We have a vault for everything.
Including your identity.

Security & Fraud Protection

We have a vault for everything. Including your identity.

At Republic Bank, we’re committed to keeping your information confidential and secure, and we take that responsibility very seriously. We will never initiate a request for personal information—a Social Security number, password, PIN or account number—from you via email, and we strongly suggest that you never share your password, PIN or account number with anyone.

If your Republic Bank ATM or debit card is lost or stolen:
Cancel your card immediately by calling (218) 733-6466 during normal business hours or 1-800-264-5578 after hours and on weekends.

If your checkbook is lost or stolen:
Call (218) 733-6406 immediately to stop payment on the missing checks. If calling after normal business hours, please leave a message including your name, account number and the telephone number where you can be reached.

If your Republic Bank credit card is lost or stolen:
Cancel your card immediately by calling 1-800-558-3424. Additional information is available at www.elanfinancialservices.com, and at the following sites:

Other security issues to be aware of:

Texts, Pop-ups & Downloads
Be on guard against "urgent" requests and unsolicited "deals" on the Internet, click here.

Email Fraud
They call it phishing (fishing)—a form of Internet piracy that’s aptly named, because that’s exactly what these thieves are doing: fishing for your personal financial information. They try to trick you into disclosing account numbers, PINs, passwords, Social Security numbers and other sensitive information to loot your bank accounts or run up bills on your credit cards.

How Phishing Works
In a typical case, you receive an email that appears to come from a legitimate financial institution—it may look just like an email from Republic Bank. In other cases, the email will appear to come from a government agency such as the FDIC.

The email will probably warn you of a serious problem that requires your immediate attention or your account could be frozen or closed. The email will encourage you to click on a link so you can respond immediately. In a phishing scam, you would be redirected to a phony website that may look exactly like the real thing, or a pop-up window may appear. In either case, you will be asked to update or verify your account information by providing sensitive personal information (i.e. bank account numbers, Social Security number, PIN or password).

If you provide the requested information you may find yourself a victim of identify theft. Simply clicking on the link could infect your computer with viruses or spyware. To protect yourself, take the time to examine the claims made in the email and check its authenticity by contacting the company that appears to have sent the email. Receiving such an email does not mean your information has been compromised.

Republic Bank will never initiate an email requesting personal information, such as your Social Security number, password, PIN or account number.

How to Report Phishing
If you receive a suspicious email claiming to be from Republic Bank, please forward the email to: .

If you have replied to a phishing email and are a customer of Republic Bank, contact the bank immediately at
(218) 733-6406.

If you have replied to a phishing email but are not a Republic Bank customer, contact your financial institution immediately.

For more information about phishing and to view recent phishing examples, visit the Anti-Phishing Working Group website at www.antiphishing.org.

Identity Theft
Identity theft occurs when someone steals your personal information with the intent to commit fraud. Information such as your name, date of birth, Social Security number, mother's maiden name, etc. can be used to commit several types of fraud. Identity theft can happen to anyone regardless of whether or not you use the Internet.

According to the Federal Trade Commission, identity theft has become the fastest growing crime in the country. The most common types of identity theft include:

  • Credit Card Fraud – Credit Cards are opened in a victim’s name or unauthorized charges are made to an existing account.
  • Unauthorized Phone or Utility Services – New telephone, cellular or another utility is established in a victim’s name.
  • Bank Fraud – Unauthorized withdrawals are made from an existing account or a new bank account is opened in a victim’s name and fraudulent checks are written.
  • Fraudulent Loans – Personal, business, auto or real estate loans are obtained in a victim’s name.

Tips for Preventing Identity Theft

  1. Do not give out financial or personal information unless you initiated the contact or are familiar with the business.
  2. Shred or tear up all credit card offers and bank statements before disposing of them.
  3. Protect your PINs and passwords. Change them frequently. Don’t choose PINs that are easy to guess (i.e. your birth date or house number) and don’t write them on your card or give them to anyone else.
  4. Reduce access to your personal information by removing yourself from direct mailing lists at 1-888-5-OPTOUT (888-567-8688).
  5. Keep a list of all account numbers with customer service telephone numbers in a secure place for easy access if you need them.
  6. Never carry your Social Security number with you.
  7. Report lost or stolen checks, credit cards, debit cards and/or ATM cards immediately.
  8. Balance your bank and credit card statements promptly and report any questionable items immediately.
  9. Watch your mail. If regular bills fail to reach you, call the company to find out why. Put outgoing mail in a secure Postal Service collection box.
  10. Check your credit rating at least once a year by contacting one or more of the three major credit reporting agencies:
    Equifax, 1-800-685-1111
    PO Box 105873, Atlanta GA 30348

    Experian, 1-800-392-1122
    PO Box 949, Allen TX 75013-0949

    Trans Union, 1-800-851-2674
    PO Box 390, Springfield PA 19064

If You Suspect Identity Theft
If you suspect your identity has been stolen and are a Republic Bank customer, contact us immediately at (218) 733-6406. We will help you assess the situation and take the necessary steps to help you protect your personal information.

For more information about identity theft and ways to protect yourself visit:

Recent Fraud Incidents
The following is a reminder to Internet banking customers to be on the lookout for new safety procedures required by the federal government, and a warning that fraud artists may try to take advantage of the situation by tricking consumers into divulging valuable personal information.

As of January 1, 2007, new federal guidelines require that banks protect Internet services by using more than just passwords to identify real customers from hackers—for example, banks may now ask detailed questions before giving access to an account.

To notify people of these new requirements, banks are contacting customers by letter or email, advising them of the advanced security measures and informing them as to what they may need to do.

It is in doing so, however, that FDIC and other banking regulators are concerned that thieves posing as bankers will email or call consumers asking them to "enroll" in the new security program by providing personal information, such as a password. They may also ask consumers to click on an email link that appears to be legitimate, but which actually gives crooks the ability to spy on personal computers.

Don't be fooled by emails or phone calls—Republic Bank will never contact you to ask for your password because we already know that information. Furthermore, you also should always go to this or any bank's website by typing in the correct internet address yourself, not by following a link in an unsolicited email.