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A Bill Pay payee used to only accept checks, but now they have changed to electronic. What do I need to do?

As long as you have made at least one past payment to the payee, the payee will be updated to electronic.

To complete the switch to electronic, log into NetTeller, access the Bill Pay option, and "continue" through the notification screen showing the changes made to the payee.

If no payments have ever been made, delete the outdated payee and re-add as an electronic payee.

Are my bank statements available online?

Yes. To select statements for electronic delivery, you will need to click on the E-Statement tab at the top of the screen. You will check the box next to Select to activate eStatements, you will check the statements you wish to receive electronically, check the I agree to the terms and conditions box and then click on submit. In order to begin receiving your statement(s) electronically, you must respond to a confirmation email sent from NetTeller. Statements will not be delivered electronically until you respond to the directions contained in this email. You will need to download or print the statements. The statements will be available online for 3 months.

Can an electronic payment be deleted from Bill Pay after it has been submitted?

No.  Electronic payments cannot be deleted.  You would have to contact the payee for a refund or ask the bank to submit a claim.

Can I change my NetTeller User ID or PIN?

Yes, you can change these as often as you would like. Simply click on the blue "Options" tab at the top of the page and follow the simple instructions. The User Personal ID cannot begin with a number but can include a number.

Can I edit vendor information in Bill Pay?

You can change the alias name on the account and the acount number.  If any other changes need to be made, the payee must be deleted and re-entered.

Can I opt-out of Safety Net?

You can opt-out of Safety Net at any time. Simply call customer service at (218) 722-3445.

Can I place a stop a payment on a Bill Pay check?

You can stop a check payment.  After the check is printed and mailed, the payment history will show the check number for that payment.  The procedures to stop the payment are the same as for a regular check:  Call (218) 733-6406 or input on NetTeller.

You cannot stop an electronic payment.

Can I set up recurring payments in Bill Pay?
Yes, you can set up recurring payments weekly, semi-monthly, or monthly.
How are checks and debits cleared through my account?

Items are cleared through your account in the following sequence: internal account transfers post first followed by debit card transactions, sweeps, ATM withdrawals, ACH transactions, then checks post in serial number order.

How current is the NetTeller information regarding my account(s)?
Account transactions and balances are shown in real time and will change during the day as you carry out transactions. There may be delays from time to time, which we cannot control.
How do Bill Pay debits clear my account?

Electronic payments are validated against your account balance prior to processing.  Check payments settle against your account like any other check.  You are limited only by the amount of funds in your account.

How do I add a signer to my accounts?
To add an additional signer to your account, both signers must be present in order for the additional signer to be identified and for the signature card to be updated. Please visit any one of our locations.
How do I add additional accounts for Bill Pay?

Go to the Bill Pay tab and click the Add Account option. Once all eligible accounts have been added, the Add Account option will disappear.

How do I know when I use the overdraft limit?

You will receive a Safety Net Notice in the mail each time items are paid. The notice will show the check number, amount and the overdraft fee. You should subtract total fees from your checkbook register. Remember, the fee for paying an item is the same as the fee for returning one.

How do I open a new account?
To apply for a new checking, savings, loan, line of credit or credit card account, visit any one of our locations to fill out an application. You may also apply by phone.
How do I set up Payment Alerts in Bill Pay?

Under the Options tab, the following alerts are available:

  • Bill Payments Paid - If this alert is selected, the Alert when payment is processed alert at the individual payment level will generate when the payment is processed.
  • Bill Pay Changed to Electronic - An alert will generate when a payee changes from check to electronic. See related FAQ for more details.
  • Bill Pay Expiring Payments - An alert will be generated for recurring payments that are expiring.
  • Bill Payment Failed - If a payment fails to process, an alert will be generated.
  • Bill Payment Rejected - An alert will be generated if a payment was rejected from iPay.
  • Bill Pay Check Paid - Enter the check number assigned to the payment in the Item alert. An alert will be generated when the check posts to your checking account.
  • Do I have to register to use NetTeller Online Banking?

    Yes, a one-time application is required to sign up for NetTeller. Once this form is received by the bank with your signature and account information, we will issue a Bank ID# and PIN which you will use during your initial visit to NetTeller. You will then be asked to select a new PIN of your choice and that PIN will be used whenever you access NetTeller Online Banking. This PIN must be a minimum of 6 and maximum of 12 alpha or numeric characters.

    How do I use NetTeller Online Banking?

