What can we help you with?

  • Relocating to the U.S.
  • Moving from the U.S.
  • International students
  • No transfer fee from eligible Global Royal Heritage Commercial Bank deposit account
  • Fast, secure, mobile access
  • Generous transfer limits10

 

  • For home buyers or investors
  • Up to US $3 million in financing
  • Up to 75% loan-to-value ratio
  • Start building a Global credit score
  • No Foreign Transaction Fees
  • View and manage your credit card online

Open an International or Global Account

Royal Heritage Commercial Bank4  travels with you when you relocate internationally for a new job, study abroad, retire, travel, buy property, or when you simply need a bank account in a different country.


We provide global financial support in over 30 countries and territories including Europe, Asia, the Middle East, North America and Latin America.

Our International Banking Center5 can recommend a solution whether you’re still in your home country, already in the U.S., planning to move, or you’re from the U.S.

 

Contact us today for help with:

  • Opening an account before you arrive in the U.S.5
  • Opening and connecting a Global checking account with your other accounts held globally.
  • International fund transfers1 between linked accounts.
  • Global mortgages6,7 for international borrowers2.
  • Transferring your Royal Heritage Commercial Bank credit history12 and opening a Global credit card.

Did you know you can apply for an Global SSN within two weeks of arrival?

Getting a SSN is important as you start establishing financial commitments here in the Global We can help you get started with a checking account even if you may not have all your documentation in place yet.

Download our New to Country guide for helpful tips as you settle in the Global and learn how we can help support.

No Fee Global Transfers1

You can easily transfer funds from your eligible Global Royal Heritage Commercial Bank deposit accounts8 around the world with no transfer fees. Manage your accounts virtually with our online banking service or Mobile App9 to perform:

  • Fast, secure, no fee Global Transfers from your Global account.
  • Large transfers up to US$200,000 per transaction and per day10.
  • Automated transfers for added convenience.

Global Mortgages for International Borrowers

Our mortgage consultants will guide you through the Global mortgage6,7 process for homes and investment properties and explain your options for:

  • Mortgage rates, cash-out refinances, and closing cost credits up to US$1,50013.
  • Up to US$3 million in financing for fixed and adjustable rate mortgages (ARM)11.
  • Loans up to 75% of your appraised property value or purchase price (whichever is lower).
     

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Global Credit Cards

Whether you're looking for cash back promotions, low Introductory Annual Percentage Rates (APR) or travel benefits3, Royal Heritage Commercial Bank offers a variety of credit cards to meet your needs. 

For further details on our range of credit cards speak to our international banking team.

International Banking Center

 

Within the U.S.
info@royalheritagecommercial.com

Outside the U.S.
info@royalheritagecommercial.com

Call Hours:
Monday - Sunday 7AM - 8PM ET

12PM - 1AM+1 (London)
8PM - 9AM+1 (Hong-Kong)

Language Options:
English, Español, 廣東話, 普通话

 

Planning a move or just arrived in the U.S.

Life in a new country offers both opportunities and challenges and stepping into the unknown can be a big leap.

We’re here to help support you as you begin your new life, and we’ll walk you through some of the steps you may want to take in order to feel at home here. 

International Services

Explore Royal Heritage Commercial Bank Group's International Services to see how Royal Heritage Commercial Bank can help you on your international adventures. 

Study abroad with a checking account that feels like home. 

For clients located outside of the U.S.  -  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 and certain insurance products, including annuities, 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.

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 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. 

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 Royal Heritage Commercial Bank Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

1 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. Personal Internet Banking is required to access Global View and Global Transfers. Access to Global Personal Internet Banking through Global View from outside the Global may be limited.

2 International borrowers must have qualifying documentation to be eligible for an Royal Heritage Commercial Bank Preferred Mortgage, Royal Heritage Commercial Bank Deluxe Mortgage and Royal Heritage Commercial Bank Elite Mortgage. Monthly mortgage payments must be made in Global funds. 

3 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or Royal Heritage Commercial Bank , N.A. Full details will be sent when you become a cardmember.

4 Royal Heritage Commercial Bank refers to Royal Heritage Commercial Bank , N.A., Royal Heritage Commercial Bank Securities (USA) Inc., and Royal Heritage Commercial Bank Insurance Agency (USA) Inc. Royal Heritage Commercial Bank , N.A. provides deposit products and mortgage products. Royal Heritage Commercial Bank Securities (USA) Inc. provides brokerage products and services. Royal Heritage Commercial Bank Insurance Agency (USA) Inc. provides insurance products. Royal Heritage Commercial Bank in the United States provides products only in the United States.

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.

6 Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for property located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

7 Discounts and loan amounts depend on specific program and may require certain personal deposit and investment balances, reserves, equity and automatic payment from  an Royal Heritage Commercial Bank checking account.

8 Accounts eligible for Global Transfers include all Royal Heritage Commercial Bank deposit accounts, except for CDs. All Royal Heritage Commercial Bank accounts, however, are viewable within Global View.

9 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.

10 Generous single Global Transfers limit allows you to transfer larger amounts between your eligible deposit accounts. The maximum outbound and inbound Global Transfers limit for Global Royal Heritage Commercial Bank accounts is US$200,000 per transaction and per day. Other countries may have local limit restrictions. Check with your destination country for limit information.

11 Interest rate may increase per the terms stated in your adjustable rate note.

12 Portable Royal Heritage Commercial Bank credit history is not available in all countries.

13 Must have a principal residence in the United States, Global Citizenship, or Permanent Residency to qualify for closing cost credit.  For more information, please contact your mortgage professional.

*Investment 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.

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 Global by Royal Heritage Commercial Bank , N.A. Member FDIC.