Financial Empowerment for Small Businesses

Did you know that over 80% of small businesses fail due to cash flow problems? Does this surprise you? Whether a customer pays late or you have an unexpected expense, having the right banking solutions helps keep your doors open. Texas Republic Bank understands that running a small business is no easy task. From finding […]

Investment Planning

Understanding the differences between CD vs. Money Market vs. Savings vs. IRA There are many ways to invest your money, including CDs, money markets, and IRAs. Determining which is right for you depends on your financial goals, liquidity needs, and how much you have to invest. What is a CD? CDs are timed deposits, meaning […]

What is a Certificate of Deposit?

If you want your savings to grow and earn more interest than a savings account, consider a CD or Certificate of Deposit. CDs offer fixed interest rates for a specific term, helping you make more interest on the money you’re saving. They can be a great way to diversify your investment portfolio. Definition of a […]

What Does Creating Diversity in Your Portfolio Mean?

Deciding where to invest your money is a big decision; all investors will have different ideas. However, one thing all investors must do is diversify their portfolios. Without portfolio diversification, you put all your money into one investment and risk losing everything. Why take a chance? Instead, create diversification in your portfolio. How Does Portfolio […]

Term Loans: What Are They and Are They Right For You?

What does it mean for a business to “Grow at the speed of cash”? Simply put, unless you have the cash flow for that new expansion or necessary equipment, you are out of luck. Luckily, there are many options for business owners to finance business expenses. Term loans, lines of credit, SBA loans, equipment financing, […]

6 Tips On Teaching Your Kids to Budget

As a parent, you want your child to be equipped for the real world and ready for independence. This means teaching them lots of important skills: how to change a tire, basic cooking and cleaning, taxes, how to create a resume, and many more. One of the most important skills that you can impart to […]

How to Save Money

[vc_row][vc_column][vc_column_text] Introduction It should go without saying that many American families are hurting financially right now because of the COVID-19 pandemic. This event has caused many people to consider how to save money. Many people had their work hours reduced or their job entirely, and according to some surveys as many as 63% of American […]

History of US CD interest rates

CDs have long offered a great alternative to traditional savings accounts in the US. Putting your money in a CD is a low-risk way to grow your savings, as the interest rates are generally higher than a regular savings account and money is insured up to $250,000 (Investor.gov). However, CD interest rates have changed significantly […]

IRAs: Here’s what to know

There are a few tools you can use while saving for retirement – one of them is an Individual Retirement Account, usually called an IRA.  What is an IRA? The federal government introduced IRAs in the 1970s to encourage people to save for retirement rather than relying only on their company or union retirement benefits. […]

How Much Do I Need to Retire?

Planning Ahead When it comes down to it one of the most important aspects of managing your personal finances is planning ahead for retirement. Some experts have suggested that it’s necessary to save up as much as $1 million in your 401(k) in order to retire at 65, which would require saving about $250 every […]

Understanding Different Types of Loans

                    Loans are used for various reasons, and you may need funding for different times in your life; each need calls for a different type of loan. Understanding the different types of loans, how they work, and how you qualify makes you an informed consumer who […]

Top 6 Reasons to Use Local Banks

                            If you look around, you see that you have your choice of banks. On every corner, you’ll find large national banks, but in between, there are also those local banks asking for your business. Most people go to the large national […]

5 Ways to Avoid Bank Fraud

                        Bank fraud is more common today than ever. The FTC stated in 2021, bank fraud occurrences increased 70% and consumers lost a total of $5.8 billion to bank fraud. Scammers use many different tactics when trying to get a hold of your financial […]

10 Scams Targeting Bank Customers

FDIC Consumer News – Summer 2017 10 Scams Targeting Bank Customers: Plus the basics on how to protect your personal information and your money The FDIC often hears from bank customers who believe they may be the victims of financial fraud or theft, and our staff members provide information on where and how to report […]

Pros and Cons of using Cash or Credit

Cash or credit?—Have you heard this question before? It may seem simple, but there is a lot of debate that surrounds this inquiry. Should you pay as you go, or, charge it and pay it off later? There are pros and cons to both. Knowing the benefits can help you make the decision that is […]

