Unauthorized Debit Card/Credit Card Transactions
If you need to stop an unauthorized transaction on your account due to fraud, please follow the steps outlined in “What steps can I take if my debit/credit card is lost/stolen, or compromised and I have fraudulent transactions on my account?”
For Republic Bank MasterCard Credit Card unauthorized transactions, please follow steps outlined in “How do I file a dispute for credit card transactions?”
One-Time Debit Card/Credit Card Transactions
Once you have given authorization for a merchant to accept a one-time debit/credit card payment, the transaction cannot be stopped by Republic Bank.
We recommend that you contact the merchant to stop the transaction or for a refund. You can also wait for the item to be posted to your account with a date and dispute your debit card transaction(s) using our online dispute form available in your Personal Online & Mobile Banking More menu. For credit card disputes, please click here for more information.
Recurring Debit Card Payments
If you wish to stop a recurring debit card payment, it may be faster to stop the recurring payment with the merchant before contacting us. However, we offer an option to stop all merchants with recurring payments on your debit card if you can contact us before the upcoming payment has been processed on your account and if the recurring payment has been processed on a previous date on your account in the last 6 months.
We cannot stop recurring debit card payments in a pending status on the account. The recurring payment opt-out is not merchant-specific and will stop all future recurring payments you have set up with any merchant on your debit card.
If you choose to opt out of recurring payments on your debit card, the update will not have any effect on your current card, however, if you get a replacement at any time for the card, no payment information will update automatically to the merchant, and you will need to contact each merchant that you have payments set up with on this card.
If we are not able to locate the recurring debit card payment at a previous date in your account, you will have the option to: 1) close the current card and order a new one to stop the recurring payment from being billed to your card. You will then need to contact any merchants that you have any other payments set up with to update your debit card information with them; Or 2) contact the merchant to have the recurring payment stopped through the merchant without closing your current debit card.
Please use the links below to see some helpful information published by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC) on your rights and protections.