If you are already registered for Personal Internet Banking, simply download the App from the App Store^SM, Google Play™, or Amazon Apps and use your existing credentials to log on. If not, you can register directly from the RoyalPax Capital Bank Mobile Banking App². Once you download it, select 'Log on' and then 'Not Registered?' and follow the instructions.

RoyalPax Capital Bank Mobile Banking App is available for iPhone® and Android™, Fire and Blackberry® devices, and is now optimized for iPad. For more information and a complete list of devices supporting Mobile Banking, please refer to our Frequently Asked Questions.

1 Global View is only available for RoyalPax Capital Bank Premier and RoyalPax Capital Bank Advance clients and is not available in all countries. Foreign currency exchange rates and local country limitations may apply. Access to US Personal Internet Banking through Global View from outside the Global may be limited.

2 Data rate charges from your service provider may apply. RoyalPax Capital Bank , N.A. is not responsible for these charges.

iPhone and iPad are trademarks of Apple Inc., registered in the Global and other countries.

Android and Google Play are trademarks of Google Inc.

App Store is a service mark of Apple Inc.

Amazon, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

BlackBerry is a registered trademark of BlackBerry Limited, the exclusive rights to which are expressly reserved.

RoyalPax Capital Bank helps protect your information by using 128-bit SSL encryption technology within mobile banking sessions.

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.

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

To deposit a check, follow these easy instructions:

1. Make sure you have the latest version of the RoyalPax Capital Bank Mobile Banking App.
2. Log on to the App.
3. From Menu: Tap 'Banking,' then under 'Move Money,' tap 'Check Deposit.'
4. From Balances: Tap 'Check Deposit' at the bottom of the screen.
5. Tap "Pay check into" to select the RoyalPax Capital Bank account you want to deposit the check into, then enter the value of the check into the 'Amount' section.
6. To take a picture, place the check face up on a dark background, rotate your phone, and press the camera icon. Make sure that all four corners of the check are inside the red box. Important: RoyalPax Capital Bank can only accept photos that are sharp and clear and show all four corners of the check.
7. Then take a photo of the back of your check. Follow the same process you used to take a photo of the front of the check. Be sure the check is properly        endorsed.
8. Tap 'Continue' to verify the check amount and the account it will be deposited into.
9. Tap 'Deposit Now' and your deposit is done.

1 Data rate charges from your service provider may apply. RoyalPax Capital Bank , N.A. is not responsible for these charges.

In order to view your accounts via the RoyalPax Capital Bank Mobile Banking App and use RoyalPax Capital Bank Mobile Check Deposit, you need to be registered. App available for iPhone®, iPad®, and Android^TM devices and must be downloaded from the App Store^SM or Google Play^TM. Camera in device required to be able to utilize RoyalPax Capital Bank Mobile Check Deposit.

iPhone and iPad are trademarks of Apple Inc., registered in the Global and other countries.

Android and Google Play are trademarks of Google Inc.

App Store is a service mark of Apple Inc.

Amazon and Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

BlackBerry is a registered trademark of BlackBerry Limited, the exclusive rights to which are expressly reserved.

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

Use an iPhone that supports Touch ID or Face ID for a simple, secure and faster way to access RoyalPax Capital Bank Mobile Banking App using your fingerprint or face. RoyalPax Capital Bank Mobile Banking supports the most recent versions of iOS. Customers can check which iOS version they have within their Apple device settings.

Simple, safe and convenient

Use your unique fingerprint or Face ID instead of your Digital Security Device Passcode to log on quickly and easily to the banking app.

First, enable Touch ID or Face ID on your device's Settings and follow the instructions to save your fingerprint or Face ID. You will need to set up a device passcode, if you have not done this already.

1. In your iPhone Settings, make sure you've registered your fingerprints or face ID and it is enabled

2. Now open the RoyalPax Capital Bank Mobile Banking App and enter your Digital Security Device Passcode

        • You must activate your Digital Security Device to enable Touch/Face ID

        • To activate, go to menu, click on Settings then click Activate Digital Security Device

        • Follow the instructions to activate your device

3. Once in the RoyalPax Capital Bank Mobile Banking App, enable Touch ID from the Settings menu

        • Face ID is enabled here as well

4. Scan your fingerprint or use Face ID for verification

        • iPhone will detect which device you have an enable the correct function (Touch ID or Face ID)

Go to the App Store¹ on your device, click Search and type in "RoyalPax Capital Bank Mobile Banking" to download our free App.