2018 BENEFICIAL OWNERSHIP

To help the government fight financial crime, federal regulation requires certain financial institutions obtain, verify, and record information about the beneficial owners of legal entity customers. Requiring the disclosure of key individuals who own or control a legal entity (i.e., the beneficial owners) helps law enforcement investigate and prosecute these crimes. Click Here to read […]

Debit Card Fraud Prevention

Detect and defend against debit card fraud with real time email transaction alerts. If you discover fraud, you may quickly deactivate the debit card through our mobile banking app. Contact us at 972-334-0700 to learn more!

Avoiding Scams this Holiday Season

We wanted to make you all aware of the following article from the U.S. Immigration and Customs Enforcement website that touches on what we feel are important reminders this holiday season. The highlights of the article are copied below and the entire article can be found at: https://www.ice.gov/news/releases/avoiding-scams-holiday-season   “Web-based shopping starts to take off […]

Helpful Consumer Tips: Consumer Scams and Preparing Your Will

Consumer Scams: Know When You’re Being Fooled Unfortunately, there will always be scam artists out there. These people are looking to make a few bucks, sometimes much more, on trusting and unsuspecting consumers. Scams aren’t always easy to spot, even for savvy consumers, so remember to do your due diligence and if something seems too […]

5 Online Security Tips

For a lot of people, information security is so convoluted and difficult to understand that we choose to ignore it until something bad happens to your personal information and your identity is stolen or your bank account gets drained. There are ever emerging threats and bugs in software and hardware that create loopholes or vulnerabilities […]

Is Your Bank One You Can Trust?

Trust. It’s a vital component to any relationship – especially a banking one. So how can you know if a bank is trustworthy? We’d suggest learning what their customers have to say about them.A large bank operates so many branches that the reviews from customers are often a mixed bag and may or may not […]

Helpful Consumer Tips: Consumer Scams and Preparing Your Will

  Consumer Scams: Know When You’re Being Fooled   Unfortunately, there will always be scam artists out there. These people are looking to make a few bucks, sometimes much more, on trusting and unsuspecting consumers. Scams aren’t always easy to spot, even for savvy consumers, so remember to do your due diligence and if something […]

Remote Deposit – Making Business Banking Easier

So what is “Remote Deposit” anyway? If you’re a medical professional it’s just about the best thing since anesthesia! You don’t have to worry about your employees taking an hour to make a trip to the bank. You don’t have to worry about what happens if your employee gets in a wreck or robbed while […]

Single Family Investment Real Estate Financing

If you are involved in any aspect of business that involves single family residences you’ll find Texas Republic Bank has been there also. The loan officers at the bank have financed every conceivable type of investment, construction, management, lending, and any other business venture possible that involves a residence. This is the first in a […]

Second Home Financing

  The loan officers at Texas Republic Bank have financed every conceivable type of purchase or refinance possible that involves a residence. This is the fourth in a series of blog articles identifying some of the more common types of residential loans that the bank likes to make to its customers. It’s no surprise that […]

Important Information to Help You Prevent Data Theft

In light of recent data breaches with Target and Michael’s, we want to be sure that our customers know how to protect themselves and know where to turn if they do suspect fraud.   Yesterday, the Consumer Financial Protection Bureau (CFPB) published a consumer advisory to help consumers protect themselves in the wake of the […]

New Home Construction Financing

If you are involved in any aspect of business that involves single family residences you’ll find Texas Republic Bank has been there also. The loan officers at the bank have financed every conceivable type of investment, construction, management, lending, and any other business venture possible that involves a residence. This is the third in a […]

Rehab/Resale Financing

If you are involved in any aspect of business that involves single family residences you’ll find Texas Republic Bank has been there also. The loan officers at the bank have financed every conceivable type of investment, construction, management, lending, and any other business venture possible that involves a residence. This is the second in a […]

Helping Small Businesses Overcome Obstacles

Small businesses face a great deal of obstacles when trying to find success in a market increasingly defined by competition and limited funding options. Texas Republic Bank understands the growing needs for these businesses to have their individual financial requirements catered to in a friendly and transparent manner. Thus, we offer a variety of loans […]

