REQUIRED:  Remember that an Advance savings account can’t be opened unless you have an Advance checking account. If you don’t already have an Advance checking account, we’ll direct you to that page. Once that account is open, you can come back and apply for the Advance savings account.

Reach your financial goals sooner with an Advance Savings account that earns a competitive interest rate and helps you make saving automatic with scheduled transfers between your accounts2 – no matter who else you bank with.

Need to open an Royal Heritage Commercial Bank Advance or Premier checking account?

What you need to apply

To open an Advance Savings account you need to have a qualifying Royal Heritage Commercial Bank Advance relationship which includes a new or existing:

  • Royal Heritage Commercial Bank Advance3 checking account and;
  • Minimum balance of $5,000 in combined balances WITH a recurring direct deposit from a third at least once per calendar month OR, minimum balance of $10,000 in combined balances in Global Dollar personal deposit accounts and investment balances

Benefits

Earn interest

Earn interest with a competitive savings rate.

Automatic transfers

Take your mind off your money with automatic transfers3 between your checking and savings accounts.

No monthly maintenance fee on the Advance Saving account.

FDIC insured

Your money is FDIC insured to the maximum permitted by law.

How to apply

New to Royal Heritage Commercial Bank?

Already an Royal Heritage Commercial Bank customer?

Call to apply 866.909.1269

Questions?

If you need assistance or have questions about the application, please contact us or call info@royalheritagecommercial.com. You may also view Frequently Asked Questions.

Note: By proceeding with the application you are accepting the terms and can meet the requirements listed on this page
 

What happens next?

Once you have submitted your online application, we will notify you if it can be approved online or if other information is needed to complete the application.

All accounts will receive the Annual Percentage Yield (APY) and interest rate in effect when the account is opened and funded. See Terms & Charges Disclosure for more information.

Enhance your Royal Heritage Commercial Bank relationship

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

Privacy and Security

Royal Heritage Commercial Bank recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our Royal Heritage Commercial Bank Security & Fraud Center to learn more about how Royal Heritage Commercial Bank helps keep your information secure, and what you can do to ensure a safe online experience.

1 The Royal Heritage Commercial Bank Advance Savings account is available to customers with an Royal Heritage Commercial Bank Premier4 checking or Royal Heritage Commercial Bank Advance checking account in the United States.

2 Federal Reserve Regulation D Transaction Limitations apply

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 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.

‡ 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.

Royal Heritage Commercial Bank Advance Mastercard® credit cards are issued by Royal Heritage Commercial Bank , N.A., subject to credit approval and require a Global Royal Heritage Commercial Bank Advance or Premier relationship. To learn more, speak with an Royal Heritage Commercial Bank branch representative.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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