    After you enter your Republic Bank ID and PIN on the first screen of Online Banking, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in and click on the "go" button. Any additional pages will have action buttons that lead you through transactions.

    How does Safety Net work?

    As long as you maintain your personal checking account in good standing (defined as making regular deposits and bringing your account into a positive balance at least once every 30 days) Republic Bank generally will honor overdrafts up to the Safety Net overdraft limit on your account. If you use Safety Net you should remember the banks normal overdraft fee for each transaction will be deducted from your limit. The overdraft fee (currently $35) is deducted from your account each time an overdraft check or debit item is presented for payment from your account. The bank will notify you by mail when an overdraft occurs. No interest will be charged on the overdraft balance.

    How far in advance can I schedule payments in Bill Pay?

    You may schedule one-time payments up to 5 years in advance of the first due date.  Recurring payments can be set up in advance to any date in the future.

    How far in advance should I set up the payment in Bill Pay to insure it is paid on time?

    Check payments should be scheduled 5-7 business days in advance of when you want the payment to actually be posted to the payee.  Checks are mailed from the processing center in Oklahoma City, OK, so allow sufficient time for the mail to reach its destination.

    How late in the day can I enter, edit, or delete a payment?

    Payments are processed Monday through Friday at 2:00 a.m. and again at 12:00 p.m.  Any payments scheduled over a weekend or holiday are processed on Friday or the last working day before the processing time for the scheduled payment

    How long is Bill Pay history viewable online?

    Payment history is viewable for 18 months.

    How many payees may I have set up in Bill Pay?
    There is no limit to the number of payees you can have.
    How much of my gross monthly income is allowed to go towards the PITI payment?
    Up to 28% of gross monthly income is allowed to go towards the PITI payment.
    How quickly must I repay my Safety Net?

    You should make every attempt to bring your account to a positive balance as quickly as possible. If you are not able to do so, you will receive a letter from Republic Bank informing you of the situation and your options. If, after a period of time, your account has not been brought into a positive balance, we will have no option but to close your account and take other steps to recover funds.

    How soon can I use my Safety Net?

    If you are a new, active account holder, you will be able to use the overdraft privilege 30 days from the date you opened your account as long as your account is in good standing (defined as making regular deposits to your account).

    I have two checking accounts. Can I get Safety Net on both?

    Yes. If you have multiple accounts for your household, you may have a limit on all eligible accounts.

    Looking for financial education opportunities?

    Check out the Financial Education Opportunities in the News & Links/Links section of our website.

    Republic Bank Safety Net Customer Overdraft Policy

    An insufficient balance could result in several ways, such as (1) the payment of checks, electronic funds transfer, or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) the imposition of bank service charges; or (5) the deposit of items which, according to the banks Funds Availability Policy, are treated as not yet available or finally paid. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. However, if you maintain your account in good standing, defined as making regular deposits to bring your account to a positive balance at least once every 30 days, and there are not legal orders outstanding, we may approve your reasonable overdrafts as a non-contractual courtesy. Normally we will not approve an overdraft for you in excess of your limit plus our overdraft charge. We may refuse to pay an overdraft for you at any time, although we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft plus our overdraft fee charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us an account with more than one (1) owner on a signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our overdraft fee charges(s). You should note that your Safety Net limit may be included in your available balance provided by a teller, through Net Teller online banking, or 24-Hour telephone banking.

    SafetyNet Limitations:

    Available to individually owned accounts in good standing for personal or household use. Republic Bank reserves the right to limit participation to one account per household and to discontinue this product without prior notice.

    What are some of the ways I may have access to Safety Net?

    Generally you may access your Safety Net by issuing a check to a third party. Other transactions include:

  • Checks and other debits cashed at teller windows
  • ACH debit transactions
  • Debit Card recurring transactions
  • Most transactions that currently are honored through your account
  • What are the down payment requirements?
    Down payments can be in the form of cash or equity. For a loan with Private Mortgage Insurance, the minimum down payment is 5% of the construction cost or appraised value (whichever is lower). A down payment of 20% or more eliminates the requirement for Private Mortgage Insurance.
    What do I need to access NetTeller Online Banking?

    You will need a connection to the Internet and a web browser that supports 128-bit encryption. Supported Internet Browsers: Microsoft Internet Explorer (IE) version 7 or 8, Firefox version 3 and higher and Safari (MAC) version 1.0 and higher. To test your browser, on the home page click login and then click on TEST BROWSER. You will need accounts with Republic Bank and an assigned ID number and PIN.

