at 12pm CST. This information will not be
accessible online after this date.
12pm CST
Please make a record of your Bill Pay payees
so that you can easily enter them into the new
system.
9am CST
Also note, any Bill Pay transactions scheduled
for November 6, 7, and 8 will be paid on
November 6, 2015. Bill Pay transactions
scheduled for payment after November
8, 2015, will not be paid. Please plan
accordingly.
Beginning November 9, 2015, at 9am,
you sign up for online banking directly at
RBankChicago.com.
Business Online Banking
How to enroll for Online Banking:
Online Bill Pay
Go Green with E-Statements.
• Go to RBankChicago.com
Unfortunately, your Bill Pay transaction
history, payee information, and scheduled
transactions will not transfer to your new
RBC Online Banking Account. You will have
to enter all payee information and schedule
all Bill Pay transactions once you have
access to your new RBC Online Banking
Account. We apologize for this inconvenience.
E-Statements are FREE and available
for customers with checking accounts
or statement savings accounts.
E-Statements are a green way to
maintain your account history.
• Place your cursor over the ‘Personal’ menu
option and select ‘Spending & Saving’ from
the drop down menu that appears.
• Scroll down the page to ‘Online Services’
and select ‘Sign Up’. Follow the on screen
prompts.
Note: During the enrollment process you will
be asked give your last statement balance.
Please enter a $0 balance for all your
accounts. For Online Banking Support call
866.296.4035.
Online Bill Pay allows you to write checks
online for amounts up to $9,999. You can also
schedule automatic payments, receive bills
online, and view payment records. You must
be enrolled in Online Banking to have access
to Online Bill Pay. It’s FREE, safe, and easy!
• 24/7 account access
• Convenient, safe, secure, and FREE
• Reduces risk of identity theft
• Environmentally friendly — saves
paper
Transactions and history need to
be printed or downloaded prior to
November 6, 2015 at 12pm CST. This
information will not be accessible
online after this date.
Please note, any Bill Pay transactions
or transfers scheduled for November
6, 7, and 8 will be paid on November 6,
2015. Please plan accordingly.
Beginning November 9, 2015, at
9am, you sign up for online banking
directly at RBankChicago.com.
See page 10, for more details.
3
Personal Banking
Checking Accounts
Excess
Activity Charge
Check Writing
Check Image
Available
Direct Deposit
Available
Ring RB
Available
Debit
MasterCard™
Internet
Banking
E-Statements
Available
None
Unlimited
No
Yes
Yes
Yes
Yes
Yes
Tier 1: $0 – 999
Tier 2: $1,000 – 4,999
Tier 3: $5,000 – 24,999
Tier 4: $25,000+
None
Unlimited
Yes
Yes
Yes
Yes
Yes
Monthly (credited on
last day of each month)
Tier 1: $0 – 2,499
Tier 2: $2,500 – 9,999
Tier 3: $10,000 – 24,999
Tier 4: $25,000+
$25 fee charged
for transactions
in excess of 6 per
statement cycle
6 per
statement
cycle
No
Yes
Yes
Yes
Yes
Yes
Monthly
Tier 1: $0 – 4,999
Tier 2: $5,000 – 9,999
Tier 3: $10,000 – 24,999
Tier 4: $25,000 - 49,999
Tier 5: $50,000 - 99,999
Tier 6: $100,000 +
None
Unlimited
Yes
Yes
Yes
Yes
Yes
Yes
Account
Minimum
to Open
Service
Charge
Monthly
Service Charge
Minimum to Avoid
Service Charge
Interest Crediting/
Compounding
Tiered Interest
FREE Checking
formerly
EB Free Checking
$25
None
None
NA
NA
NA
Interest Checking
formerly
EB NOW Money Market
$1,000
Yes
$10 plus
$0.20/check
paid
$1,000 minimum daily
balance or average
collected balance of
$1,500
Monthly
Executive Money Market
formerly
EB Premier Money Market
$2,500
Yes
$25
$2,500 minimum daily
balance to avoid monthly
service charge
Elite Checking
formerly
EB Premier Checking
$5,000
Yes
$30
$5,000 minimum daily
balance
Yes
Important Information Regarding Changes to Your Account
Ordering Checks
How do I order new RBC checks?
Must I order new checks from RBC?
Visit a branch after November 9, 2015 to order
new RBC checks. All EB checks should be
destroyed when RBC checks are received.
RBC check provider is Harland Clarke. You
can order checks online at
RBankChicago.com or through a Personal
Banker at a RBC Branch.
You may order checks from the vendor of your
choice, at your own expense. However, you
must change the Routing Transit Number
(RTN) to 071001180 and the bank name to
Republic Bank of Chicago (see image). NOTE:
if you order checks from another source and
the information is incorrect, the erroneous
information may delay the processing of your
checks.
