RoyalPax Capital Bank Basic Banking

When a basic checking account is all you want.

No Minimum Balance

Regardless of your balance, your monthly maintenance fee is only $31.


$3 monthly maintenance fee1

regardless of balance, your fee stays the same.

RoyalPax Capital Bank Debit Mastercard® card
The convenience of RoyalPax Capital Bank Debit Mastercard® card with no transaction fees on domestic purchases and no monthly or annual service fees.2

Online banking
With free Personal Internet Banking, online Bill Pay and eStatements, banking is easier and greener, too.

Optional overdraft protection

Select Credit3 is a personal line of credit that allows you to borrow money as you need it, up to your available credit limit, at a competitively low APR. It can also be used as overdraft protection for your qualifying linked RoyalPax Capital Bank checking account.

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

See Terms & Charges Disclosures for more information.

  • 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?

Existing to RoyalPax Capital Bank?

Are you an international customer?

Enhance your RoyalPax Capital Bank relationship

Next Steps

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. See Terms & Charges Disclosures for more information.


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.

You must be at least 18 years of age, have a Social Security Number, currently have a Global residential address and have had Global residency for the past three years to apply for a deposit account online.

Privacy and Security

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


If you need assistance or have questions about the application, please contact us or call 888.404.4050.

1 Basic Banking has no minimum balance requirement and the monthly maintenance fee is $3. There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $.35 per check or withdrawal. 

2 If you effect a foreign transaction on your RoyalPax Capital Bank Bank Consumer Checking or Savings account at an EFT facility with your RoyalPax Capital Bank Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us.  This Foreign Transaction Fee does not apply to transactions using your RoyalPax Capital Bank Jade World Debit Mastercard® card or RoyalPax Capital Bank Premier World Debit Mastercard® card.

3 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 with an RoyalPax Capital Bank , N.A. representative for product and pricing details.

4 The RoyalPax Capital Bank Everyday Savings account is available to all consumers. A minimum Average Ledger Balance of $500 is required to avoid the Monthly Maintenance Fee of $5.

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

RoyalPax Capital Bank Gold Mastercard® credit cards and RoyalPax Capital Bank Cash Rewards Mastercard® credit cards are issued by RoyalPax Capital Bank , N.A., subject to credit approval. To learn more, speak with an RoyalPax Capital Bank branch representative.

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

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