First Republic Bank Review

first republic logo
3.0 rating

Foundation Year

Office Address
111 Pine Street in San Francisco California

Phone number


  • Corporate Social, Responsibility Award, Foreign Policy Association;
  • Rich experience;
  • FDIC membership;
  • Many locations;
  • Client support;
  • Business and Private Wealth Management.


  • No specified rates;
  • No specified terms.


First Republic Bank was founded in 1985. This banking institution offers private banking, private business banking and private wealth management, including investment, trust and brokerage services. The offices are located in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach and San Diego, California; Portland, Oregon; Boston, Massachusetts; Palm Beach, Florida; Greenwich, Connecticut; New York, New York; and Jackson, Wyoming. You may address these banking services either online or offline in one of the departments. The locations are defined in the corresponding section on the website. First Republic Bank has awarded 2020 Corporate Social Responsibility Award by Foreign Policy Association.

Who started First Republic Bank?

This banking institution was founded and run by:

  • James H. Herbert, II, Founder, Chairman and CEO;
  • Katherine August-deWilde, Vice Chair and Board Member;
  • Hafize Gaye Erkan, President and Board Member;
  • Frank J. Fahrenkopf, Jr., Board Member;
  • Boris Groysberg, Board Member;
  • Sandra R. Hernández, M.D., Board Member;
  • Pamela J. Joyner, Board Member;
  • Reynold Levy, Board Member / Lead Outside Director;
  • Duncan L. Niederauer, Board Member;
  • George G. C. Parker, Board Member;
  • Roger O. Walther, Chairman Emeritus.

There is a great management team, as well. Each person in the bank has his/her own duties.

What type of bank is First Republic?

First Republic Bank is a private banking, private business banking and private wealth management, including investment, trust and brokerage services. This company is located in different parts of the United States of America. Any customer may address this service.

Is First Republic Bank FDIC insured?

The FDIC insurance gives guarantees of all ordinary types of deposit accounts. These are checking, savings, money market deposit accounts and First Republic Bank CDs. Its guarantees include the insurance up to $250,000 per depositor and bank individual retirement accounts up to $250,000 per owner. Mmutual funds, annuities, life insurance policies, stocks and bonds as investment financial products are not FDIC-insured. They may lose its value and are not bank guaranty.

Finally, you may be sure every customer is covered by the FDIC-insurance. If you have any questions, you are welcome to call customer care department.

CDs rates at First Republic Bank

Through CDs, every person can deposit extra money in at interest for a fixed term. The term and interest are calculated online. CDs amount is equal to the amount you put on your account to purchase a certificate of deposit (CD). During the term of your CD, you get interest at a fixed or variable interest rate. A minimum opening balance is of $10,000 ($1,000,000 maximum).

CD deposit term from First Republic Bank is equal to the period during which you put money in a certificate of deposit (CD). Most common terms are 3, 6 and 12 months. The annual interest rate of your certificate of deposit (CD) is the rate known as the simple interest rate. If interest is compounded over once a yaer, you will get an annual percentage yield (APY). This rate is greater than the stated one.

Services offered by this bank

Banking services include:

  • Online & Mobile;
  • Checking;
  • Savings;
  • Money Market;
  • IRAs;
  • CDs;
  • ATM Debit Card;
  • Foreign Exchange.

Lending services are:

  • Personal Lending;
  • Residential Lending;
  • Eagle Community Loan;
  • Personal Line of Credit.

Trending service include:

  • Banking for Entrepreneurs;
  • Fraud Prevention;
  • Planning for Retirement;
  • Routing Numbers;
  • Wire Transfer Instructions;
  • Mortgage Affordability Calculator.

Banking for business accounts:

  • Checking;
  • Money Market;
  • Treasury Services;
  • Corporate Online;
  • Foreign Exchange;
  • Industries We Serve.

Lending for business days:

  • Business Lines of Credit;
  • Business Loans;
  • Commercial Real Estate Loans;
  • Small Business Loans.

Trending for business accounts:

  • Banking for Innovators;
  • Serving Nonprofits;
  • Wire Transfers;
  • Business Analyzed Checking;
  • Remote Deposit;
  • Beneficial Ownership.

First Republic Bank student loans

Unfortunately, this company doesn’t provide student loans but may help refinance your student loan debt. Student Loan refinancing rate is equal to 3.49%–7.02% APR (fixed). In any case, if you are a student and need funds from a banking institution, you should consult a manager.

Where can I find First Republic Bank?

19th & Irving
1809 Irving Street
San Francisco, CA 94122
(415) 664-0888
9:00 a.m. – 3:30 p.m.

44 Montgomery
44 Montgomery Street
(at the corner of Montgomery and Sutter Streets)
San Francisco, CA 94104
(415) 392-3888
9:00 a.m. – 3:30 p.m.

6th Avenue
442 6th Avenue
(at 10th Street)
New York, NY 10011
(212) 253-8888
9:00 a.m. – 3:30 p.m.

79th & Lexington
148 East 79th Street
(at Lexington)
New York, NY 10075
(212) 288-6888
9:00 a.m. – 3:30 p.m.

8th & Irving
653 Irving Street
San Francisco, CA 94122
(415) 564-8881
9:00 a.m. – 3:30 p.m.

Back Bay
772 Boylston Street
(at Ring Road)
Boston, MA 02199
(617) 859-8888
9:00 a.m. – 3:30 p.m.

Beverly Hills
9593 Wilshire Boulevard
(at Dayton Way)
Beverly Hills, CA 90212
(310) 288-0777
9:00 a.m. – 3:30 p.m.

11770 San Vicente Boulevard
(at Gorham Avenue)
Los Angeles, CA 90049
(310) 820-1820
9:00 a.m. – 3:30 p.m.

2160 Broadway
(at 76th Street)
New York, NY 10024
(212) 580-8588
9:00 a.m. – 3:30 p.m.

1155 California Drive
(at Broadway)
Burlingame, CA 94010
(650) 579-2888
9:00 a.m. – 3:30 p.m.

47 Brattle Street
(at Church Street)
Cambridge, MA 02138
(617) 218-8488
9:00 a.m. – 3:30 p.m.

Canal Street
163 Canal Street
New York, New York 10013
(212) 882-3888
9:00 a.m. – 3:30 p.m.

Century City
1888 Century Park East
(north of Olympic in Century City)
Los Angeles, CA 90067
(310) 712-1888
9:00 a.m. – 3:30 p.m.

There are other locations specified on the website. Enter your ZIP-code and find a department near your apartment.

Conclusion: Not Much Details on the Website

First Republic Bank provides not so much details about possible CDs rates and terms. Besides, there are no extensive details on how to apply for a loan. In any case, you may address the customer care department to find out what requirements they set. Unfortunately, the website contains not so much information.


1.0 rating

Have connected with Garret Spiecker in the past. Unfortunately, he was completely unhelpful and generally impolite. E-mails would come back unreturned and reaching him via telephone was in vain. Overall, have had substantially better service with Chase Private Client and even HSBC Premier (which says a lot since HSBC isn’t all that great). Either First Republic only cares about the $20M+ NW demographic as a general rule/policy, or Garret and his team are the exception and have performed markedly below the bank’s expectations. Would not recommend this bank or banker to anyone. Avoid this service!

Beulah Colon
5.0 rating

Perfect customer service! I had a great dispute with PayPal over charges made by them in error to my account and First Republic Bank waived the fees as PayPal denied making them. The customer service was so nice and efficient. Thank you.

Bryon Pfeifer

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