Will my Routing Transit Number change?
Yes. Your Routing Transit Number will
change to 071001180. However, your current
Routing Transit Number will be honored until
December 31, 2015. Please keep in mind
that beginning December 31, 2015, RTN
071001180 should be used for all your new
direct deposits, wire transfers, Automated
Clearing House (ACH) payments, deposit
tickets and check orders.
I am a business owner. What should I know
about my business checks?
Business check usage will be consistent with
personal check usage. Please see a Personal
Banker to order new RBC checks.
Sample Check
RBC’s check provider is
Harland Clarke. You can
order checks online at
RBankChicago.com or
through a Personal
Banker.
4
What will happen to my checking account
statement during the conversion of
operational systems?
All customers will receive their statements at
the regular time according to the statement
schedule at EB. After November 9, you will
receive an additional statement. Your next
checking account statement will be sent
based on your new account statement cycle
date. Please contact your Personal Banker
with questions.
Will the deposits I make at a branch be
credited the same day they are made?
As a general rule, most money deposited in
your account will be credited to your account
the same business day. However, if the
deposit is made on a Saturday, Sunday, or
federal holiday, the deposit is credited the
next business day. For more details on deposit
availability, please speak with a Personal
Banker.
What is the posting order for Consumer
Deposit items?
Our policy is to process deposits and credits
first. We process bank fees second. Third to
process is non-returnable items (includes:
in-person withdrawals, checks cashed at the
branch, internal transfers between accounts,
online banking transfers/payments, returned
deposit items, and wire transfers). Fourth
in line to process are ATM and Debit Card
transactions. Next, fifth in line, we process
preauthorized ACH Debits. Checks are
processed next or sixth in order. We process
items according to the dollar amount (smallest
to largest) if there are multiple items within the
category of transaction.
NOTE: Please see a RBC Personal Banker
for further details on the posting order for
Business Account items.
What happens if there are insufficient funds
in my account at the time of a transaction?
When will funds deposited in my account
be available for withdrawal and to pay
checks that I have written?
Availability varies depending on the type and
method of deposit. Our policy is to generally
make funds from the deposit of a check
available on the second business day after
the day of your deposit.
• Special deposit tickets, to ensure next
day availability, are available at the teller
window.
• When you make a deposit before closing
on a business day that we are open, we
will consider that day to be the day of your
deposit.
If a check, item or transaction (other than
• If an Exception Hold applies, the maximum
an ATM or everyday debit card transaction)
number of days the bank can delay funds
is presented without sufficient funds in your
from being available is seven business
account to pay it, we may at our discretion, pay
days.
the item (creating an overdraft) or return the
item for insufficient funds (NSF). We encourage • NOTICE: Under Exception Hold for New
you to keep careful records and practice good
Accounts, the maximum number of days
account management. This will help you to
the bank can delay funds from being
avoid creating items without sufficient funds
available is nine business days.
and potentially incurring the resulting fees. If
you have questions regarding this, please see • For deposits made at ATMs we own or
operate, funds will be available on the
a Personal Banker.
second business day after the day of
deposit. The funds from US Treasury
checks, the first $200 of a deposit and
on-us checks that are made payable to you
and are deposited at an ATM located on
our premises will be available on the first
business day after the day of deposit.
• If we cash a check for you that is drawn
on another bank, we may withhold
corresponding funds in your account.
Those funds will be available at the time
funds from the check we cashed would
have been available if you had deposited
the check.
For more information and/or a complete
copy of the updated Funds Availability Policy
please see a Personal Banker.
5
Saving Accounts
Account
Republic Statement Savings*
formerly
EB Statement Savings
EB Premier Statement Savings
EB Passbook Savings
EB Premier Passbook Savings
Republic Starter Statement Savings*
formerly
EB Kids Club Savings
Minimum
to Open
Service
Charge
Monthly
Service Charge
Minimum to Avoid
Service Charge
Interest Crediting/
Compounding*
Tiered Interest
$25
Yes
$3
$25 minimum
balance
Monthly
Tier 1: $25 – 4,999
Tier 2: $5,000+
$25
No
N/A
N/A
Monthly
Tier 1: $25+
Excess
Activity Charge
Direct Deposit
Available
Ring RB
Available
ATM Card
Internet
Banking
E-Statements
Available
$1 fee charged
for transactions in
excess of 6
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
$1 fee charged
for transactions in
excess of 6
* The above RBC accounts (Republic Statement Savings & Republic Starter Statement Savings) will receive, on a quaterly basis, a mailed
account statement. Interest is credited on the last day of each month on all savings accounts.
IRAs & CDs
Traditional IRA
The traditional IRA is an account which
allows you to defer taxes on your earnings
until they are withdrawn. Also, certain
contributions are tax deductible in the tax
year for which they are made.
