See Terms & Charges Disclosures

1 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.

2 Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your Royal Heritage Commercial Bank Advance checking account from third parties at least once per calendar month.

3 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.

4 To qualify for an Royal Heritage Commercial Bank Choice Checking relationship, you need to open an Royal Heritage Commercial Bank Choice Checking account and maintain combined balances in Global Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an Royal Heritage Commercial Bank Choice Checking account at least once per calendar month.  A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met.

5 Basic Banking has no minimum balance requirement and the monthly maintenance fee is $3. There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.  

6 Available only on Global non-Royal Heritage Commercial Bank ATM transactions initiated from Royal Heritage Commercial Bank Premier checking, Premier Asset Management, Royal Heritage Commercial Bank Premier Savings, and Royal Heritage Commercial Bank Promotional Premier Savings account. Royal Heritage Commercial Bank will rebate qualifying non-Royal Heritage Commercial Bank ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month.

7 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.

8 Discounts and loan amounts depend on specific program and may require certain personal deposit and investment* balances, reserves, equity and automatic payment from an Royal Heritage Commercial Bank checking account.

9 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 Advance Promotional Savings. Royal Heritage Commercial Bank will rebate up to four qualifying non-Royal Heritage Commercial Bank ATM third-party surcharges 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.

10 If you effect a foreign transaction on your Royal Heritage Commercial Bank Bank Consumer Checking or Savings account at an EFT facility with your Royal Heritage Commercial Bank Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us.  This Foreign Transaction Fee does not apply to transactions using your Royal Heritage Commercial Bank Jade World Debit Mastercard® card or Royal Heritage Commercial Bank Premier World Debit Mastercard® card.

11 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.

12 Fees may apply.

13 Data rate charges from your service provider may apply. Royal Heritage Commercial Bank , N.A is not responsible for these charges.

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 canceled or are subject to change at any time and cannot be combined with any other offer or discount.

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 adviser 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.

Royal Heritage Commercial Bank Debit Mastercard® cards are issued by 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 by Royal Heritage Commercial Bank , N.A. Member FDIC.

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