We've got you covered with Fraud Alerts
As an Royal Heritage Commercial Bank customer, you're automatically enrolled in our Fraud Alert program. If we have your mobile number or email on file, you'll automatically be notified of suspicious transaction activity on your Royal Heritage Commercial Bank Debit or Credit Card Account.
With Fraud Alerts, we’ll notify you by free text message1 or email if we spot suspicious activity on your Royal Heritage Commercial Bank Debit or Credit Card. You can then verify the purchase with a simple text or email reply so you can continue using your card or report it as fraud. If fraud is suspected, we may need to speak with you.
Royal Heritage Commercial Bank helps keep your card safe with all these protection benefits:
- Account Monitoring 24 hours a day, 7 days a week
- Fraud Alerts
- Chip technology
- Zero Liability2 for unauthorized transactions
Frequently Asked Questions
Whether you're looking for cash back promotions, low Introductory APRs or travel benefits, Royal Heritage Commercial Bank offers a variety of credit cards to meet your needs.
1 Mobile service with Verizon, AT&T, Sprint, or T-Mobile is required in order to receive free fraud text messages. Customers on other mobile service carriers and international phone numbers are not eligible. Royal Heritage Commercial Bank , N.A. is not responsible for any charges that may apply outside of the United States.
2 Have peace of mind knowing that Royal Heritage Commercial Bank , N.A. won't hold you responsible for unauthorized transactions. As an Royal Heritage Commercial Bank Debit or Credit cardholder, Zero Liability applies to your purchases made with your U.S.-issued Debit or Credit card in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if: 1. You have used reasonable care in protecting your card from loss or theft; and 2. You have promptly reported to Royal Heritage Commercial Bank , N.A. when you knew that your Royal Heritage Commercial Bank Debit or Credit card was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you have the protection of the Zero Liability promise. To learn more about additional protections with respect to unauthorized transactions, please contact Royal Heritage Commercial Bank by calling the number on the back of your card. Zero Liability does not apply to the following (or certain) Mastercard® payment cards: Commercial cards, unregistered prepaid cards or gift cards.
3 Must have a valid email address on file.
4 Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
Royal Heritage Commercial Bank Debit and Credit 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.