Roth IRA
The Roth IRA is a non-deductible account
that features tax-free withdrawals for certain
distribution reasons after a five-year holding
period. Since Roth IRA contributions are
non-deductible and taxed in the year they
are earned, people who expect to be in a
higher tax bracket when they retire may
benefit more from these accounts than from
a traditional IRA.
Fee Schedule for Deposit Accounts — Effective Upon Conversion
Coverdell Education Savings Account
(CESA)
The Coverdell Education Savings Account is a
non-deductible account that features tax-free
withdrawals for a very specific purpose, a
child’s higher education expenses. At first
glance, the CESA looks similar to traditional
and Roth IRAs. After all, higher education
distributions are permitted from these
accounts as well. The crucial difference is that
while qualified higher education distributions
from a traditional or Roth IRA are penalty-free,
the same distributions from an Education IRA
are penalty-free and tax-free.
Consult your tax advisor regarding how
selecting one of these accounts would impact
your specific tax situation.
Offer may be withdrawn at any time without
notice. A penalty may be imposed for early
withdrawal. Minimum deposit to open account
is $1,000.00.
How often will CD interest be paid?
What will the bank’s early withdrawal
penalties be?
Penalties on CDs will be as follows: “Early
Withdrawal Penalty: If we consent to a
request for a withdrawal that is otherwise not
permitted, you may have to pay a penalty.
The penalty will be an amount equal to 90
days of interest on the amount withdrawn for
terms 3 months to 12 months, or 180 days of
interest on the amount withdrawn on terms 13
months to 60 months, whether earned or not.”
Returned Mail fee — after second month (per month)
Transfer to cover NSF when calling a Branch
$8.00
Telephone transfer fee when calling a Branch
$8.00
Dormant account fee*
$10.00
*An account is considered to be dormant if there has been no activity, exclusive of ACH
Balance inquiry when calling a Branch
$3.00
Check/Item copy (check written by customer)*
$3.00
Notary Public (customers only)
FREE
Check printing fee
Price will vary depending on style
Cashiers Check
$7.00
Money Order
$5.00
$10.00
transactions, or the posting of interest and/or service charges, for the following time periods
after the date of last activity: Demand Accounts (including NOW & Money Market Accounts) 1 year; Savings Accounts 2 years; and Certificate of Deposit Accounts 5 years
Overdraft Related Fees
Paid/Return NSF fee
$35.00
Continuous OD fee (per day, after 5 days)
$5.00
Daily Maximum Paid/Returned NSF fee
$140.00
The types of transactions for which overdraft fees may be imposed are: ATM withdrawals,
debit card transactions, preauthorized automatic debits, in- person withdrawals,
telephone-initiated transfers, other electronic transfers, as well as check transactions.
Wire Transfer Fees Via Branch
Miscellaneous Fees
Domestic-Outgoing$30.00
Account history request/ Statement copy
$15.00
Research/Reconciliation $50/hr (1hr minimum)
If I allow my CD to automatically rollover
what term will it roll into?
25 Months
24 Months
Counter Check fee per item (Maximum 5 per month)
$5.00
30 Months
30 Months
Stop Payment fee (per item)
$35.00
CD Term Rollover Term
36 Months
36 Months
Charge back fee (per check)
$25.00
91 days or less
3 Months
40 Months
36 Months
Automatic Transfer (per transfer)
$6.00
48 Months
Early account closing fee (closed within first 6 months)
$35.00
60 Months
Lost Passbook (savings only)
$35.00
Domestic Collection fee - Outgoing
$40.00
3 Months
3 Months
48 Months
6 Months
6 Months
60 Months
7 Months
6 Months
8 Months
6 Months
9 Months
9 Months
10 Months
9 Months
11 Months
9 Months
12 Months
12 Months
This chart reflects the changes when a Certificate of
Deposit/CD IRA term matures into another term. The above
chart is a schedule of how a specific term CD will mature
should the CD just roll over automatically and not be closed
and re-opened or renegotiated into another term by the
customer. (Notices received prior to October 23, 2015, may
have incorrect renewal term information. Customers should
refer to the list for correct renewal information).