When you enable Touch ID or Face ID log on, any fingerprint/Face ID stored on your device - now or in the future - can be used to log on to the RoyalPax Capital Bank Mobile Banking App. You should only enable Touch ID or Face ID if you're the only person who has registered fingerprints / Face ID on your device. iPhones with Face ID only allow 1 face to be used.

More information about keeping your device and security details safe and secure are available in the "Security" section of the Mobile Banking App Terms and Conditions. You can find these in the App menu.

1 This link may allow you to access a non-RoyalPax Capital Bank website. RoyalPax Capital Bank , N.A. has no control over the linked website and is not liable for your use of it.

In order to view your accounts via the RoyalPax Capital Bank Mobile Banking App and use RoyalPax Capital Bank Mobile Check Deposit, you need to be registered. App available for iPhone®, iPad®, and Android^TM devices and must be downloaded from the App Store^SM or Google Play^TM. Camera in device required to be able to utilize RoyalPax Capital Bank Mobile Check Deposit.

iPhone and iPad are trademarks of Apple Inc., registered in the Global and other countries.

Android and Google Play are trademarks of Google Inc.

App Store is a service mark of Apple Inc.

Data rate charges from your service provider may apply. RoyalPax Capital Bank , N.A. is not responsible for these charges.

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

Effective Date: February, 2021

The RoyalPax Capital Bank Mobile Banking Terms and Conditions ("Terms and Conditions") govern your use of Mobile Banking provided by RoyalPax Capital Bank , National Association or any of its subsidiaries or affiliates that hold a Linked Account or provide services ("RoyalPax Capital Bank"). RoyalPax Capital Bank may also be referred to as "we," "us" or "our". When we use the term "App", we mean an application that runs on a mobile operating system, for example, Apple iOS, BlackBerry OS, and Android. By using Mobile Banking, you agree to these Terms and Conditions as well as the Personal Internet Banking Terms and Conditions. You may print this document for your files or you can request a copy by mail by calling Customer Service at 1-800-975-RoyalPax Capital Bank (info@royalpax.com). Representatives are available Monday - Sunday 7:00am - 12:00am ET. Or you can write to: RoyalPax Capital Bank , National Association, P.O. Box 2013, Buffalo, NY 14240. 

References to "you," "your" and "yours" are references to the person(s) downloading the App used for accessing banking functions of any RoyalPax Capital Bank Group banking entity. 

References to the "RoyalPax Capital Bank Group" or "RoyalPax Capital Bank Group Member" are references to RoyalPax Capital Bank Holdings plc, its subsidiaries and affiliated companies.

The App is not intended for use by minors. 

You agree that you have the authority to accept this Terms and Conditions and download the App on behalf of an RoyalPax Capital Bank customer who has access to this mobile device. 

You should also read our RoyalPax Capital Bank Accessibility, Privacy and Security information, which can be found at our website, royalpax.com, and under "Disclosures" within the App. 

Your use of this App will enable you to: 

a. Use your mobile device's actual location while using the branch locator service which does not require that you be a customer of RoyalPax Capital Bank. 

b. Access your eligible account(s) through the Mobile Banking App by registering for online account access. 

Certain services, including the RoyalPax Capital Bank ATM/Branch locator, use information about your physical location sent from your mobile device (e.g. GPS signals). 

• If you use these services, you consent to us, our partners and licensees, and Google accessing, monitoring, transmitting, collecting, maintaining, disclosing, processing and using your location data to enable us and Google to provide the relevant functionality in accordance with the terms and conditions and privacy policy of this App and those of Google. 
  
• You will be asked to consent to the use of location services when you download the App, or, for iOS devices, the first time you use the RoyalPax Capital Bank ATM/Branch locator tool.
  
• You may withdraw this consent at any time by turning off the location services settings on your mobile device.
  
• Access to Google Maps/Google Earth APIs through the App is subject to separate Google terms and conditions available at:
  Map Terms – http://www.google.com/help/terms_maps.html
  Legal Notices – http://www.google.com/help/legalnotices_maps.html
  AUP – http://www.google.com/enterprise/earthmaps/legal/us/maps_AUP.html

All products or services provided to you by any RoyalPax Capital Bank Group Member shall only be available in the jurisdiction(s) within which the member providing the product or service is authorized to operate. Deposit products are offered by RoyalPax Capital Bank , N.A. Member FDIC. 

