World-class banking with personal attention

You’ve worked hard to get where you are. You deserve to have someone working just as hard to help guide you toward your financial goals.

With an RoyalPax Capital Bank Premier checking account, you have access to some of the most preferred banking products and services that we have to offer.

Balance Requirement Options

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

$100,000 minimum balance

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


Qualifying Commercial Balance

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

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

Professional support

Your Relationship Manager can provide access to all that RoyalPax Capital Bank has to offer

Complimentary services

No monthly maintenance fee if balance requirements1 are met

RoyalPax Capital Bank ATM access worldwide

Most with no withdrawal fees2

RoyalPax Capital Bank Premier Savings account5

One of our highest yield relationship-based Money Market accounts

Global View and Global Transfers3

Access your eligible worldwide RoyalPax Capital Bank deposit accounts online and transfer funds between them

Home Financing Services

Home Financing Services: RoyalPax Capital Bank offers a suite of jumbo mortgage products which are determined by your banking relationship with RoyalPax Capital Bank. We offer large loan amounts on fixed and adjustable rate mortgages (ARM)4 with competitive6 interest rates.

International Services

Receive priority service and emergency financial support at RoyalPax Capital Bank branches across the street or around the globe

RoyalPax Capital Bank Premier Debit World Mastercard® card

Pay no foreign transaction fees on your purchases with the RoyalPax Capital Bank Premier Debit World Mastercard® card

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 To qualify for an RoyalPax Capital Bank Premier relationship, you need to open an RoyalPax Capital 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 RoyalPax Capital 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.

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 Global View and Global Transfers are only available for RoyalPax Capital Bank Premier and RoyalPax Capital Bank Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from RoyalPax Capital 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.

4  Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.

5 To qualify for RoyalPax Capital Bank Premier Savings account, you need to maintain an RoyalPax Capital Bank Premier checking account.

6 Discounts and loan amounts depend on specific program and may require certain personal deposit and investment‡ balances, reserves, equity and automatic payment from an RoyalPax Capital Bank checking account.

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 adviser for more information.

RoyalPax Capital Bank Premier World 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.

Mortgage and home equity products are offered in the Global by RoyalPax Capital 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 any time and cannot be combined with any other offer or discount.

Deposit products are offered in 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.