    What do I do if my checkbook is lost or stolen?
    Call (218) 733-6406 immediately to stop payment on the missing checks. Please leave a message if the call is made after normal business hours. Include your name, account number and the telephone number where you can be reached.
    What do I do if my Republic Bank ATM or debit card is lost or stolen?

    Cancel your card immediately by calling 1-800-264-5578. Additional information is availabe at

    What do I do if my Republic Bank Elan credit card is lost or stolen?
    What does my Safety Net privilege cost?

    There is no additional cost associated with this privilege. As stated previously, you should keep in mind that you will be charged an overdraft fee for each check or other debit item paid under the limit.

    What happens if I open a new account after I am already signed for NetTeller Banking?

    New accounts do not automatically appear on the NetTeller banking system. At the time of opening the new account, you can ask Customer Service to have this account added to your profile. You must be a sole or joint owner to have the account added to your profile.

    What if all of my accounts don’t appear on my NetTeller account list?

    You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call Customer Service at (218)722-3445 to have it added.

    What if I enter the wrong NetTeller PIN?

    For security purposes, three consecutive invalid sign on attempts will lock you out of the system. If you have set up the PIN Reset Question and PIN Reset Answer under the OPTIONS tab, you can unlock yourself. If you are locked out, utilize the "reset password" feature on the NetTeller sign on page or contact technical support (218)733-6409 for assistance. The PIN will be reset to the default.

    What if I forget my NetTeller PIN?

    Republic Bank does not have access to your PIN once it has been changed. As long as you have your PIN Reset Question and PIN Reset Answer set up, you can reset the PIN by clicking on the Reset Password link and following the instructions. The link will appear after you have entered the PIN incorrectly. However, we can reset your PIN back to the default so you can choose your own preferred PIN. Please contact technical support (218)733-6409.

    What if I go beyond my Safety Net limit?

    Overdrafts above and beyond your established Safety Net limit may result in a check or checks being returned to the payee. The normal returned item fee will be charged per check and assessed to your account. A Notice of Non-Sufficient Funds will be sent to notify you of our actions.

    What if I receive an error message when processing a transaction in NetTeller?

    If you receive an error message, please make note of the message, the error number and the time. Then simply call our technical support (218)733-6409 and we will make every effort to resolve the issue as soon as possible.

    What information do I need to provide when I apply?
    Completed loan application, current pay stub(s) covering a 30-day period, previous two years' W-2s,previous two years' personal tax returns, business tax returns if self-employed, bank statements for pastthree months, written credit reference from current landlord.
    What is my Safety Net limit?

    To find your Safety Net limit, simply locate your account type in the listing below.

  • Free Checking - $300
  • Four Star Checking - $300
  • Now Checking - $1,000
  • Money Market Checking - $1,000
  • What is Safety Net?

    Safety Net is an overdraft privilege requiring no action on your part. You do not have to sign anything. Your overdraft privilege (Safety Net limit) amount will be automatically assigned. Although the use of Safety Net is subject to the bank's normal overdraft fee, it can save you the embarrassment of having your checks returned as well as the merchant's returned check fee.

    What is the cost to have online Bill Pay?

    There is no charge for Bill Pay on consumer accounts.

    What is the maximum payment amount?

    Electronic payments are validated against your account balance prior to processing.  Check payments settle against your account like any other check. You are limited only by the amount of funds in your account.

    What is the PITI payment?
    The PITI payment is comprised of principal and interest, property taxes, homeowners insurance, and private insurance if required.
    What personal information about me appears on NetTeller?

    At no time while you are in NetTeller will your account number(s), address, phone number, SS#, or any personal information other than your name appear. You name the accounts and how you would like to see them listed. The only reference to you is the opening greeting on the account listing page, "Welcome, John Doe!"

    What types of equity can be used to meet down payment requirements?
    Land or land improvements.
    When can my construction loan be modified to permanent financing?
    Modifying to permanent financing can occur when house is 100% complete AND all funds are disbursed from the construction account.
    When I call Republic Bank’s 24-Hour Telephone Banking to get my balance, is my Safety Net limit included?

    The available balance reflected through our 24-Hour Telephone Banking will include your Safety Net. Subtract that amount for your available cash balance. Contact a Customer Service Representative at any one of our locations should you have a question.

    Who can I pay through Bill Pay ?