Domestic Collection fee - Incoming
$50.00
Foreign Currency/Check Collection fee
$100.00
Foreign Check (Canadian) Processing <$10,000
$15.00
Foreign Currency/Check Collection fee applies if >$10,000
Domestic-Incoming$15.00
International (U.S.Dollars)
$50.00
International (Foreign Currency)
$100.00
Wire Transfer Cut-Off Time–2:00PM Central Time
Safe Deposit Box Annual Rental Fees
2” x 5” x 22”
$30.00 3” x 5” x 22” $40.00
4” x 5” x 22”
$45.00
5” x 5” x 22” $50.00
3” x 10” x 22” $65.00
4” x 10” x 22”
$70.00
5” x 10” x 22” $75.00
6” x 10” x 22”
$80.00
8” x 10” x 22”
$95.00
10” x 10” x 22” $135.00
12” x 10” x 22”
$155.00
10” x 20” x 22” Lost keys (per key)
$215.00
$25.00
Coupon redemption
$35.00
Delinquency charge
$10.00
$10.00
Drilling charge
$250.00
With an automatic payment from a Republic Bank checking or savings account, the
customer receives a $10.00 discount. Safe Deposit Boxes are not available at all locations.
Chicago Branches Safe Deposit rentals are also subject to a City of Chicago sales tax.
13 Months
12 Months
Signature Verification Stamp
14 Months
12 Months
Medallion Stamp
$20.00
Levies, Garnishments, Citations, etc. $225.00
Coin
1% of total value/$5 min.
ATM/Debit Cards
Immigration Letter $25.00
Replacement ATM/Debit MasterCard™$15.00
Hold Do Not Mail Request
$10.00/month
Standard Express/Overnight delivery 15 Months
12 Months
Will CD/IRA interest rates remain the
same?
16 Months
12 Months
17 Months
12 Months
Yes, interest rates will remiain the same until
renewal.
18 Months
18 Months
19 Months
18 Months
6
ServicesFee
Checks
Answers to Questions Regarding CDs & IRAs
All CD interest will pay on a month-end
basis. The first payment will take place
on November 30, 2015, and then occur at
month-end going forward. This includes
interest checks, interest transfers into
another account and interest added to the
Certificate of Deposit.
Availability of some services varies by location. These fees may not be inclusive of all of our fees. Fee schedule effective March 1, 2013.
24 Months
24 Months
(plus attorneys fees if any)
$30.00
ServicesFee
*Research fee may apply
7
Personal Borrowing
Personal Loans
We have many lending options available.
• Home Equity Loans
• Home Equity Lines of Credit
• Residential Mortgages
• Fixed Rate Mortgages
Debit MastercardTM Card for Personal and Business
Home Equity Loans &
Lines of Credit
Answers to Questions
Regarding Active Loans
Home Equity Loans and Lines of Credit allow
you to borrow a percentage of the equity in
your home for whatever you need. Equity is
the money value of your home in excess of
any money you owe on it.
Who will I make my loan payments
payable to?
Effective immediately, loan payments should
be made payable to Republic Bank of
Chicago. To avoid delays in processing your
payment, please mail to:
• Adjustable Rate Mortgages
Home Equity Loans and Lines of Credit are
great for:
• Construction & Renovation Financing
• Home improvements
• Auto Loans
• Vacations
• Overdraft Protection
• New car purchase
• Savings Secured Loans
Home Equity Loans Borrow a lump sum with
fixed rates and terms, and fixed payments.
• Credit Cards
Please contact any of our Branch Managers
for a Personal Loan customized to meet your
needs.
Fixed Rate Mortgages
With our Fixed Rate Mortgages you can be
confident that your loan payment will not
fluctuate when the market changes.
Adjustable Rate Mortgages
Our Adjustable Rate Mortgages offer a lower
rate for a short period of time. The rate may
change annually thereafter.
We offer 5/1 and 7/1 ARMs.
Home Equity Lines of Credit Borrow money
as you need it, against an established line
of credit, based on your equity. This is a
revolving 10 year line.
For more information, contact a Personal
Banker.
Auto Loans
A range of rates and terms are available for
new and used car purchases and refinance.
The amount of the down payment, length of
the loan and other factors are weighed to tailor
a monthly payment that suits your budget.
Republic Bank of Chicago
Attn: Loan Operations
2221 Camden Court, Oak Brook, IL 60523
Will the terms of my loan be affected in the
conversion?
No, the terms or conditions of your loan will not
be affected. All rates, fees and payments will
remain the same.
Will the loan I have set up for automatic
payments change?
No, if your loan is set up to automatically
debit an account for your loan payment, it will
continue to draft.
Who can I contact regarding my loan?
Please call Republic Bank Loan Operations
Department at 630.570.7758, or your loan
officer with any questions.
We may report information about your
account to credit bureaus. Late payments,
missed payments, or other defaults on your
account may be reflected in your credit
report.
Your new RBC Debit MasterCardTM card is
effective beginning November 5, 2015.
• October 20: Your PIN (Personal ID Number)
is mailed out to you.
• October 23: Your new RBC Debit
Master-CardTM
card is mailed out to you.
• Activate your new card immediately by
doing one of the following:
- Call 877.615.8728 and follow prompts
- Complete a PIN-based transaction
• Continue using your old card through
There are a number of special programs
offered by the U.S. and State of Illinois
governments that help first time home buyers
purchase a home. Ask a friendly mortgage
specialist about your options.
