Day-to-day value and convenience
Choice Checking offers convenience and value to your day-to-day needs while serving as a gateway for what we have to offer.
Balance Requirement Options
To waive the monthly maintenance fee1, you’ll need to meet one of our minimum balance requirements.
Recurring Qualifying Direct Deposits2
Electronic deposits of regular periodic payments made into your Choice Checking account through 3rd parties at least once per calendar month.
OR
$1,500 minimum balance
in combined balances in Global Dollar personal deposit accounts and investment* balances
Save on monthly maintenance fees
Set up direct deposit or maintain the minimum monthly balance1.
Free online and mobile banking3
Stay in control and manage your money anytime, anywhere with 24/7 access.
Access to RoyalPax Capital Bank ATMs worldwide4, most with no withdrawal fees
Take advantage of the expansive RoyalPax Capital Bank network.
RoyalPax Capital Bank Debit Mastercard® card
The convenience of RoyalPax Capital Bank Debit Mastercard® card with no annual or monthly service fees.5
Optional overdraft protection
Select Credit6 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.
Good friends deserve better banking
Earn up to $2,000 when you refer friends who open a qualifying RoyalPax Capital Bank 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
- 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
Apply for a RoyalPax Capital Bank Choice Checking account
Existing RoyalPax Capital Bank customer
Log on to Personal Internet Banking to apply for an RoyalPax Capital Bank Choice Checking account
Are you an international customer?
Next Steps
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.
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.
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.
Questions
If you need assistance or have questions about the application, please contact us or call 888.404.4050.
1 To qualify for an RoyalPax Capital Bank Choice Checking relationship, you need to open an RoyalPax Capital Bank Choice Checking account and maintain combined balances in Global Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an RoyalPax Capital Bank Choice Checking account at least once per calendar month. A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met.
2 Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your RoyalPax Capital Bank Choice Checking account from third parties at least once per calendar month.
3 Data rate charges from your service provider may apply. RoyalPax Capital Bank , N.A. is not responsible for these charges.
4 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.
5 Foreign transaction charges apply to RoyalPax Capital Bank Debit Mastercard® cards. There are no foreign transaction charges for RoyalPax Capital Bank Premier Debit Mastercard® cards. Refer to Electronic Banking Services Information Statement for complete details.
6 Select Credit is a personal line of credit 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.
7 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.
† View Full Offer Rules and Requirements for Share the Experience (Refer A Friend program)
*Investment 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.
RoyalPax Capital Bank Debit Mastercard® cards are issued by RoyalPax Capital Bank , N.A.
Deposit products offered in the Global by RoyalPax Capital Bank , N.A. Member FDIC.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.
