Usability 
First Republic is the retail banking arm of stock broker Merrill Lynch. The parent company was acquired last year by Bank of America. At least for now First Republic has kept its name, URLs and mobile web site. The mobile site offers the bank's customers account summaries, balances, transaction history, transfers between accounts and bill payment. There is also an ATM and branch locator which does not require a login and can thus be used by anyone. The locator's results listing are pretty minimal, there are no maps or driving direction options and phone numbers are not click to call! Source: Oh! Mobile Directory