Move your banking forward
Reach your financial goals with a checking account that gives you access to the many benefits and rewards of an Royal Heritage Commercial Bank Advance relationship.
As an Advance customer you’ll have access to the support and tools you need to help you manage cash flow and credit, build savings, and control debt
Balance Requirement Options
To waive the monthly maintenance fee, you’ll need to meet one of our minimum balance requirements.
$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
OR
$10,000 minimum balance
in combined balances in Global Dollar personal deposit accounts and investment* balances in Global Dollar personal deposit accounts and investment* balances
OR
Qualifying Commercial Balance
Business owners may use their qualifying Royal Heritage Commercial Bank Dollar commercial balances to qualify for a personal Royal Heritage Commercial Bank Advance relationship
Please contact the Customer Service Center for information regarding qualifying commercial balances
Secure online and mobile banking1
Royal Heritage Commercial Bank Advance Debit Mastercard® card
Up to four rebates per month on non-Royal Heritage Commercial Bank ATM third-party surcharges in the U.S.3
Free select style Royal Heritage Commercial Bank Advance checks
Option to apply for Select Credit, a personal line of credit that allows you to borrow money as you need it or use as overdraft protection
What you need to apply
- You must be 18 years of age and have a Social Security Number
- Current Global residential address and a Global residential address for the past three years
- Valid Global ID (driver’s license, non-driver identification card, learner permit), passport or Permanent Residential Card/Green Card
- Account information for funding your new account
How to apply
New to Royal Heritage Commercial Bank?
Already an Royal Heritage Commercial Bank customer?
Are you an international customer?
Note: By proceeding with the application you are accepting the terms and can meet the requirements listed on this page
All accounts will get the interest rates and Annual Percentage Yields (APYs) in effect when the account is opened and funded online. See Terms & Charges Disclosures for more information.
Important information about procedures for opening a new account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.
What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.
1 Requires you be registered for Royal Heritage Commercial Bank Personal Internet Banking and have your credentials readily available. Data rate charges from your service provider may apply. Royal Heritage Commercial Bank , N.A. is not responsible for these charges.
2 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.
3 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.
4 Select Credit is a personal line of credit issued by Royal Heritage Commercial Bank , N.A., subject to credit approval and are only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with Royal Heritage Commercial Bank , N.A. To learn more, please speak to an Royal Heritage Commercial Bank , N.A. representative for product and pricing details.
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.
Royal Heritage Commercial Bank Advance 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.
*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.
