Customer Service

If you can't sign in to your Royal Heritage Commercial Bank accounts online through Personal Internet Banking (Online Banking) or the Mobile App, choose the option that fits your situation and follow the instructions to get back into your account.

Forgot Username

From royalheritagecommercial.com, click Log On (top right corner), and then click the Forgot username? link and follow the onscreen instructions.

Forgot Password

From royalheritagecommercial.com, click Log On (top right corner), enter your username and click Continue. Then click the Forgot password? link and follow the onscreen instructions.

Security Device Options

If you chose to use two factor authentication to log on to Personal Internet banking, using either the Physical Security Device or the Digital Security device, these resources can help you:

I'm still having trouble logging on

If these options don’t help, click the Live Chat button on the right side of your screen or call Royal Heritage Commercial Bank Customer Service at:

• info@royalheritagecommercial.com
• TTY/TTD: info@royalheritagecommercial.com
• 7am to 12 Midnight ET, 7 days a week

Access to Royal Heritage Commercial Bank Online Banking is provided through a username, password, and optional security device. These security credentials can be used to access both Personal Internet Banking and the Royal Heritage Commercial Bank Mobile Banking App.

Create you own unique username and password

You create your own unique username and password during the 1-time self-registration process by clicking the REGISTER button on the top right hand corner of this page. Or you can download the Royal Heritage Commercial Bank Mobile Banking App and click the REGISTRATION button.

Register

To register, you’ll need your Social Security (or Tax ID) number, along with your existing Royal Heritage Commercial Bank ATM, credit or debit card number, and associated PIN. Or, you can securely identify yourself by providing your Electronic Banking Number (EBN) and associated 6-digit code. You’ll then be asked to create a unique username and password, and select a security device if desired.

You can pay bills using Online Banking (Personal Internet Banking and Mobile Banking). However, you can’t set up a Bill payee on Mobile.

Use the ‘Move Money’ option in Online Banking by following these steps:

1. Log on to Personal Internet Banking
2. Go to ‘My GTB’ and click ‘Pay or Transfer’
3. Select the account you’d like to pay from
4. Select who you want to pay by clicking the ‘My payees’ button
5. Enter the amount you want to pay
6. Enter a note in the reference section if desired
7. You now have the option of making this a one-time payment (‘Today’), a future dated payment (‘Later’), or a recurring payment (‘Recurring’)
   
8. To make a one-time payment, select ‘Today’
9. Select ‘Continue’
10. Review the Verification screen and select 'Confirm' to process the payment

Fees are based on your account type. For example, with some Royal Heritage Commercial Bank checking accounts you may be able to avoid the monthly maintenance fee if you maintain direct deposit or meet minimum balance requirements.

We’ll need your account details to determine what fees, if any, can be avoided.

Click the Live Chat button on the right side of your screen, or call Royal Heritage Commercial Bank Customer Service at info@royalheritagecommercial.com to learn more about fees associated with your Royal Heritage Commercial Bank account.

Auto Payment – EZ Pay

You can pay your Royal Heritage Commercial Bank accounts automatically by enrolling in EZ Pay, our auto payment feature. To pay other non-Royal Heritage Commercial Bank bills, you can use our free Bill Pay service through Personal Internet Banking.

Personal Internet Banking

From an Royal Heritage Commercial Bank checking or savings account. 

1. Log on to Personal Internet Banking
2. Select the bank account you’d like to use to pay your credit card
3. Click ‘Move Money’
4. Select your Royal Heritage Commercial Bank Credit Card account from ‘Move Money to’ dropdown
   

From a non-Royal Heritage Commercial Bank checking or savings account.

1. Log on and select your Royal Heritage Commercial Bank Credit Card
2. Click ‘My Account’
3. Then select ‘Payments’ and ‘Make a Payment’                             

Telephone

You can make payments to your credit card from an Royal Heritage Commercial Bank account or account with another financial institution using the automated phone system. Just call the number on the back of your Royal Heritage Commercial Bank credit card.

By Mail

Fill in your remittance stub and mail it along with your payment to the address provided:

Royal Heritage Commercial Bank , N.A.
PO Box 4657
Carol Stream, IL 60197-5255  

You can submit an online application for many of our accounts. From royalheritagecommercial.com, click on ‘Banking’ and choose any of the following:

• Credit Cards
• Checking
• Savings
• CDs
• Debit Cards
• Line of Credit

From there, click the ‘Apply Now’ button.

