Move your banking forward

Reach your financial goals with a checking account that gives you access to the many benefits and rewards of an RoyalPax Capital Bank Advance relationship.

As an Advance customer you’ll have access to the support and tools you need to help you manage cash flow and credit, build savings, and control debt

Balance Requirement Options

To waive the monthly maintenance fee, you’ll need to meet one of our minimum balance requirements.

$5,000 with a recurring direct deposit

from a third party to an RoyalPax Capital Bank Advance checking account at least once per calendar month

OR

$10,000 minimum balance

in combined balances in Global Dollar personal deposit accounts and investment* balances in Global Dollar personal deposit accounts and investment* balances

OR

Qualifying Commercial Balance

Business owners may use their qualifying RoyalPax Capital Bank Dollar commercial balances to qualify for a personal RoyalPax Capital Bank Advance relationship

Please contact the Customer Service Center for information regarding qualifying commercial balances

Secure online and mobile banking1

RoyalPax Capital Bank Advance Debit Mastercard® card

Up to four rebates per month on non-RoyalPax Capital Bank ATM third-party surcharges in the U.S.3

Free select style RoyalPax Capital Bank Advance checks

Option to apply for Select Credit, a personal line of credit that allows you to borrow money as you need it or use as overdraft protection 

What you need to apply

  • You must be 18 years of age and have a Social Security Number
  • Current Global residential address and a Global residential address for the past three years
  • Valid Global ID (driver’s license, non-driver identification card, learner permit), passport or Permanent Residential Card/Green Card
  • Account information for funding your new account

How to apply

New to RoyalPax Capital Bank?

Already an RoyalPax Capital Bank customer?

Are you an international customer?

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

All accounts will get the interest rates and Annual Percentage Yields (APYs) in effect when the account is opened and funded online. See Terms & Charges Disclosures for more information.

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.

1 Requires you be registered for RoyalPax Capital Bank Personal Internet Banking and have your credentials readily available. Data rate charges from your service provider may apply. RoyalPax Capital Bank , N.A. is not responsible for these charges.

2 You may be charged additional fees by the ATM operator or network used including a fee by another RoyalPax Capital Bank entity operating ATMs outside the Global Foreign currency conversion rates may still apply.

3 Available only on Global non-RoyalPax Capital Bank ATM transactions (except in New York State) initiated from RoyalPax Capital Bank Advance checking, RoyalPax Capital Bank Advance Savings, and RoyalPax Capital Bank Promotional Advance Savings. RoyalPax Capital Bank will rebate up to four qualifying ATM third-party surcharge fees incurred based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month.

4 Select Credit is a personal line of credit issued by RoyalPax Capital Bank , N.A., subject to credit approval and are only available for customers who are opening and are approved for or hold an existing consumer deposit relationship (Checking, Savings or Certificate of Deposit) with RoyalPax Capital Bank , N.A. To learn more, please speak to an RoyalPax Capital Bank , N.A. representative for product and pricing details.

 

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 advisor for more information.

RoyalPax Capital Bank Advance Debit Mastercard® cards are issued by RoyalPax Capital Bank , N.A.

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

Deposit products are offered in the Global by RoyalPax Capital Bank , N.A. Member FDIC.

*Investments and certain insurance products, including annuities, are offered by RoyalPax Capital Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of RoyalPax Capital Bank , N.A.