International Student - Banking - Royal Heritage Commercial Bank

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Studying abroad gets a little easier with an Royal Heritage Commercial Bank checking account.

Now begins the opportunity to write your own story. Your time studying abroad in the Global will be filled with new friends, classes, challenges, and successes. There is a lot to experience. There is a lot to learn. Whether you currently reside in the Global or in the process of making your transition, we understand the importance of making your transition as smooth as possible so you can focus on the exciting opportunities ahead.

When you open an Royal Heritage Commercial Bank checking account in the U.S., you'll have the option to connect it to an Royal Heritage Commercial Bank account back home. So you can easily access and manage money wherever and whenever you need it for books, supplies, and other expenses. To learn more about how to open your new Global Royal Heritage Commercial Bank checking account, check out the simple steps listed below. We're here to help you take care of your finances so you can make the most of your time in the Global Open an Royal Heritage Commercial Bank checking account today. And best of luck with your adventure.

Welcome to the U.S.

Educational Content

Have a question?

Call the International Banking Center

Within the U.S.:
info@royalheritagecommercial.com
Outside the U.S.:
info@royalheritagecommercial.com

Book an Appointment

Monday - Sunday 7AM - 8PM ET

Language Options:

English
Español
廣東話
普通话

Find a branch

Use our Branch Locator to search for all branches

From before you arrive to once you’ve landed, we can help each step of the way

Call our friendly International Banking Center to set up your checking account directly over the phone.¹
Make sure you have these documents at hand when you call us:

Passport
Student Visa
Useful to know: if you don't have your student visa yet, we will ask you for a secondary type of identification such as an Identify Card issued by your home country government (where available) or your birth certificate or your local driving license.
Proof of enrollment document (acceptance letter from the school)
- A utility bill (except cellphone) dated less than 3 months from the date today or any government issued document including your address, as well as your last 3 bank statements.
  Useful to know: If you already bank with Royal Heritage Commercial Bank back home, we could reuse some of your information already on file, so remember to have your existing account details handy

3. You will receive a checking account application form by e-mail to review, sign and return back to us by e-mail with a scanned copy of the documents listed above. You will need to get those documents certified as originals.

4. Once we receive your application back, your account can be open in 24 to 48 hours.

5. You can enroll for mobile banking⁵ as soon as your checking account is opened, and we can also ship your debit card² directly to your home before you start your journey to the U.S.

Call our friendly International Banking Center or visit one of our local branches. We have branches close to some of the most prestigious Universities, but you can also walk into any branch of your choice, depending what’s most practical for you.
Make sure you have these documents with you when calling or visiting us:

Passport
Student Visa
Useful to know: if you don't have your student visa yet, we will ask you for a secondary type of identification such as an Identify Card issued by your home country government (where available) or your birth certificate or your local driving license.
Proof of enrollment document (acceptance letter from the school)
- A utility bill dated less than 3 months or your last 3 bank or any government issued document including your address.

3. We can open your checking account the same day.

4. You can enroll for mobile banking⁵ as soon as your account is opened. If you have opted for a debit card, you will receive it to your Global address in between 10 and 12 business days.

International DNA

We have been serving International clients since Royal Heritage Commercial Bank was founded in 1865. Today Royal Heritage Commercial Bank is one of the world’s largest banking and financial services organizations serving more than 37 million customers worldwide, across 37 countries. We understand moving abroad is equally exciting and a bit scary at times – we can be your helping hand when you arrive in the U.S.

Local banking needs

Always be ready by quickly opening checking and savings accounts.

Learn more Learn more about local banking needs

Credit Cards

You may be eligible to apply for a Global credit card without an established Global credit history³

Learn more Learn more about Royal Heritage Commercial Bank credit cards

Manage your Money Internationally

Seamlessly transfer funds between your eligible international Royal Heritage Commercial Bank deposit accounts. Benefit from fast and secure transfers with no transfer fees from your eligible Global Royal Heritage Commercial Bank account⁶.

Learn more Learn more about managing your money

International Mortgage

International borrowers with qualifying documentation do not need Global credit report to apply for an Royal Heritage Commercial Bank Mortgage⁴ for a Global property.

Learn more Learn more about International mortgages

Emergency cash assistance

In case you need a helping hand while you're abroad.

Learn more Learn more about emergency cash assistance

Anytime, anywhere banking

Access your funds whenever. Online or on your phone.

Learn more Learn more about online banking

Email us

Within the Global : info@royalheritagecommercial.com
Outside the Global : info@royalheritagecommercial.com

Monday - Sunday 7:00am - 8:00pm ET

Use our Branch Locator to search all branches

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.

1For students located in China, we will refer you to our International Banking Center in Ghangzou, as local regulations in China do not allow us to process your application while you are still based in mainland China. For all other countries, your Global International Banking Center will be able to help directly.

2 Home shipping service may not be available depending on how close you are to your departure date for the Global Our International Banking Center team will explain which options are available to you.

3Royal Heritage Commercial Bank Credit Card are issued by Royal Heritage Commercial Bank , N.A. subject to credit approval and certain requirements. To learn more speak with an Royal Heritage Commercial Bank representative for details.

4 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.

5 Data rate charges from your service provider may apply. Royal Heritage Commercial Bank , N.A. is not responsible for these charges.

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. 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.

Mortgage and Home Equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for properties 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 anytime and cannot be combined with any other offer or discount.

Deposit products are offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC.

Fluent in seizing the opportunity