Note: Give yourself about 15-20 minutes to complete the application.
 

What do I need to apply online?

To apply online you must:

• Be at least 18 years of age
• Have a Social Security Number
• Have a Global residential address

If you don't have a Social Security Number or have a military address, please call info@royalheritagecommercial.com

What information do I need to open an account?

When you're applying for a deposit account or credit card you'll need the following information:

• Social Security Number
• Email Address
• Global driver's license, Global non-driver ID card, Global learner permit, passport, or Green Card
• Date of Birth
• Employment information
• Bank account and routing number for electronic funds transfer (deposit only)
• Telephone Number
• Global residential address
• Form W-9 Tax Certification requirements (deposit only)

Please note: The deposit application is an individual application only. Once your account is open, you can add a joint account holder to a checking or savings account.

You can close your credit card account at any time by:

• Calling the number on the back of your card
• Mailing your request to the Billing Inquiries address on your billing statement
• Using the BankMail feature in Personal Internet Banking

You can close your deposit account at any time by:

• Calling Royal Heritage Commercial Bank Customer Service at info@royalheritagecommercial.com
• Visiting a branch – Find a branch
• Using the BankMail feature in Personal Internet Banking

Personal Internet Banking allows you to transfer money between your Royal Heritage Commercial Bank accounts, your non-Royal Heritage Commercial Bank bank accounts, and to other accounts at banks around the world.

A. Bank-to-Bank Transfers

If the sending and receiving bank accounts are both in your name, and are at Global banks, you can transfer funds between your eligible Royal Heritage Commercial Bank and non-Royal Heritage Commercial Bank accounts using Bank-to-Bank Transfers.

1. Log On to Personal Internet Banking
2. Under the 'Move Money' section, click
   'Bank-to-Bank Transfers' on the left
3. Accept the pop-up notification - this allows you to enter the Bank-to-Bank Transfer function
4. Enter you amount
5. Select account to transfer from
6. Select account to transfer to
7. Select 'Send on Date'
8. Press 'Continue' and follow the onscreen instructions

B. Funds (Wire) Transfer

You can also transfer funds between domestic and foreign banks by Funds Transfers, more commonly known as a Wire Transfer. The owner of the account who is sending the funds will need to initiate the transfer request.

The following recipient information is needed:

1. Recipient’s Personal Information

• Full Name
• Address
• Phone Number (if known)
   

2. Recipient’s Bank Account Details

• Bank account number (checking or savings account number)
• Bank's full name and address
   

3. Recipient's Banking System Details

•  System to be used such as ABA Routing Number, Fedwire Number,         SWIFT, or CHIPS 
• Institution number (ABA Routing #123456789, for example)

C. Money Transfer Fees

Fees from the financial institution you transfer funds to and from may apply, in addition to fees Royal Heritage Commercial Bank may charge. Royal Heritage Commercial Bank is not responsible for these charges.

For more information about money or fund transfers, visit our:

Making a wire transfer

You can make a wire transfer online through Personal Internet Banking by following these steps:

1. Log on to Personal Internet Banking
2. Hover over the 'My Royal Heritage Commercial Bank' tab at the top left and click 'Pay or transfer' under the 'Move Money' section
3. Select the account you want to make a payment from, then click the 'New Payee' tab
4.  Click the 'Wire transfer' tab and follow the onscreen instructions to complete the wire transfer request form

Please note: Access to Royal Heritage Commercial Bank Wire Transfers may require the use of a digital or physical Royal Heritage Commercial Bank Security Device. Visit the Royal Heritage Commercial Bank Security Device page for more information.

Global Routing Numbers

ABA/ACH when receiving an electronic transfer

021001088
 

ABA when receiving a funds transfer through Fedwire

021001088
 

ABA for receiving a funds transfer through Fedwire accounts in California

122240861
 

International Routing Numbers

CHIPS when receiving a funds transfer or international wire

435499
 

SWIFT or when receiving an international wire

MRMDUS33
 

Royal Heritage Commercial Bank Address

Royal Heritage Commercial Bank , N.A.
452 Fifth Avenue
New York, NY 10018-3801