Frequently Asked Questions

General

  • Where can I find information on current interest rates for CDs?

    To learn about our competitive interest rates for CDs, please contact your local Preferred Banking Office or our Customer Care Center at (888) 408-0288.

  • Where can I find current mortgage interest rates?
    To learn about our competitive interest rates for home mortgages, please contact your local Preferred Banking Office or our Customer Care Center at (888) 408-0288.
  • What is the ABA routing number for First Republic Bank?
    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) 408-0288 or your local banker for verification.

    For international money transfers, you'll also need the SWIFT code.

    SWIFT code: FRBBUS6S
  • What is the SWIFT code for First Republic Bank?
    The SWIFT code for First Republic Bank is FRBBUS6S.
  • How do I get a copy of my 1099 form?
    If you would like a copy of your 1099, please contact your local Preferred Banking Office or our Customer Care Center at (888) 408-0288.
  • Does First Republic Bank offer a credit card?

    First Republic Bank does not offer a credit card at this time. We do, however, offer ATM/Debit Cards for personal and business accounts. If you operate a business, we would be happy to recommend a card.

  • How do I make a wire transfer to or from my First Republic Bank account?
    Funds can be transferred to and from your First Republic Bank account by wire transfer or via ACH (Automated Clearing House) debits or credits.

    To receive funds by wire transfer, please include the following information on your instructions to the originating institution:

    WIRE INFORMATION FOR FIRST REPUBLIC BANK
    Name of Bank: First Republic Bank
    City and State: San Francisco, CA
    ABA Number: 321081669
    Beneficiary: [Customer's Name and Account Number]
    Optional Text: [Originator's Name, Recipient's (at FRB) Name and Preferred Banking Office/Department, Account Number]
  • Where can I find a nearby First Republic Bank office?
    To find the Preferred Banking Office closest to you, simply visit our Preferred Banking Office locator and enter your city/state or ZIP code.
  • What are First Republic Bank's hours of operation?
    Our hours of operation vary by location; some offices have extended hours on certain days of the week, while others offer Saturday hours. Please refer to our locator for hours of the Preferred Banking Office near you.

Security

  • I think I may be a victim of identity theft. What should I do?
    See our page on Reporting Fraud & Identity Theft for some helpful information.
  • What is “malware”?
    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.
  • What is “phishing”?
    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).
  • What is Regulation E and am I covered by its provisions?
    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.

    For the protections that apply when consumers report suspicious or fraudulent electronic transactions, please see the “Electronic Funds Transfer” section of the Consumer Account Disclosure and Agreement.
  • Are business accounts covered by the same provisions as consumer accounts?
    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.

FDIC

  • How do I file a complaint with the FDIC?
    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.
  • I have accounts in multiple categories at a financial institution. The combined value of the accounts exceeds the basic insurance amount of $250,000. Are all of my funds insured?
    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.
  • What does the FDIC insure?
    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.
  • Where can I get more information about FDIC insurance?
    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.
  • What is the basic insurance limit?
    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.