Republic Bank & Trust Company
Republic Bank & Trust Company Personal Checking $400 Bonus
Republic Bank pays you $400 when you open a new personal checking account with promo code ADV and make 3 or more ACH credits (direct deposits) plus 10 or more point-of-sale purchases within 90 days. Simple Access opens with $10. Open by December 31, 2026. Listed for Kentucky, Florida, Indiana, Ohio, Tennessee and Missouri.
- Bonus amount
- $400
- Expires
- Dec 31, 2026
- Time to complete
- ~90 days
- Paid after opening
- ~100 days
- Difficulty
- Medium
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Requirements
Last verified: Nov 9, 2026
Open account with promo code ADV
Open a new Republic Bank personal checking account with promo code ADV by December 31, 2026. Listed for Kentucky, Florida, Indiana, Ohio, Tennessee and Missouri, where the bank has offices; the online application asks for your ZIP code first.
3 ACH credits (direct deposits) within 90 days
Receive 3 or more ACH credits (direct deposits) into the new checking account within the first 90 days of account opening.
10 point-of-sale purchases within 90 days
Make 10 or more point-of-sale (POS) transactions within the first 90 days of account opening.
Republic Bank deposits the reward into the account once all qualifying activities are complete.
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Account Details
- Simple Access has no minimum balance; Easy Checking has no minimum balance and no below-balance fee (Republic Bank checking page, read 2026-10-30). Monthly fee amounts are not published on that page.
Keep the account open until the reward posts.
Eligibility
You cannot have any existing Republic Bank personal checking relationship (primary, secondary, joint or signer). Account conversions are not eligible.
- Republic Bank & Trust has offices in Kentucky, Florida, Indiana, Ohio, Tennessee and Missouri. Its online application asks for your ZIP code before showing accounts, and we could not confirm it accepts applicants outside those states, so we list it for those states only.
- Republic Bank employees are not eligible.
Tips & Gotchas
- Enter promo code ADV when you apply. The terms say the offer is valid with the promo code only.
- The terms call the requirement 'ACH credits (direct deposits)'. Whether a transfer you push from another bank counts is not stated, so a payroll direct deposit is the safe route.
- Regional: listed for the bank's office states (KY, FL, IN, OH, TN, MO). The online application starts with a ZIP code check.
Can You Earn This Bonus Again?
Fine Print
New personal checking customers only, with no existing Republic Bank personal checking relationship. Account conversions and employees are not eligible. One transaction-based reward per new account within 90 days. The reward is reported on Form 1099-INT. See the terms on Republic Bank's offer page.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is APY (Annual Percentage Yield)?
The annual interest rate on a savings account, expressed as a percentage of your balance with compounding included. On savings accounts we track, APYs currently range from 0.01% at big traditional banks to 4.25% at the best online accounts.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money