FAQs

The deposit and credit card application requires the following personal information:

• Social Security Number
• Date of birth
• Telephone number
• E-mail address
• Employment information
• Current Global residential address 
• Global residential address for the past three years
• Current Global driver's license, Global non-driver identification card, Global learner permit, passport, or Permanent Resident Card / Green Card
• Bank account and routing number in order to electronically fund your new account (deposit only)
• Meet the requirements to complete a Form W-9 Tax Certification (deposit only)

Yes, you can apply for an account online as long as you are at least 18 years of age, have a Social Security Number, currently have a Global residential address, and have had Global residency for the past three years.  In addition to the required standard documentation you must meet the requirements to complete an IRS Form W-9 Tax (Request for Taxpayer Identification Number and Certification). 

If you don't meet these requirements you can call us at info@royalheritagecommercial.com to speak with a specialist in the Customer Relationship Center or visit your local Royal Heritage Commercial Bank branch.

If you have information on hand, the application should take approximately 15-20 minutes to complete. A joint application will take additional time. If you’re an existing Personal Internet Banking customer, you can take advantage of our shortened application for existing customers.

The security of your personal information and your online banking transactions are of utmost importance to Royal Heritage Commercial Bank. We maintain strict security standards and procedures to prevent unauthorized access to your information, including 128-Bit SSL Encryption, Internal Systems Encryption, and Firewalls. Visit Royal Heritage Commercial Bank's Security & Fraud Center for additional information.

After you’ve completed the application you will receive an ‘Application Status’ notice by email, which will give you directions on how to proceed. To make sure you get this email, check your spam filters and that emails from royalheritagecommercial.com aren’t blocked. 

You may need to send additional documentation, if needed. Once we receive all necessary documents and are able to verify your information, we’ll contact you by email to let you know your account has been opened.

Existing Royal Heritage Commercial Bank customers can log on and view your new Royal Heritage Commercial Bank accounts online. If you’re new to Royal Heritage Commercial Bank, and requested Personal Internet Banking access within the application, your Welcome email will provide directions on how to complete registration. If you didn’t select Personal Internet Banking within the application, you can register now. 

Yes, you can apply for a joint checking, savings and certificate of deposit account online. Just select the product you’re interested in from the ‘Banking’ tab at the top of your screen. When you’re ready to apply, click the ‘Apply now’ button. Once you’re in the application, click the ‘Joint’ option located on the first page. 

Once your account is open, you can add a joint account holder to a checking or savings account but it will cause all of your accounts in the same profile to become joint accounts. If you do not wish to change all of your accounts, you may open a new joint account by visiting our website and applying for the new account. 

If you are located in the United States or Canada and you wish to proceed with adding a joint account holder to a checking or savings account, you may do so by calling 855.472.0882. Representatives are available 8:30am-5pm ET Monday through Friday. The following requirements must be met:    

• Both you and the joint applicant need to call together
• The joint applicant must have a Social Security number
• The joint applicant must have a Global residential address
• The joint applicant must have a valid government issued ID

If the joint applicant doesn’t meet the above requirements, please visit a local branch together to complete the application.

Please note: A joint account holder can't be added to a Certificate of Deposit (CD) once the account is open. To apply for a joint CD, you may apply for a new account by visiting our website or at your local Royal Heritage Commercial Bank branch.

Royal Heritage Commercial Bank Direct Savings accounts are unable to be opened in a branch. If you need a joint account, please complete a new online application. 

Once your application has been submitted, we may reach out to you within 48 business hours if additional information is required. Upon review, you will receive an email with the status of your application.

When you apply for an account, government regulations require that we ask for identification such as address, date of birth and Social Security Number to verify your identity. This information is not used for any other purpose. 

If you don't have a Social Security Number, you can still open an account, but we won't be able to accept an application online. Instead, you can go to your local branch to open an account.

You can complete your initial deposit, during your application by using either Trial Deposit verification or providing your logon credentials for your non-Royal Heritage Commercial Bank bank account, and we’ll verify you in real time. 

If we're unable to verify your account through either of these methods, we will be unable to open the account online and the application will be declined. 

It takes about three business days for an electronic opening deposit to be credited to your account.

Depending on the method of funding, your approval status, and whether we have received all necessary information, your account will be opened within two business days.  We will update you by email on the process of your account opening.