Small Business Lines of Credit

It is common knowledge that building and monitoring your personal line of credit is important. Did you know it is equally important for a small business? According to a post from the U.S. Small Business Administration (click here to read the article), a good credit score can lead to: – Securing a business credit card – […]

Bank with Someone You Know

If you’re a medical professional considering doing any kind of business with a new bank you’re going to need some answers. But in medical or financial situations, you don’t get the right answers unless you know the right questions to ask. So what should you ask that charming bank officer about her bank. There are […]

Why is Local Ownership and Local Management Important?

Texas Republic Bank is a rare breed in the banking world: it is locally owned and locally managed. So what makes local ownership and local management so important? Local ownership refers to where a bank’s shareholders live. Our shareholders are local citizens of Frisco and the surrounding cities. They make decisions with the community in […]

Personal Financial Management (PFM)-See All of Your Accounts in One Place!

With the new Texas Republic Bank Personal Financial Manager, online banking customers are empowered with a holistic view of their financial assets, liabilities and budgets. Texas Republic Bank account holders can now appreciate the free convenience of managing their financial relationships in a one-stop aggregated environment. Personal Financial Management automatically updates and categorizes your information, and  suggests […]

Attention Debit Card Customers

Dear Valued Customer: You should have recently received your new Texas Republic Bank Debit MasterCard in the mail. Your Personal Identification Number (PIN) has not changed. The bank is upgrading to a new Debit MasterCard system and this card will replace your existing card effective July 11, 2012. On July 11th, please destroy your old card and […]

Online Safety Guidance

Your security is of the utmost importance to us at Texas Republic Bank. Texas Republic Bank believes that the best defense against online criminals is for us to keep you as informed as possible. Below are a few practical tips to guide you in protecting yourself against identity theft. Identity theft can occur in a number of ways: Getting […]

A Message From Our Treasury Management Officer

I would like to take the opportunity to introduce myself and Texas Republic Bank.  Our goal and mission is to provide businesses such as yours with service unparalleled to the larger banks where you may be just another number. We are a locally owned and locally managed community bank with deep roots in the communities […]

A Unique Checking Account For Churches

Even though a church is a non-profit organization, it must still manage finances in the same manner as any other company would do. A church needs a bank account in order to be able to deposit offerings, pay operating expenses, salaries, etc. It is important that the funds for the church be managed appropriately and […]

Tough Times Require Common Sense Mortgages

Have you considered how much it costs to finance a new home? The purchase price of a new home is most likely many times more than your annual income. However, waiting until your family has enough money accumulated in savings to pay cash for a new home could mean denying yourself the many benefits of […]

What We Offer Non-Profits

We love helping non-profit organizations because we understand the value they bring to our community. We offer an exclusive account – “Shooting Star Checking for Non-Profits” – with many benefits. Below is a list of a few of the benefits: – Above market interest rate (.80% APY*) – No minimum balance requirement – No monthly […]

Unique Ways We Help Non-Profits

Don’t be surprised if you see Boy Scouts and Girl Scouts selling cookies and tubs of popcorn outside our doors, or a PTA organization running a car wash in our parking lot. Our bank is in a prime location for fundraising on the southeast side of Stonebriar Mall, next door to Sam Moon. Our President, […]

Mobile Security Alert

The Federal Bureau of Investigation has recently issued a consumer warning of new malware attacks against mobile devices. The alert from the Internet Crime Complaint Center, a unit of the FBI, addresses two new Trojans known as Loozfon and FinFisher. Recent attacks showed Loozfon has the ability to steal a mobile user’s phone number as […]

We Do Home Mortgages!!!!

Did you know that we offer home mortgages? That’s right, we offer home mortgages, and specialize in Frisco area homes. Many homebuyers are frustrated by the “mortgage mess” and the strict or illogical requirements of most mortgage lenders. Texas Republic Bank’s mortgage process is like a breath of fresh air – we offer solutions, not excuses or hurdles! Because […]