
Empowering More Clients with Secure Digital Banking


Republic Bank &amp; Trust Company (&#34;Republic&#34; or the &#34;Bank&#34;) has announced that it now offers online and mobile banking access for clients who do not have a Social

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<i xmlns="http://www.w3.org/1999/xhtml">Empowering More Clients with Secure Digital Banking</i>

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Republic Bank &amp; Trust Company ("Republic" or the "Bank") has announced that it now offers online and mobile banking access for clients who do not have a Social Security Number (SSN) or Tax Identification Number (TIN), expanding digital banking services to better serve individuals and communities.

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As part of a recent core system upgrade, the Bank implemented a new registration process that enables clients without social security numbers or tax identification numbers to securely enroll in and access online and mobile banking. While these clients have long been able to bank in person at one of Republic's 47 banking centers, this enhancement expands digital access and reinforces the Bank's commitment to financial inclusion and convenience.

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"This update reflects our continued focus on modernizing digital platforms," said Logan Pichel, President and CEO of Republic Bank. "By expanding our online and mobile banking capabilities, we're making it easier for more clients to manage their finances securely and conveniently however they want to bank with us."

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By expanding digital access, Republic Bank continues to meet clients where they are and provide secure, user‑friendly financial services that support everyday banking needs. In addition, the Bank is working to translate self‑help resources, educational materials, and key banking documents to better support diverse client needs. Together, these enhancements reinforce Republic Bank's commitment to serving clients through helpful, convenient, and digitally connected solutions.

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<b xmlns="http://www.w3.org/1999/xhtml">About Republic Bank</b>

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Republic Bancorp, Inc. (the "Company") is the parent company of Republic Bank &amp; Trust Company (the "Bank"). The Bank currently has 47 banking centers in communities within five metropolitan statistical areas ("MSAs") across five states: 22 banking centers located within the Louisville MSA in Louisville, Prospect, Shelbyville, and Shepherdsville in Kentucky, and Floyds Knobs, Jeffersonville, and New Albany in Indiana; six banking centers within the Lexington MSA in Georgetown and Lexington in Kentucky; eight banking centers within the Cincinnati MSA in Cincinnati and West Chester in Ohio, and Bellevue, Covington, Crestview Hills, and Florence in Kentucky; seven banking centers within the Tampa MSA in Largo, New Port Richey, St. Petersburg, Seminole, and Tampa in Florida; and four banking centers within the Nashville MSA in Franklin, Murfreesboro, Nashville and Spring Hill, Tennessee. The Bank offers online banking at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.republicbank.com&amp;esheet=54555335&amp;newsitemid=20260616040834&amp;lan=en-US&amp;anchor=www.republicbank.com&amp;index=1&amp;md5=fbc3ec778c00a4e0b5c2096cfc86f243" shape="rect">www.republicbank.com</a>. The Company is headquartered in Louisville, Kentucky, and as of March 31, 2026, had approximately $7.25 billion in total assets. The Company's Class A Common Stock is listed under the symbol "RBCAA" on the NASDAQ Global Select Market.

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260616040834r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260616040834/en/" rel="nofollow">https://www.businesswire.com/news/home/20260616040834/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Courtney Eder 
<b xmlns="http://www.w3.org/1999/xhtml"><br xmlns="http://www.w3.org/1999/xhtml"></br></b>Senior Vice President
<br xmlns="http://www.w3.org/1999/xhtml"></br>Chief Marketing Officer
<br xmlns="http://www.w3.org/1999/xhtml"></br>(502) 584-3600

</p>

RBCAA

Republic Bank Expands Online and Mobile Banking Access to Clients Without SSNs or TINs

Republic Bank expands digital onboarding for clients without SSN or TIN

<section class="insight" data-version="1">
  <section data-block="information">
    <h3>Information</h3>
    <p>Empowering More Clients with Secure Digital Banking


Republic Bank &amp;amp; Trust Company (&amp;#34;Republic&amp;#34; or the &amp;#34;Bank&amp;#34;) has announced that it now offers online and mobile banking access for clients who do not have a Social</p>
  </section>

  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>Republic Bank now supports online and mobile banking for clients lacking SSN or ITIN, enabled by a core system upgrade. The initiative broadens digital access and inclusion, per CEO Logan Pichel. With 47 branches and about $7.25 billion in assets as of 3/31/2026, the move could attract deposits and deepen digital engagement across five MSAs.</p>
  </section>

  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>RBCAA enables online/mobile banking for clients without SSN/TIN post upgrade. Expands digital access and inclusion.</li><li>New secure registration enables onboarding for non-SSN/TIN clients. Strengthens digital channels and convenience.</li><li>Bank has 47 branches across five MSAs. Assets approx $7.25B as of 3/31/2026.</li><li>RBCAA ticker listed on Nasdaq Global Select Market. CEO cites platform modernization.</li></ul>
  </section>

  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>Republic Bancorp, Inc. (RBCAA)</strong>: Parent company; press release centers on digital onboarding expansion.</li><li><strong>Republic Bank &amp; Trust Company (RBCAA)</strong>: Subsidiary bank implementing the expanded online/mobile access; tied to RBCAA equity.</li></ul>
  </section>