November 4.
• November 5: Please destroy your EB
card and begin using your RBC Debit
MasterCardTM only .
Features and Benefits
ATTENTION
• It makes cents! Receive 3 cents back on all
point-of-sale (POS) purchases!
• Over thousands of Surcharge-Free ATMs!
• 24/7 account access
• Accepted nationwide
• Cash withdrawals from Checking and
Savings accounts
• Transfer between RBC accounts (activity
restrictions may apply)
• Balance inquiries
• Deposits at select ATM locations
• Cash advances at MasterCard™ member
institutions
IMPORTANT REGULATORY INFORMATION
What if I want RBC to authorize and pay
overdrafts on my ATM and everyday debit
card transactions?
Visit a RBC Branch to complete a Reg-E Optin form to affirmatively consent to this service.
If I opted in with EB, authorizing them to
pay overdrafts on ATM and everyday debit
card transactions, must I opt-in for this
service to continue with RBC?
Yes. Your agreement for this service needs to
be re-established with RBC.
• Stand-in limits apply November 5-8.
- $200 ATM cash withdrawals (PIN)
Mobile Banking lets you bank
when and where you want.
- $300 signature transactions (POS)
Normal card limits will apply after conversion
is complete on November 9, 2015.
Don’t Forget!
• Deposit checks on the go
• Schedule one-time payments with Bill Pay
• Check your latest account balance
• Search recent transactions
• Easily transfer cash between your accounts
• Find nearby branches and ATMs
Download the App and get started today!
Does my Business account offer a Debit
MastercardTM?
• Yes. You can receive a Business Debit
MasterCardTM with any Business Checking
or Business Money Market account.
• For Business cards, receive 10 cents back
on all point-of-sale purchases.
Contact any vendors that may use your card
for reoccurring payments and notify them of
your new card number.
Contact your local branch with any questions
or concerns you may have.
The Debit MasterCard™ is FREE and is
available to customers with Checking
accounts and Money Market accounts. The
Debit MasterCard™ allows you the freedom
to travel light — without your checkbook,
credit cards or large amounts of cash.
Equipped with the same security features as Republic Bank of Chicago Online Banking.
Message and data rates may apply. Review complete Terms and Conditions.
8
9
Business Banking
Business Accounts
Account
Minimum
to Open
Service
Charge
Monthly
Service
Charge
Minimum to Avoid
Service Charge
Interest Crediting/
Compounding
Tiered Interest
Excess
Activity Charge
Business Basic Checking*
formerly
EB Business Free Checking*
EB Non Profit Checking*
$100
NA
NA
NA
NA
NA
Cash deposits over $1,000 per statement Yes
cycle charged $1.50 per $1,000 deposited;
Transactions over 100 are $0.75 each
Business Advantage Checking*
formerly
EB Business Free Checking*
$100
Yes
$15
$2,500 average
collected balance
NA
NA
Commercial Checking*
formerly
EB Business Free Checking*
$100
Yes
Vary
NA
NA
Business Select Money Market*
formerly
EB Business Free Checking*
$2,500
Yes
$25
Fees are offset by an
earnings credit. See
Commercial Fee
Schedule*
$2,500 minimum
daily balance to avoid
monthly service charge
Tiered/Monthly
Tier 1: $0 – 2,499
(credited on last
Tier 2: $2,500 – 9,999
day of each month) Tier 3: $10,000 – 24,999
Tier 4: $25,000 – 99,999
Tier 5: $100,000+
Check
Writing
Check
Image
Available
Direct
Deposit
Available
Ring RB
Available
Debit
Internet E-Statements
MasterCard™ Banking Available
Yes
Yes
Yes
Yes
Yes
Yes
Cash deposits over $5,000 per statement
cycle charged $1.50 per $1,000 deposited; Yes
Transactions over 200 are $.50 each
Yes
Yes
Yes
Yes
Yes
Yes
Depends on account activity and balance
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
6 per
$25 per item for transactions in excess of 6 statement
per statement cycle
cycle
*All former EB Business Free Checking account customers should have received a letter in the mail indicating which RBC checking
account has been designated for you. Please reference that letter when reviewing the business checking account details. Speak to a
Personal Banker for the Commercial Fee Schedule.
Business Online Banking
Transactions and history need to be
printed or downloaded prior to November
6, 2015 at 12pm CST. This information will
not be accessible online after this date.
Please note, any Bill Pay transactions or
transfers scheduled for November 6, 7, and
8 will be processed on November 6. Bill Pay
transactions scheduled for payment after
November 8, will not be pald. Please plan
accordingly.