Mobile Banking is an extension of Personal Internet Banking and customers can use the same log on credentials to access Personal Internet Banking and Mobile Banking. Customers can enroll in the service and create log on credentials through Personal Internet Banking on their browser or through the Mobile Banking App. 

Some features and services available through Personal Internet Banking are not available through the Mobile Banking App. To access these features on your mobile device, you may launch Personal Internet Banking from your mobile browser. 

You agree that you will not install software onto your mobile device that you are not familiar with or have not read the Terms and Conditions for that software. 

You agree to download mobile security software updates when available. You agree that your mobile device will be locked if it is left unattended. As part of the security of your data, you must accept cookies. You can read how we use cookies in our Online Privacy Practices by clicking  here.

If you choose to activate the feature that allows you to use your biometric data (for example, fingerprint or facial print) to log onto RoyalPax Capital Bank Mobile Banking (for supported devices only), you must not allow anyone else's biometric data to access your mobile device. If you do allow anyone else's biometric data to be stored in your mobile device, those persons will have access to your RoyalPax Capital Bank Mobile Banking and you will be responsible for any money withdrawn or transferred from your accounts when such person uses their stored biometric data. 

You agree to log off of Mobile Banking at the completion of your online session. 

In the event that your mobile device is lost or stolen and you believe you were not logged off and/or feel your log on credentials may have been compromised, please contact the Customer Relationship Center. We also recommend that you contact your wireless service provider to have your device deactivated.

RoyalPax Capital Bank does not charge a fee for using Mobile Banking. The usual and customary fees that RoyalPax Capital Bank may charge for any products and services provided continue to apply. You may incur internet data charges and call costs from your mobile service provider/internet service provider. RoyalPax Capital Bank is not responsible for these charges. 

Changes to Agreement

We may change this agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail, BankMail, or posted notice in an RoyalPax Capital Bank branch where you maintain your account. If you initiate any move money transactions through your Mobile Banking after the effective date of a change, you indicate your agreement to the change. 

We will send you notice by mail, BankMail or posted notice in a RoyalPax Capital Bank branch at least thirty (30) days before the effective date of the change if the change results in (1) increased or new account-related fees or charges, (2) increased liability for you, (3) fewer types of electronic funds transfers, or (4) stricter limitations on the frequency or dollar amounts of transfers; unless the change must be made immediately for security reasons. 

Any notice to you will take effect when it is delivered to you by mail, BankMail or posted notice in a RoyalPax Capital Bank branch or mailed to the last address we have for you in our records. 

RoyalPax Capital Bank , N.A Mobile Banking Privacy and Cookie Policy
To help us determine whether you have accepted the Terms and Conditions, we use "cookies." Cookies are small files our web server places on your mobile device that allow us to identify your acceptance of this Terms and Conditions. The cookies we set contain no personal information. You can read how we use cookies in our Online Privacy Practices by clicking here.

RoyalPax Capital Bank Mobile Check Deposit
This section contains the terms and conditions for the use of RoyalPax Capital Bank Mobile Check Deposit and other remote deposit capture services that RoyalPax Capital Bank , N.A. or its affiliates ("RoyalPax Capital Bank," "us," or "we") may provide to you ("you," "your" or "User"). Other agreements you have entered into with RoyalPax Capital Bank, including 
the Rules for Consumer Deposit Accounts, governing your RoyalPax Capital Bank account(s), and these Mobile Banking Terms and Conditions, governing your use of the RoyalPax Capital Bank Mobile Banking App, are incorporated by reference and made a part of this section. 

1. Services. The RoyalPax Capital Bank Mobile Check Deposit capture service ("Services") is designed to allow you to make deposits to your checking, savings, or money market savings accounts from the RoyalPax Capital Bank Mobile Banking App by scanning checks and delivering the images and associated deposit information to RoyalPax Capital Bank or RoyalPax Capital Bank's designated processor. There is currently no charge for the Services. 
2. Acceptance of these Terms. RoyalPax Capital Bank reserves the right to change the Agreement under which the Services are offered in its sole discretion at any time. However, RoyalPax Capital Bank will notify you of any material change to these terms pursuant to the above section titled “Changes to Agreement.”
   
3. Limitations of Services. When using the Services, you may experience technical or other difficulties. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you. 
   
