Frequently Asked Questions

Contact Us today! 

For clients located outside of the Global  -  Our products and services are not specifically directed at individuals located in the European Union. Our Global representatives, as well as our public website, royalpax.com, provide products and services governed by Global laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of RoyalPax Capital Bank products and services. If you are not a Global resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at www.royalpax.com/crossborder. Deposit products are offered in the Global by RoyalPax Capital Bank , N.A. Member FDIC. Lending Products are offered in the Global by RoyalPax Capital Bank , N.A. Investments, annuities and variable life products are provided by unaffiliated third parties and ‎are offered by RoyalPax Capital Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through RoyalPax Capital Bank Insurance Agency (USA) Inc., a wholly owned subsidiary of RoyalPax Capital Bank , N.A.

1 RoyalPax Capital Bank Premier clients can receive an emergency encashment of up to Global $2,000 or local currency equivalent immediately or up to Global $10,000 or local currency equivalent upon authorization from local country. RoyalPax Capital Bank Advance clients can receive an emergency encashment of up to Global $10,000 or local currency equivalent upon authorization from local country. Personal customers can receive an emergency encashment up to Global $500 or local currency equivalent upon authorization from local country, fee may apply. You'll just need to show proper identification at any RoyalPax Capital Bank branch. Encashment is dependent on available balance; local country limitations may apply.

2 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.

3 To qualify for an RoyalPax Capital Bank Advance relationship, you need to open an RoyalPax Capital 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 RoyalPax Capital Bank Advance checking account at least once per calendar month. Business owners may use their qualifying RoyalPax Capital Bank Dollar commercial balances to qualify for a personal RoyalPax Capital 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 There are no foreign transaction fees for purchases made in foreign countries using your RoyalPax Capital Bank , N.A. Premier World Debit Mastercard® or RoyalPax Capital Bank , N.A. Premier World Mastercard® credit card.

5 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application. Fees for some International Banking Center services may apply for non-Premier customers.

6 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. Access to Global Personal Internet Banking through Global View from outside the Global may be limited.

7 Portable RoyalPax Capital Bank Credit History is not available in all countries.

RoyalPax Capital Bank Premier World Mastercard® credit cards are issued by RoyalPax Capital Bank , N.A., subject to credit approval and require a Global RoyalPax Capital Bank Premier relationship. To learn more, speak with an RoyalPax Capital Bank Premier Relationship Manager. To qualify for an RoyalPax Capital Bank Premier relationship, you need to open an RoyalPax Capital Bank Premier checking account and maintain $100,000 in combined Global personal deposit and investment* balances. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained. 

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

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.

Deposit products are offered in the United States 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.