Online Bill Pay
Unfortunately, your Bill Pay transaction
history, payee information, and scheduled
transactions will not transfer to your new RBC
Online Banking Account. You will have to
enter all payee information and schedule all
Bill Pay transactions once you have access to
your new RBC Online Banking Account. We
apologize for this inconvenience.
Online Bill Pay allows you to write checks
online for amounts up to $9,999. You can also
schedule automatic payments, receive bills
online, and view payment records. You must
be enrolled in Online Banking to have access
to Online Bill Pay. It’s FREE, safe, and easy!
10
Beginning November 9, 2015, at 9am, you
will be able to enroll for Online Banking.
How to enroll for Online Banking:
• Go to RBankChicago.com
• Place your cursor over the ‘Business’ menu
option and select ‘Manage Your Business’,
then ‘Checking & Savings’ from the drop
down menus that appears.
• Scroll down the page to ‘Online Services’
and select ‘Sign Up’. Follow the on screen
prompts.
Note: During the enrollment process you
will be asked give your last statement
balance. Please enter a $0 balance for all
your accounts. For Business Online Banking
Support call 800.593.4345.
Business Borrowing
Commercial Real Estate
Go Green with E-Statements.
• Loans and Lines of Credit
• Commercial Mortgages
E-Statements are FREE and available
for customers with checking accounts or
statement savings accounts. E-Statements
are a green way to maintain your account
history.
• Working Capital Lines of Credit
• Commercial Construction Loans
• Equipment Loans
• Commercial Real Estate Loans
• Business Expansion Loans
• Residential/Developmental Properties
We have the expertise to meet all your
business needs. Contact Peter Sperling
at 630.664.5276 today to create a custom
business solution tailored for your business.
• Acquisition Financing
• 24/7 account access
• Convenient, safe, secure, and FREE
• Reduces risk of identity theft
• Environmentally friendly — saves paper
Cash Management
Services
Let Republic Bank help you meet your goals
by customizing a package of services for your
company.
• Collection Services
• Disbursement Services
• Automatic Sweep Services
• Card Services
• Business Online Banking
• Land Development Loans
• Multi-Family Properties, Acquisition and
Refinance
• Letters of Credit
Our team of experienced real estate
professionals has funded hundreds of millions
of dollars in transactions. When you work
with us, you will not only get great products
and rates, but you will get custom tailored
transactions that fit your needs.
For Commercial Real Estate solutions, please
contact Dave Livingston at 630.241.5704.
Answers to Questions
About Business Banking
Will my employees continue to be able to
cash their checks at the bank even if they
are not RBC customers?
Effective November 9, non-account holders
cashing checks drawn on EB or RBC will be
subject to the following procedures:
• A fee per check will be assessed for
cashing checks drawn on RBC.
• These checks may be cashed in the lobby
only for a limited amount.
• Two forms of identification are required.
• The individual will be asked to apply their
right thumb to an inkless fingerprinting
device that will be placed on the front of the
check.
• This procedure can be avoided by opening
a RBC checking account, or if you are
a business owner, you might consider
offering Work Perks to your employees.
See page 12 for details on Work Perks.
For Cash Management solutions, please
contact Michael Gilbert at 630.209.4009.
11
Work Perks
Enhance your employees’ benefits with help from Republic Bank of Chicago
Investments & Financial Services
With Work Perks, your employees will
receive exclusive bank benefits, including:
• FREE Checking
• One-time $25 bonus with direct payroll
deposit to FREE Checking account*
• FREE box of RBC checks
Republic
Financial Services
• No minimum balance
• No monthly service charges
• FREE unlimited transactions
• FREE 24/7 phone access
• FREE Online Banking with FREE Online
Bill Pay
• FREE E-Statements
• FREE cash-back Debit MasterCard™
• Additional coupons for waived fees and
special offers on Safe Deposit Boxes and CDs
For more information, contact a Personal
Banker.
Designed for our business customers, Work
Perks is a unique package of RBC products
and services designed to enhance the
financial needs of your employees.
* Bonus will be deposited to account once ACH credit posts
to account. One-time bonus period expires 90 days from
account opening date. No minimum balance is required
to obtain bonus. Reward may be considered reportable
income and may be reported on IRS form 1099.
Personal
We have the investment products and
services to help you plan for your future.
• Financial Planning
• Fixed Income
• Education Planning
• Annuities
The Importance of Investing.
You’ve worked hard for what you have and
deserve to have the future you want. Your
financial future depends in large on decisions
you make today. When you take the time to
build a financial plan you are taking the first
step in achieving your goals, and we will be
there to help guide you every step of the way.
• Private Asset Management
• Equity Investments
Why Invest?
• Insurance
Developing an investment plan requires
you to quantify your goals and could
greatly improve your chances of achieving
the retirement that you have dreamed of
for yourself and your family. It could help
maximize the chances of meeting the
objectives in your financial plan and best align
with your financial goals.