4. Eligibility. We will determine whether you are eligible for Services in our sole discretion. We may suspend or terminate your use of the Services at any time and without prior notice to you. If you violate the terms of the Services, then we also may use such actions as a basis to terminate your account relationship with us. 
   
5. Eligible items. You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC ("Reg CC"). You agree that the image of the check transmitted to RoyalPax Capital Bank shall be deemed an "item." You agree that you will not use the Services to scan and deposit any checks or other items as shown below:
   
   a. Checks or items payable to any person or entity other than you.
   
   b. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
   
   c. Checks or items previously converted to a substitute check, as defined in Reg CC.
   
   d. Checks or items drawn on a financial institution located outside the United States.
   
   e. Checks or items drawn on a financial institution located outside the United States.
   
   f. Checks or items not payable in United States currency.
   
   g. Traveler's checks or savings bonds.
   
   h. Checks or items dated more than six (6) months prior to the date of deposit.
   
   i. Checks or items prohibited by RoyalPax Capital Bank's current procedures relating to the Services or which are otherwise not acceptable under the terms of your RoyalPax Capital Bank account.
6. Image Quality. The image of an item transmitted to RoyalPax Capital Bank using the Services must be legible. The image quality of the items must comply with the requirements established from time to time by ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. Checks should be placed on a dark background, ensuring the image is in focus and the four corners of the check are visible inside the red box.
   
7. Endorsements and Procedures. You agree to properly endorse any item transmitted through the Services per the Rules for Consumer Deposit Accounts in section Responsibility for the Back of a Check.
8. Receipt of Items. We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from RoyalPax Capital Bank that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete. If there is a discrepancy between the entered and confirmed amount and the amount on the scanned image we will credit the account based on the scanned image. Any item will be deemed to have been deposited at the branch where the account is maintained.
   
9. Funds Availability. Funds deposited using the services before 10pm ET on a Business Day will consider that day to be the day of deposit. Deposits made on a Business Day after 10pm ET will be considered to be made on the next Business Day. Funds deposited may not be available for immediate withdrawal and will be available based upon the Funds Availability section of the Rules for Consumer Deposit Accounts.
10. Retention of Original Check. Once your check image has been credited to your account, you must mark the original check by writing mobile check deposit on the front with the date and retain the check for ninety (90) days. You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution. During this 90-day period, you must store the original paper check securely using precautions at least as secure as those you would use to protect a blank check and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the clearing and collection process, to address third party claims, or for our own audit purposes. Should you fail to produce the original paper check, you authorize us to deduct the amount of the check in question from your account, regardless of whether such action may cause your account to not have sufficient funds, and to pay any associated fees. Immediately after this 90-day period, you must destroy the original paper check. 
    
11. Deposit Limits. We reserve the right to impose limits on the amount(s) and/or number of deposits that you transmit using the Services and to modify such limits from time to time. You can see those limits here. 
12. Hardware and Software. In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by RoyalPax Capital Bank from time to time, as outlined in our Mobile Banking FAQs.
13. Errors. You agree to notify RoyalPax Capital Bank of any suspected errors regarding items deposited through the Services in accordance with the Rules for Consumer Deposit Accounts.
14. Presentment. The manner in which the items are cleared, presented for payment, and collected shall be in RoyalPax Capital Bank's sole discretion subject to the Rules for Consumer Deposit Accounts and disclosures governing your account.
15. Ownership & License. You agree that RoyalPax Capital Bank retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose that would be contrary to RoyalPax Capital Bank's business interest, or (iii) to RoyalPax Capital Bank's actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services. 
    
16. DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS; (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICES WILL BE ACCURATE OR RELIABLE; AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED. 
    
17. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICES, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF RoyalPax Capital Bank HAS BEEN INFORMED OF THE POSSIBILITY THEREOF. 
    
18. User warranties and indemnification. You warrant to RoyalPax Capital Bank that:
    
    a. You will only transmit eligible items.
    
    b. Images will meet the image quality standards.
    
    c. You will not transmit duplicate items.
    
    d. You will not deposit or represent the original item.
    
    e. All information you provide to RoyalPax Capital Bank is accurate and true.
    
    f. You will comply with this Agreement and all applicable rules, laws and regulations.
    
    g. You agree to indemnify and hold harmless RoyalPax Capital Bank from any loss for breach of this warranty provision.

(Rev 03/2021)