    You can pay any merchant you receive a bill from or would normally pay by check such as the utility company, mortgage company, or credit card company.  A payee can also be an individual or small business such as the person who mows your lawn or your daycare provider.  You can pay anyone by check.  However, you cannot send an electronic payment to a payee that is not in the electronic data base.

    What else is available for overdraft protection?

    Republic Bank offers alternatives to Safety Net. Please contact a Personal Banker and ask about:

  • Sweeps--a sweep is a link between a savings account and a checking account. Should your checking account balance fall below zero, funds from the savings account would sweep into the checking to cover the overdraft. There is no charge for this service.
  • Ready Reserve is a line of credit you would apply for just as you would a regular loan. If you overdraw your account, funds available on the line would be used to cover the overdraft. You would pay interest on the loan, but there is no annual fee and the overall costs may be less.
  • Opt-out of Safety Net. You will still be charged if your account is overdrawn and you may incur charges if the check is returned to the merchant. However, the Safety Net amount would no longer be available to you so you may not have as many occasions to overdraw the account.
  • Additional questions?

    If you have additional questions or would like more information, call or come by one of our office locations today.

    What is Mobile Banking?

    Mobile Banking is a service that allows you to access your account information, transfer funds and pay bills with your mobile device.

    How do I enroll in Mobile Banking?

    You must first be a NetTeller Online Banking customer. Log in to online banking and click “Options”, then click “Mobile Settings” and select “Enable web access for your mobile device”. You will need to complete the sections and click ‘Submit’ and then ‘Confirm’.

    Can I use any mobile device to access my account?

    Yes. You can use any mobile device that is web-enabled and allows secure SSL traffic. However, SMS Text messages will be sent to the cell phone number registered in NetTeller Online Banking.

    Do I use the same user ID and password as NetTeller Online Banking?

    Yes, use the same user ID and password as you do for NetTeller Online Banking.

    Are there fees for the Mobile Banking service?

    There is no charge for Personal and Cash Management/Single Sign-On NetTeller Online Banking customers. However, data and usage charges may apply. Check with your mobile provider.

    Does Republic Bank have an iPhone or Android App?

    Yes. Both apps are available.

    Can I schedule recurring transfers and bill payments using mobile banking?

    Only one-time, immediate transfers and bill payments may be entered.

    How late in the day can I make transfers?

    The transfer cut off time is 6:00 p.m. Any transfer made after 6:00 p.m. will be made on the next day’s business.

    How do I know if my transfer or bill payment was entered successfully?

    If you have text responses enabled in NetTeller Online Banking, a confirmation SMS Text Message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through. Cell phone carrier text message fees may apply.

    How do I add a new bill payment payee?

    New payees can only be added through NetTeller Online Banking. Mobile functionality is limited to sending payments to established payees.

    How do I delete a bill payment that I set up through my mobile device?

    Log in to NetTeller Online Banking and delete the payment from the main menu of the Bill Pay module.

    How do I securely end my mobile banking browser session?

    Select the ‘Logout’ link to logout of mobile banking, then close your browser through your mobile device browsing options. Closing your browser will securely end your mobile banking login session.

    What happens if I lose my mobile device?

    Account data and login credentials are not stored automatically on your mobile device. Therefore, anyone who has access to your phone cannot login to your accounts. Do not add your login credentials to the memo pad or voice record them on your mobile device as this information could then be obtained by others. If possible, password-protect your mobile device.

    What do I need to do if I get a new phone?

    If you are using the same phone number and provider, no changes are needed. If you switch providers and /or phone numbers, log in to your NetTeller Online banking account via the Internet on your PC and update your information by selecting Option and then Mobile Settings.

    What if I no longer want to be a mobile user?

    Log in to NetTeller Online Banking and select Options, Mobile Settings and deselect Enable web access for your mobile device and then click Agree.

    Is it safe to use Wi-Fi?

    When doing something sensitive on your mobile device or PC, like checking a bank account balance or making a payment, don’t use the free Wi-Fi in a coffee shop or other access points. Use your password-protected Wi-Fi at home to safeguard your account.

    What if I can’t get my mobile device to work with NetTeller Online Banking?


    1.Your mobile device must be web enabled (Contract your mobile provider)

    2.Your mobile network must allow secure SSL traffic. (Contact your mobile provider)

    3.You must first enroll in Mobile Banking through NetTeller Online Banking before you can gain access.

