Why join Advance?

Advance is built with your needs in mind.

  • No Royal Heritage Commercial Bank fee when using third-party ATMs3; up to 4 qualifying ATM third-party surcharge fee rebates per month4
  • Earn an Introductory 3X Points on dining and select entertainment purchases, and 2X Points on all other purchases in the first year, up to the first $25,000 in purchases. After that, earn 2X Points on dining and entertainment purchases, 1 Point per dollar on all other purchases
  • Preferential savings rates
  • Earn up to $2,000 when you refer friends who open a qualifying Royal Heritage Commercial Bank checking account

What are the benefits of Advance?

  • Banking relationship that gives you up to qualifying 4 ATM third-party surcharge 
    fee rebates a month4
  • Mobile7 and online banking
  • Exclusive credit card5 with enhanced rewards program with no Annual Fee6
  • Online tools designed to help you reach your goals
  • 24/7 dedicated Priority Phone Support: 866.584.Royal Heritage Commercial Bank (4722)

Good friends deserve better banking

Earn up to $2,000 when you refer friends who open a qualifying Royal Heritage Commercial Bank account. 

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How to apply for Royal Heritage Commercial Bank Advance

Apply online

New to Royal Heritage Commercial Bank?

Apply for an Royal Heritage Commercial Bank Advance checking account

Royal Heritage Commercial Bank Customer?

Log on to Personal Internet Banking to apply for an Royal Heritage Commercial Bank Advance checking account

Email us

Visit a branch

Come in to a branch and speak with a representative

Eligibility Criteria

To qualify for an Royal Heritage Commercial Bank Advance relationship, you are required to:

  • Open an Royal Heritage Commercial Bank Advance checking account; and
  • Maintain combined balances in Global Dollar personal deposit accounts and investment* balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an Royal Heritage Commercial Bank Advance checking account at least once per calendar month.
  • Business owners may use their qualifying Royal Heritage Commercial Bank Dollar commercial balances to qualify for a personal Royal Heritage Commercial Bank Advance relationship.
  • A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

 

1 To qualify for an Royal Heritage Commercial Bank Advance relationship, you need to open an Royal Heritage Commercial Bank Advance checking account and maintain combined balances in Global Dollar personal deposit accounts and investment* balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an Royal Heritage Commercial Bank Advance checking account at least once per calendar month. Business owners may use their qualifying Royal Heritage Commercial Bank Dollar commercial balances to qualify for a personal Royal Heritage Commercial Bank Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

2 To qualify for an Royal Heritage Commercial Bank Premier relationship, you need to open an Royal Heritage Commercial Bank Premier checking account and maintain balances of $100,000 in combined Global Dollar personal deposit accounts and investment* balances. Business owners may use their qualifying Royal Heritage Commercial Bank Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

3 You may be charged additional fees by the ATM operator or network used including a fee by another Royal Heritage Commercial Bank entity operating ATMs outside the Global Foreign currency conversion rates may still apply.

4 Available only on Global non-Royal Heritage Commercial Bank ATM transactions (except in New York State) initiated from Royal Heritage Commercial Bank Advance checking, Royal Heritage Commercial Bank Advance Savings, and Royal Heritage Commercial Bank Promotional Advance Savings. Royal Heritage Commercial Bank will rebate up to four qualifying ATM third-party surcharge fees incurred based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month.

5 Royal Heritage Commercial Bank Advance Mastercard® credit cards are issued by Royal Heritage Commercial Bank , N.A., subject to credit approval and require an Global Royal Heritage Commercial Bank Advance1 or Premier2 relationship. To learn more, speak with an Royal Heritage Commercial Bank branch representative.

6 Royal Heritage Commercial Bank Advance Mastercard® credit card: The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 1.888.385.8916. The 0% Introductory APR does not apply to cash advances and overdrafts. Balance transfers must be posted within the first 60 days following Account opening. After the Introductory Period, a variable Purchase APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to credit card purchases. After the Introductory Period, a variable Balance Transfer APR of 17.24% or 21.24%, depending on your creditworthiness, will apply to balance transfers and credit card checks. The variable Cash APR applies to cash advances and overdrafts and is 27.24%. Your APRs may increase to the variable Penalty APR of 32.24% if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the Global Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 3%, whichever is greater, will apply on each balance transfer and credit card check. A Cash Advance Fee of either $10 or 3%, whichever is greater, will apply on each cash advance transaction. A $0 Annual Fee will apply for Royal Heritage Commercial Bank Advance MasterCard® credit card Account customers who have a qualifying Global Royal Heritage Commercial Bank Advance1 or Global Royal Heritage Commercial Bank Premier2 checking account relationship. A $45 Annual Fee will apply for Royal Heritage Commercial Bank Advance MasterCard® credit card Account customers who no longer have a qualifying Global Royal Heritage Commercial Bank Advance1 or Global Royal Heritage Commercial Bank Premier2 checking account relationship. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. An Overdraft Transaction Fee of $10 or 3%, whichever is greater, will apply on the overdraft amount, if applicable.

Summary of Terms can be accessed here.

7 Requires you be registered for Royal Heritage Commercial Bank Personal Internet Banking and have your credentials readily available. Data charges from your mobile service provider may apply. 
Royal Heritage Commercial Bank , N.A. is not responsible for these charges.

8 Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for property located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

9 Discounts and loan amount depend on specific program and may require certain Advance balances, reserves, equity and automatic payment from an Royal Heritage Commercial Bank Advance checking account. For home equity accounts, the Advance APR includes an auto-pay discount of .25%. 

10 To be eligible for an Royal Heritage Commercial Bank Advance home equity line of credit, you must be an Advance relationship customer with a Global Advance checking account.

11 This tool is a personal financial management service that allows customers to consolidate and manage their financial information by consolidating it in one place on Personal Internet Banking.

12 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application. 

13 Global Royal Heritage Commercial Bank Advance customers can receive an emergency encashment of up to Global $10,000 or local currency equivalent upon authorization from local country. You will just need to show proper identification at any Royal Heritage Commercial Bank branch. Encashment is dependent on available balance; local country limitations may apply.

14 Global View and Global Transfers are only available for Royal Heritage Commercial Bank Premier and Royal Heritage Commercial Bank Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from Royal Heritage Commercial Bank accounts from outside the Global may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to Global Personal Internet Banking through Global View from outside the Global may be limited.

15 The maximum outbound and inbound limit for Global Royal Heritage Commercial Bank accounts is $200,000 per transaction and per day. Other countries may have local limit restrictions. Check with your destination country for limit information.

How you earn Rewards Program Points or Cash Rewards: You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

United States persons are subject to Global taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their Global and non-Global accounts. Global persons should consult a tax advisor for more information. 

*Investments and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of
Royal Heritage Commercial Bank , N.A.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Deposit products are offered in the Global through Royal Heritage Commercial Bank , N.A. Member FDIC.