Debit Mastercard® card FAQs

If you have not yet opened a consumer deposit account with Royal Heritage Commercial Bank, you may request a card on your Royal Heritage Commercial Bank account application. If you are requesting a debit card for an existing consumer checking account, you may start your debit card application here. You can also request a debit or ATM card by sending us a BankMail or by contacting the Customer Relationship Center. If approved, we will send your card by mail 7-10 days from either the consumer deposit account opening date or the date the request is received.

An ATM card is used primarily for deposits and withdrawals at ATMs, and in some cases, point-of-sale (POS) purchases with a Personal Identification Number (PIN). A debit card has all the features of an ATM card, plus it can be used anywhere debit Mastercard® cards are accepted to purchase merchandise by directly debiting your checking account. Both cards can be used for deposits and withdrawals at any Royal Heritage Commercial Bank , National Association ATM in the U.S., and can be used to withdraw cash at over one million ATMs worldwide where the Mastercard®, Maestro® or Cirrus® marks are displayed. Foreign transaction fees may apply when using ATMs outside of the U.S., including those operated by another Royal Heritage Commercial Bank entity operating ATMs outside the Global You may also 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 U.S.

Royal Heritage Commercial Bank is dedicated to protecting your personal information. Chip technology is the most secure way to use your Royal Heritage Commercial Bank debit card and is quickly becoming the industry standard worldwide. It offers greater protection of your card information when used at a chip-enabled terminal and greater acceptance at merchants all over the world.

You may continue to use your card the same way you do today. If the retailer has a chip-enabled terminal, you may be prompted to insert your chip-enabled card, face up, into the card reader. Make sure you leave your card in the terminal while the entire transaction is processed. You may be prompted to enter your PIN for verification. ATMs work similarly. Be sure to remove your card from the terminal when the transaction is complete.

You can use your new chip-enabled card everywhere debit Mastercard® cards are accepted to complete purchases and to make ATM withdrawals.

Your experience at chip-enabled terminals and ATMs will be slightly different.

• Chip-enabled Point of Sale terminals
  Merchants are upgrading their payment terminals to accept chip-enabled cards. During the transition to chip, you can swipe your card as you normally would. If the terminal is chip-enabled, it will prompt you to insert the card instead. You will be instructed to leave the card in the terminal until the entire transaction is complete. You may be prompted to enter your PIN for verification. Once the transaction is complete, remember to remove your card from the terminal.
• ATM Transactions
  During the transition to chip, insert your chip-enabled card into the ATM and remove it just as you do today. If the ATM is chip-enabled, it will prompt you to re-insert the card again and leave it there until the transaction is complete. Once the transaction is complete, remember to remove your card from the terminal.

Contactless chip-enabled cards uses a technology called RFID (radio frequency identification), which uses near-field communications to transmit your transaction to contactless enabled terminals.

Yes, contactless transactions are protected with the same standard that protects cards equipped by a security chip. When a contactless transaction is initiated, the chip on the card generates a one-time key. Though, this key could be intercepted, it would not be valid for the next transaction.

No, there are no additional fees. Royal Heritage Commercial Bank offers chip-enabled cards as a courtesy to help keep your card information protected.

Your Royal Heritage Commercial Bank debit card is now embedded with a computer microchip that increases the security of your transactions. The chip creates a unique code each time it is used to encrypt account data. This makes the card difficult to clone and helps protect you from unauthorized transactions.

No. All new Royal Heritage Commercial Bank debit and ATM cards are now equipped with the chip technology. Chip technology is currently the best tool to fight counterfeit fraud.

Yes, Internet and telephone transactions work the same always.

The embedded microchip makes account information much more difficult to duplicate or copy, and provides enhanced fraud protection on your account when used at a chip-enabled terminal. If your card is lost or stolen, you should call to request a replacement chip-enabled card.

You can designate your primary accounts and ATM preferences by sending us a BankMail with your preferences through Personal Internet Banking. Or call our Customer Relationship Center at info@royalheritagecommercial.com to adjust your settings.

If you know your current PIN and want to change it immediately, call our automated service at 888.619.9667. Be sure to have your card associated with the PIN that you are changing handy.

If you do not know your current PIN, please call the number on the back of your card and we will order a PIN reminder to be sent to you. Once you receive the reminder, usually within 5-7 business days, you can call 888.619.9667 to change it immediately.

If you change your PIN, however, the card may not be updated and ready to use overseas until AFTER you've used the card in an ATM or conducted an online transaction at a chip-enabled terminal.

You may stop by any Global Royal Heritage Commercial Bank ATM for fast and easy access to change your ATM or Debit Card PIN.

If you've lost your debit or ATM card, please contact us immediately by calling info@royalheritagecommercial.com. You can also report your card lost or stolen by sending a BankMail in Personal Internet Banking, or you can visit one of our branches where a representative will help you contact the Customer Relationship Center. Remember, you have the security of Mastercard®'s Zero Liability Protection¹.

Contactless payments are convenient transactions that require no physical contact between the card and merchant's terminal. This works on Radio Frequency (RF) and Near Field Communications (NFC) technology. Your card has an antenna built in that is designed to work with a Point of Sale (POS) terminal in short ranges (2-4 inches). Contactless payments use the same technology as a chip or PIN so you can shop with confidence knowing that your information is secure.

It's easy! Contactless is faster than swiping or inserting your card for payment. Simply place your Royal Heritage Commercial Bank debit card close to a terminal that accepts contactless payments. Briefly hold your card close to the terminal until it confirms the payment with a green light or beep, follow the prompts, and you're done!

Thousands of merchants accept contactless payments. You can use your card wherever you see the contactless symbol, shown below. More and more retailers are upgrading to accept contactless payments every day.