    What happens if I lose communications/signal during a transaction?

    If you do not receive a confirmation SMS Text Message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

    When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?

    Check your phone’s setting to make sure you don’t have Alpha-only enabled on the keypad.

    Who can use Republic Bank Text Banking?

    Text Banking is available to any Republic Bank customer. For validation purposes you must have a NetTeller Online Banking ID and Password to enroll for this service.

    What service can Text Banking provide for me?

    When using the SMS text messaging feature on your mobile phone, you can check account balances and transaction history. Text Banking will provide you with the last four transactions on your account(s) within the last 15 days.

    What is the cost associated with Text Banking?

    Republic Bank does not charge for Text Banking, however, your wireless carrier may charge for using the SMS text message feature on your mobile device. Some carriers may charge additional fees to use their short code texting services.

    Do I need a Smartphone or PDA to sign up for Text Banking?

    No, because virtually every mobile phone/device on the market today is capable of sending and receiving SMS text messages. You must simply have text-messaging available through your mobile device.

    How do I get started using Text Banking?

    Getting stated is easy and quick. Log in to NetTeller Online Banking and select Options click on Mobile Settings, then Text Mobile Settings. Select Enable Text Access for your mobile device, enter your Mobile Phone Number, Select Your Wireless Provider, and then select the account(s) you wish to access through the Text Banking. You will need to create a Mobile Short Name for each account selected. Click Submit, Select the ‘I accept these full terms and conditions’ and then click Confirm. In order to complete the enrollment, you must reply “YES” to the text message sent to your mobile device.

    Do I have to enroll for Mobile Web Banking in order to use Text Banking?

    No, you can enroll for both or just one or the other.

    What is the difference between Mobile Web Banking and Text Banking?

    Mobile Web Banking provides more functionality that Text Banking. For example, with Mobile Web Banking you are able to submit transfers and bill payments. Text Banking only provides SMS messages that contain balance information and account history (last four transactions). In addition, Mobile Web Banking requires authentication using your NetTeller Online Banking Id and Password, which Text Banking does not. You simply text Republic Bank’s short code 89549 and a text command to have a message sent to you with the requested information.

    What accounts can I access with Text Banking?

    All accounts you are able to access through the NetTeller Online Banking service are available using Text Banking. Through the Text Banking enrollment process, you will choose the accounts and assign a short name for each one.

    What happens if I lose my mobile device?

    The information sent to you from Republic Bank’s Text Banking is similar to that printed on a typical ATM receipt – it cannot be used to identify you or compromise your accounts. However, if your mobile device is lost or stolen, you should call your mobile provider to cancel service on the device. One you replace your device, if you keep the same number, Text Banking will continue to work. If you change your number, you will need to login to NetTeller Online Banking and go to Text Mobile Settings to update your phone number. Remember with any changes such as phone numbers, accounts or short names, you must Accept the Terms and Confirm the change, as well as text the validation code you receive to complete the change process.

    What do I need to do if I get a new mobile device?

    If you are using the same phone number, no changes are needed. If you change your number, you will need to login to NetTeller Online Banking and go to Text Mobile Settings to update your phone number. Remember with any changes such as phone numbers, accounts or short names, you must Accept the Terms and Confirm the change, as well as text the validation code you receive to complete the change process.

    Should I save the bank short code in the contact list on my phone?

    If you wish to add the bank’s short code to your contact list, please use a generic label for security purposes.

    What if I no longer want to be a Text Banking user?

    Text Republic Bank’s short code, 89549, with the word STOP. This will cancel your Text Banking service.

    Is the information delivered through Text Banking secure?

    Because the content of text messages is generally accessible to anyone who may have access to your mobile device, the information in the text messages you receive from Republic Bank does not include any personally identifiable information. However, your text messages will store the balances and account history that you are requesting. For that reason, we recommend you delete your Text Banking messages after you have received them.

    What is SMiShing and why should I know what this is?

    SMiShing involves the use of SMS text messages on mobile devices to collect personal information. A typical SMiShing message might advise you that your debit card had been compromised and you should call a number to ensure your account’s security. In calling the number you would be asked to provide your account number, date of birth or other personal information. Once you have done that, your information is in the hands of fraudsters and you are a potential victim of identity theft.

    SMiShing is easy to avoid if you know what to look for. Any unsolicited text message asking you to reply with information about yourself, or to call and provide information to a voicemail or live person is suspect. Delete such messages without replying.