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Overdraft Protection expands your purchasing power and reduces overdrafts by transferring funds from your savings or money market deposit account.

How overdraft protection works

If any check is presented for payment on an insufficient balance in your First Republic checking account, the available funds will be transferred into your checking account from your Savings or Money Market Account* to cover the amount of the check. Transfers will occur only as long as there are sufficient funds in the Savings or Money Market Account*. Transfers are made for the exact amount and are subject to a limit of six per month. There is a $3 fee per transfer. You will be notified by mail whenever your overdraft protection is accessed.

Overdraft protection advantages

Avoid costly overdraft charges and returned checks
Cover unforeseen expenses
Eliminate special trips to the bank just to make a deposit
Be able to make special item purchases
Cover for errors in check register

To apply for overdraft protection

Applying for a new account... Select the Link Savings Account to Checking Account for Overdraft Protection option under Additional Services in the Account Selection section of the online deposit account application.
Adding to an existing account... Download the Overdraft Authorization form (PDF), print it, fill it out, and mail it to:

First Republic Bank
111 Pine Street
San Francisco, CA 94111

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