• Retirement Planning
• Legacy Planning
• Alternative Investments
• Global Wealth Services
• FREE — no cost to your company or
employees
Regardless of the state of your current
financial picture, it’s always a good idea to
review your financial plan and understand
how it relates to your financial goals and be
aware of the measures you can take to help
you stay on track.
Why Have a Financial Advisor?
Having the support and knowledge of a
financial consultant may improve your
chances of having a more secure future for
you and your loved ones.
We can help guide you through a process and
navigate you through the steps you should
be taking that best enable you to reach your
financial goals. You may even discover new
opportunities that you weren’t aware of or
better understand the ones you do have and
how you can improve them to better fit your
specific needs.
• Tailored for your business
• Reduces payroll costs by increasing direct
deposit participation
• Convenient for your employees
• Easy to implement
• Requires no administrative effort from you
Ask us how to enroll your staff.
Business
Employer Benefits Planning
We specialize in helping employers develop
cost-effective benefits programs and executive compensation plans to help attract and
retain valuable employees.
• Group Insurance Plans
• Disability Insurance
• Health Insurance
• Premium Financing
Business Succession & Exit Planning
We help small business owners prepare to
exit or retire under the most favorable
financial conditions. We look at key issues
such as will the business be capable of
distributing enough income to principals
post departure. We develop strategies to
maximize value in the short and long terms
and when appropriate, we coordinate the
development of a business succession
and exit plan with bankers, attorneys and
accountants.
• Retirement Plan Services
• Defined Contribution Plan Services
• Defined Benefit Plan Services
• Insurance-based Retirement Plans
No Bank Guarantee | Not a Deposit | Not FDIC Insured | Not Insured By Any Federal Government Agency | May Lose Value
All Securities and Advisory Services offered through Investment Professionals, Inc. (IPI), a Registered Broker/Dealer & Registered Investment Advisor and member FINRA & SIPC.
The investment services offered by IPI under the name Republic Financial Services are in no way affiliated with or offered by Republic Bank nor is Republic Bank a registered broker/dealer. Customers working with Republic Financial Services will be dealing solely through IPI with respect to their investment, brokerage and securities transactions. IPI does
not offer or provide legal or tax advice. Please consult your attorney and/or tax advisor for such services. The products offered by Investment Professionals, Inc. are not insured by
the FDIC, the NCUA or any other agency of the government, are not deposits or other obligations for the bank or guaranteed by the bank and involve investment risks, including
possible loss of principal amount invested.
12
13
Access Anywhere
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A
5 mi
B
D
E
F
P
C
Q
S
G
L
H
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K
J
SR
M
N
O
A 4433 W Touhy Avenue, Lincolnwood, IL 60712
p 847.675.2800 f 847.675.5747
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 7pm M – F, 8am – 1pm Sat
Walk-Up: 8am – 9am M – Sat
G 2221 Camden Court, Oak Brook, IL 60523
Retail p 630.928.1505 f 630.928.1477
Corporate p 630.570.7700 f 630.928.1479
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 9am – 1pm Sat
B 2720 W Devon Avenue, Chicago, IL 60659
p 773.761.2700 f 773.761.3604
Lobby Hours: 9am – 5pm M – Th, 9am – 6pm F, 9am – 1pm Sat
Drive-Up: 9am –6pm M – Th, 9am – 7pm F, 9am – 2pm Sat
Walk-Up: 8am – 9am & 5pm – 6pm M – Th, 8am – 9am &
6pm – 7pm F, 8am – 9am & 1pm – 2pm Sat
H 9440 Joliet Road, Hodgkins, IL 60525
p 708.387.2680 f 708.387.2686
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
C 120 W Madison, Chicago, IL 60602
p 312.263.7242 f 312.263.7237
Lobby Hours: 8am – 5pm M – F
2nd Floor (Personal Banking): 9am – 5pm M – F
D 1640 W Lake Street, Addison, IL 60101
p 630.285.5500 f 630.285.1928
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
E 6400 W Diversey Avenue, Chicago, IL 60707
p 773.237.9879 f 773.237.9367
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – F, 8am – 1pm Sat
Walk-Up: 8am – 9am & 5pm – 6pm M – F, 8am – 9am Sat
F 5500 St. Charles Road, Berkeley, IL 60163
p 708.544.5500 f 708.544.5520
