Frequently Asked Questions

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For clients located outside of the Global  -  Our products and services are not specifically directed at individuals located in the European Union. Our Global representatives, as well as our public website, royalheritagecommercial.com, provide products and services governed by Global laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of Royal Heritage Commercial Bank products and services. If you are not a Global resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at www.royalheritagecommercial.com/crossborder. Deposit products are offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC. Lending Products are offered in the Global by Royal Heritage Commercial Bank , N.A. Investments, annuities and variable life products are provided by unaffiliated third parties and ‎are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through Royal Heritage Commercial Bank Insurance Agency (USA) Inc., a wholly owned subsidiary of Royal Heritage Commercial Bank , N.A.

1 Royal Heritage Commercial Bank Premier clients can receive an emergency encashment of up to Global $2,000 or local currency equivalent immediately or up to Global $10,000 or local currency equivalent upon authorization from local country. Royal Heritage Commercial Bank Advance clients can receive an emergency encashment of up to Global $10,000 or local currency equivalent upon authorization from local country. Personal customers can receive an emergency encashment up to Global $500 or local currency equivalent upon authorization from local country, fee may apply. You'll just need to show proper identification at any Royal Heritage Commercial Bank branch. Encashment is dependent on available balance; local country limitations may apply.

2 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.

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 There are no foreign transaction fees for purchases made in foreign countries using your Royal Heritage Commercial Bank , N.A. Premier World Debit Mastercard® or Royal Heritage Commercial Bank , N.A. Premier World Mastercard® credit card.

5 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application. Fees for some International Banking Center services may apply for non-Premier customers.

6 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. Access to Global Personal Internet Banking through Global View from outside the Global may be limited.

7 Portable Royal Heritage Commercial Bank Credit History is not available in all countries.

Royal Heritage Commercial Bank Premier World Mastercard® credit cards are issued by Royal Heritage Commercial Bank , N.A., subject to credit approval and require a Global Royal Heritage Commercial Bank Premier relationship. To learn more, speak with an Royal Heritage Commercial Bank Premier Relationship Manager. To qualify for an Royal Heritage Commercial Bank Premier relationship, you need to open an Royal Heritage Commercial Bank Premier checking account and maintain $100,000 in combined Global personal deposit and investment* balances. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained. 

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

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.

Deposit products are offered in the United States 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.