place is a joke you get my money from trump I should have received it by now no one to talk to haven't got my money like something needs to be done what you should have done was send it back to IRS like everyone else did and I would have gotten it by now because now you don't put it in my account but I got my taxes like this is crazy and the worse bank

Republic Bank and Trust acquired my local community bank in Florida a little over a year ago, and customer service has continually declined ever since. There are no decision-makers on site in Florida - all underwriting and decision making is done by Headquarters in Kentucky. This results in delays and inconsistencies between what the staff (even at a very senior level) tells you at the branch, and what eventually comes down from Kentucky. It's no longer a community bank where you can get a straight answer on something and trust what the staff tells you.

In April 2011, after shopping for a good national rate on a 3-year CD, we opened a jumbo CD with a bank in Tennessee. The APY was 2.15%. Approximately 8 months later, Republic Bank acquired the Tennessee bank and changed the rate from a nationally competitive 2.15% to an abysmal .05% (for a 3-year CD). They claim to have sent out a notice of the rate change but all we received was a letter in June 2012, which five months after the acquisition, informing us of the change in the account no. In February 2013, we received a notice from Republic stating that "we have attempted to reach you and provide you with important information regarding you deposit account(s); however, we haven't heard from you." The notice did not provide the important information and only instructed usto sign and return the form before 7/27/13 to certify the account. I did so on 2/27/13 via a scanned copy as an attachment to an email, requesting information about the account. We received an email reply later that day that simply said: "We have received your request. It has been sent for processing." Again, there was no information about any change in the APY. Upon maturity, the bank not only made it cumbersome to close the account and get our proceeds but also and far more importantly only provided the proceeds at the abysmal rate, which was a difference of thousands of dollars. When we contacted the bank, the general counsel informed us that all the bank had to do was send out a general notice, not to exhibit due diligence that we received it. As for the communications about the "important information," he again disclaimed any responsibility. If he's correct that this practice is legally allowed, it is nevertheless obvious that the bank exploited the situation to make significant financial gains at the expense of its clients. We advise you to avoid opening a CD or otherwise trusting this bank to exhibit client-friendly practices.