For all money transfers and direct deposits, you'll need to know the routing number/ABA number.
ABA number: 321081669
First Republic's American Bankers Association, or ABA, routing transit number can be found at the bottom left of your checks and deposit slips. When signing up for any service that will automatically deposit or deduct money from your account, it is essential that you use the correct number. If you have any doubts, please contact our Customer Care Center at (888) 408-0288or your local banker for verification.
For international money transfers, you'll also need the SWIFT code.
First Republic Bank does not offer a personal credit card at this time. We do offer commercial charge cards, issued by First Bankcard, for business clients. Please reach out to your business banker for more information.
Malware or malicious software is used by criminals and hackers to take control of a computer for such purposes as stealing sensitive information, interfering with the normal operation of the computer or selling useless software or other services. A computer can become “infected” by malware through clicking on attachments to phishing emails, loading infected CDs or flash drives on to the computer or clicking on links that take you to infected web sites. The technology industry uses several terms for specific types of malware, including “viruses”, “worms”, “trojan horses”, ”spyware”, “adware” and “key loggers”. The best steps to take in preventing your computer from being infected by malware are to install antivirus software from a reputable vendor and keep your antivirus, operating system and browser software up to date.
Junk emails or spam make up a significant percentage of email traffic on the Internet. “Phishing” emails are a subset of these emails and are focused on tricking the email recipient into divulging sensitive personal information (such as bank and credit card accounts, passwords, PINs, etc.). A Phishing email may ask you to reply to the email with the sensitive information or to click on a link that will take you to a fake web site that will ask you for the information. Please see How to Identify Fraudulent Emails (phishing).
Regulation E is a federal banking regulation that provides protection for consumers when they report fraudulent, unauthorized transactions occurring on their bank accounts through electronic channels. The regulation covers bank accounts owned by consumers and used primarily for personal, family and household purposes. It applies to electronic transfers such as ATM deposits and withdrawals, Visa debit card purchases of merchant goods and services by signature or PIN, direct deposits, and preauthorized payments , and similar electronic transactions. It covers purchases made over the Internet using a debit card or a checking or savings bank account number, as well as other types of online banking transactions.
Since Regulation E is a consumer protection regulation, it does not apply to transactions on accounts owned by businesses or used for business purposes (such as accounts owned by sole proprietors, corporations, partnerships, and other business entities). For more information regarding roles, responsibilities and protection on business accounts, please see the “Unauthorized Transactions and Errors” section of the Business Account Disclosure and Agreement.
For customers with accounts in multiple ownership categories at a single financial institution, FDIC coverage is based on the titling of the accounts and the category of accounts, not the number of accounts. Categories of ownership include single or individual, joint, revocable and irrevocable trust, business, certain retirement accounts, and others. For example, a customer who owns a checking account and a CD titled in his or her own name as a single owner will receive a total of $250,000 of combined coverage for both accounts. But if that same customer also has a joint account (which is a separate category from individual accounts), he or she could receive an additional $250,000 deposit insurance for the funds held in the joint account.
We welcome the opportunity to speak to you about the safety provided by FDIC insurance. See your Preferred Banker for details, contact the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342) or visit EDIE, the Electronic Deposit Insurance Estimator, for the most recent information.
First Republic Bank is regulated by the Federal Deposit Insurance Corporation. If you have a concern or complaint about the bank, you can report it by going to www.fdic.gov and completing the Customer Assistance Online Form. You can also call the FDIC Call Center 1-877-ASK-FDIC (1-877-275-3342) 5:00 am - 5:00 pm PT Monday-Friday; 6:00 am - 2:00 pm PT Saturday-Sunday For the Hearing Impaired Toll Free 1-800-925-4618 / Local (VA) 703-562-2289.
The FDIC’s basic insurance limit is $250,000 per depositor. The insurance coverage limit applies per insured bank for each ownership category. Certain retirement accounts, such as individual retirement accounts, are also insured up to $250,000 per depositor per insured bank. If you have a combined amount of $250,000 or less in all of your deposit account categories at the same insured bank, you do not need to worry about your insurance coverage, as your deposits are fully insured.
The FDIC guarantees all traditional types of deposit accounts (checking, savings, money market deposit accounts and CDs) up to $250,000 per depositor and guarantees bank individual retirement accounts up to $250,000 per owner. Investment products (mutual funds, annuities, life insurance policies, stocks and bonds) are not FDIC-insured, may lose value and are not bank-guaranteed.
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