Lobby Hours: 9am – 5pm M – Th, 9am – 6pm F, 9am – 1pm Sat Drive-Up: 8am – 6pm M–Th, 8am – 7pm F, 8am – 1pm Sat
Walk-Up: 8am – 9am & 5pm – 6pm M – Th, 8am – 9am &
6pm – 7pm Fri, 8am – 9a Sat
N 15790 S Harlem Avenue, Orland Park, IL 60462
p 708.342.2530 f 708.342.2531
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
O 8420 W 171st Street, Tinley Park, IL 60487
p 708.429.9360 f 708.429.9331
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
I 6501 S Pulaski Road, Chicago, IL 60629
p 773.581.4500 f 773.581.4563
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
P 101 Main Street, West Chicago, IL 60185
p 630.231.5100 f 630.231.1423
Lobby Hours: 9am –5pm M – F
Drive-Up: 8am – 6pm M – F, 8am – 1pm Sat
Walk-Up: 8am – 6pm M – F, 8am – 1pm Sat
J 4028 W 79th Street, Chicago, IL 60652
p 773.581.6191 f 773.581.9612
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
Q 105 E Roosevelt Road, West Chicago, IL 60185
p 630.231.8317 f 630.876.3186
Lobby Hours: 9am –5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – F, 8am – 2pm Sat
K 1510 75th Street, Darien, IL 60561
p 630.241.4500 f 630.241.4502
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
R 2720 Hassert Blvd, Naperville, IL 60564
p 630.922.1500 f 630.922.1515
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
L 101 Chestnut Street, Hinsdale, IL 60521
p 630.323.3800 f 630.789.2559
Lobby Hours: 9am –5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – F, 8am – 1pm Sat
S 2136 S Oak Park Ave, Berwyn, IL 60402
p 708.637.9100 f 708.637.9101
Lobby Hours: 9am – 5pm M – Th, 9am – 6pm F, 9am-1pm Sat
M 9530 W 131st Street, Palos Park, IL 60464
p 708.923.1013 f 708.923.1305
Lobby Hours: 9am – 5pm M – F, 9am – 1pm Sat
Drive-Up: 8am – 6pm M – Th, 8am – 7pm F, 8am – 1pm Sat
Surcharge-Free ATMs
Bank by Phone 1.877.615.8728
Bank at RBankChicago.com
Safe Deposit Boxes
Over Thousands of Surcharge-Free ATMs
Your destination for Online Banking, Online Bill Pay, and
E-Statements.
Available at these branches:
All 19 branch locations have ATMs that you can access for FREE.
To find nationwide surcharge-free ATMs in the STARsf system:
Access account and loan information in English and
Spanish anytime from anywhere.
• Balance inquiries
See pages 2 and 3 for more details.
• Go online to star.com
• Transfer funds between RBC accounts*
Online Banking Help Line
• Click “Star® ATM Locator”
• Verify deposits and withdrawals
• Call 866.296.4035
• Specify “Surcharge-Free ATMs” and search by zip code to find
• Determine the status of specific written checks
results in your area
What are the normal transaction limits for my Debit
MasterCard™?
• $300 ATM cash withdrawals (PIN)
• $1200 signature transactions (POS)
What should I do if my card becomes lost or stolen?
Call 800.236.2442 immediately to report it .
To access Bank by Phone
• Have your Account Number, SSN, and Personal
Identification Number (PIN) handy.
• Press 1 for English and 2 for Spanish.
• Enter your PIN followed by the pound key (#). The first
time you call, the PIN will be the last four digits of the
primary account holder’s SSN or Tax ID number. Once
the initial PIN is entered, you will be prompted to select
a new PIN.
• 4433 W Touhy Ave, Lincolnwood 847.675.2800
• 2720 W Devon Ave, Chicago 773.761.2700
• 6501 S Pulaski Rd, Chicago 773.581.4500
• 9440 Joliet Rd, Hodgkins 708.387.2680
• 1510 75th St, Darien 630.241.4500
Customer Service
Need help? Call us.
New Account & Services
• Call 800.526.9127
• 1640 W Lake St, Addison 630.285.5500
• 5500 St. Charles Rd, Berkeley 708.544.5500
• 2720 Hassert Blvd, Naperville 630.922.1500
• 105 E Roosevelt Rd, West Chicago 630.231.8317
• Listen to the menu as it guides you through the
necessary steps to access your accounts through your
telephone keypad.
*Activity restrictions may apply.
14
15
2221 Camden Ct
Oak Brook, IL 60523
Welcome to the Republic Bank Family.
Republic Bank of Chicago is committed to providing
creative financial solutions that enhance and inspire
our customers’ business and personal lifestyles. We
help our customers achieve their success by employing
enthusiastic professionals and empowering them
to deliver the ultimate customer experience.
We define this as “The Republic Way”.
We’re celebrating over 50 years of
serving greater Chicagoland.
Founded in 1964 with a single location
on the southwest side, Republic Bank of
Chicago has thrived as a family-owned
neighborhood bank, growing to ninteen
locations throughout the Chicagoland area.
With the recent acquisition of Edgebrook
Bank, we’re excited to begin lasting
relationships with your communities.