  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>Category fits Corporate Developments, highlighting strategic digital onboarding enhancements and inclusion efforts by RBCAA. It indicates a tech-enabled shift that could influence customer acquisition and deposit growth over time.</p>
  </section>

  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>Expansion of digital onboarding may lift deposits and new customer growth.</li><li>Upgrade costs and ROI are not disclosed; near-term earnings impact is uncertain.</li><li>Regional footprint across five MSAs supports multi-channel growth.</li><li>Positive management tone may support near-term sentiment.</li></ul>
  </section>

  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>As of 3/31/2026, RBCAA assets ≈ $7.25 billion.</li><li>RBCAA is listed on the NASDAQ Global Select Market.</li><li>47 banking centers across five MSAs.</li><li>MSAs: Louisville, Lexington, Cincinnati, Tampa, Nashville.</li><li>Announcement date: 2026-06-16.</li></ul>
  </section>

  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>RBCAA could see modest deposit growth and expanded digital mix within 6–12 months.</p>
  </section>
</section>


<p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc">
<i xmlns="http://www.w3.org/1999/xhtml">Empowering More Clients with Secure Digital Banking</i>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Republic Bank &amp; Trust Company ("Republic" or the "Bank") has announced that it now offers online and mobile banking access for clients who do not have a Social Security Number (SSN) or Tax Identification Number (TIN), expanding digital banking services to better serve individuals and communities.

</p><p xmlns="http://www.w3.org/1999/xhtml">
As part of a recent core system upgrade, the Bank implemented a new registration process that enables clients without social security numbers or tax identification numbers to securely enroll in and access online and mobile banking. While these clients have long been able to bank in person at one of Republic's 47 banking centers, this enhancement expands digital access and reinforces the Bank's commitment to financial inclusion and convenience.

</p><p xmlns="http://www.w3.org/1999/xhtml">
"This update reflects our continued focus on modernizing digital platforms," said Logan Pichel, President and CEO of Republic Bank. "By expanding our online and mobile banking capabilities, we're making it easier for more clients to manage their finances securely and conveniently however they want to bank with us."

</p><p xmlns="http://www.w3.org/1999/xhtml">
By expanding digital access, Republic Bank continues to meet clients where they are and provide secure, user‑friendly financial services that support everyday banking needs. In addition, the Bank is working to translate self‑help resources, educational materials, and key banking documents to better support diverse client needs. Together, these enhancements reinforce Republic Bank's commitment to serving clients through helpful, convenient, and digitally connected solutions.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About Republic Bank</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Republic Bancorp, Inc. (the "Company") is the parent company of Republic Bank &amp; Trust Company (the "Bank"). The Bank currently has 47 banking centers in communities within five metropolitan statistical areas ("MSAs") across five states: 22 banking centers located within the Louisville MSA in Louisville, Prospect, Shelbyville, and Shepherdsville in Kentucky, and Floyds Knobs, Jeffersonville, and New Albany in Indiana; six banking centers within the Lexington MSA in Georgetown and Lexington in Kentucky; eight banking centers within the Cincinnati MSA in Cincinnati and West Chester in Ohio, and Bellevue, Covington, Crestview Hills, and Florence in Kentucky; seven banking centers within the Tampa MSA in Largo, New Port Richey, St. Petersburg, Seminole, and Tampa in Florida; and four banking centers within the Nashville MSA in Franklin, Murfreesboro, Nashville and Spring Hill, Tennessee. The Bank offers online banking at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.republicbank.com&amp;esheet=54555335&amp;newsitemid=20260616040834&amp;lan=en-US&amp;anchor=www.republicbank.com&amp;index=1&amp;md5=fbc3ec778c00a4e0b5c2096cfc86f243" shape="rect">www.republicbank.com</a>. The Company is headquartered in Louisville, Kentucky, and as of March 31, 2026, had approximately $7.25 billion in total assets. The Company's Class A Common Stock is listed under the symbol "RBCAA" on the NASDAQ Global Select Market.

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260616040834r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260616040834/en/" rel="nofollow">https://www.businesswire.com/news/home/20260616040834/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Courtney Eder 
<b xmlns="http://www.w3.org/1999/xhtml"><br xmlns="http://www.w3.org/1999/xhtml"></br></b>Senior Vice President
<br xmlns="http://www.w3.org/1999/xhtml"></br>Chief Marketing Officer
<br xmlns="http://www.w3.org/1999/xhtml"></br>(502) 584-3600

</p>

Republic Bank now supports online and mobile banking for clients lacking SSN or ITIN, enabled by a core system upgrade. The initiative broadens digital access and inclusion, per CEO Logan Pichel. With 47 branches and about $7.25 billion in assets as of 3/31/2026, the move could attract deposits and deepen digital engagement across five MSAs.

Republic Bank Expands Online and Mobile Banking Access to Clients Without SSNs or TINs

AI Summary

Sentiment Rationale

Trading Thesis

Market-Moving

Key Facts

Companies Mentioned

Corporate Developments

Related News