Frequently Asked Questions

Move Money is a single place for managing all your payments and transfers from your RoyalPax Capital Bank US accounts.

All payments and transfers can be started by selecting the Move money icon within the 'Transaction History' page or via the My RoyalPax Capital Bank tab at the top of the screen and selecting from the Move money menu.

You can move money between your accounts (both international and United States) or make payments to other people or pay your bills. You also have the option to setup payees and save them for future payments.

IMPORTANT TO NOTE: We no longer have an option to pay multiple bill payees in a single location. The new 'Move money' section allows you to pay one bill payee at a time, however, it has been designed to quickly and easily set up a payment and move on to the next.

For eligible move money options, you can choose for the transaction to happen immediately, on a future date and set up regular payments between your accounts or to someone else.

For transfers between your checking and saving accounts in your own country and in the same currency, you can also use Quick Transfer on your My Banking page.

This section can be accessed from the 'My RoyalPax Capital Bank' tab at the top of the home page or by clicking on the Move money icon located in the upper left corner within any account detail page.

To make things simpler for you, all globally-linked accounts now appear on your 'My accounts' page. Your US accounts will appear first, and then any other linked countries/territories after.

To transfer to your global accounts, on the 'My accounts' screen, select the account that you wish to make a transfer from, and then click on the 'Move money' icon.

Review the 'from account' and select the appropriate 'to account' from the options provided. All globally-linked accounts that you can transfer to will appear in this list.

Enter the transfer amount and then follow the on-screen instructions to select when you would like the transfer to occur. A transfer can be set up to go now, later or as a recurring payment.

Yes. You will not need to re-enter your payee information after you are upgraded, but you should verify that the correct information has been carried over once the conversion is complete including payees' mailing addresses.

From the 'My Payees' section on the left hand side of your screen, you have the option to add a 'New Bill Payee', but not a new Wire payee. A new Wire Payee can only be set up in line with a new wire payment transaction i.e. when you choose to transfer funds to "New Payee" by selecting "Wire Payee".

To set-up a new Wire payee, you need to click Move money, then click the 'New payee' tab, and then click on the 'Wire transfer'button. The system will require you to enter your Security Code at this point unless you already used a Security Code to log onto that session, and will also need to enter a transaction digital signing code to complete the wire payee creation. Once the wire has been confirmed this new wire payee will appear in the My Payees tab.

You can use 'Move money' option to transfer money from any of your RoyalPax Capital Bank deposit accounts to your RoyalPax Capital Bank Credit Card account or click on the 'View Details' option to be directed to the credit card page.

Yes, you can still view your RoyalPax Capital Bank Credit Card details, as well as set up services such as ez pay, by selecting the 'View details' option to launch the detailed RoyalPax Capital Bank Credit Card page.

The Quick Transfer function is a new feature added to Personal Internet Banking. It allows you to transfer funds between your own domestic savings and checking accounts immediately. It is available from the bottom of the 'My Banking' page, under the 'Transaction History' section of the page.

No. Quick Transfer provides the ability to transfer money immediately between your checking and savings accounts only.

No. If you have an RoyalPax Capital Bank Credit Card, you can transfer money from one of your RoyalPax Capital Bank deposit accounts to your RoyalPax Capital Bank Credit Card(s) account using the Move money function.

First, you'll need to navigate to the Move money section of Personal Internet Banking. This can be accessed from the My Banking home page OR within 'Transaction History' section located to the right of the 'My Accounts' listing in the upper left hand corner under the Move money button.

Once you are in this section, you need to follow the steps listed below:

• Select the account you wish to pay from.
• Select who you want to pay by clicking on the My payees button
• Enter the amount you wish to pay.
• Enter a note in the reference section if desired.
• You now have the option of making this a one-time payment, a future dated payment or a recurring payment.
• To make a one-time payment, select "Today."
• Select "Continue."
• Validate the information you input to confirm accuracy and select "Continue."
• Review the Verification screen and select confirm to process the payment.

You can cancel a future payment at any time before it is processed.

To cancel a future payment:

• Click on the RoyalPax Capital Bank logo to return to the 'My accounts' screen.
• Click the 'Move money' button from your Transaction summary screen on the right.
• Select Amend or cancel pending payments and transfers ' within 'Move money' and follow the on-screen instructions.

If a payment has already taken place, then it cannot be cancelled. It will show on your recent transactions list.

You can edit payment at any time before it is processed.

To amend future or recurring payments:

• Click on the RoyalPax Capital Bank logo to return to the 'My Banking' screen.
• Click the 'Move money' icon from your Transaction summary screen on the right.
• Within Move money, select 'Amend or cancel pending payments and transfers'.
• Find the payment that you wish to amend from the list of payments, then select 'Edit' and follow the on-screen instructions.

If a payment has already taken place, then it cannot be edited. It will show on your recent transactions list.

1. Select Bill Payment History on the left hand side of the Move money menu.
2. You are able to search for a payment using any of the following information:
   1. Select account you paid from.
   2. If you don't remember which account you paid from, you may select 'all accounts', select 'Search' and search by the following specifications.
      1. Search by date range.
      2. Search by amount.
      3. Search by name of payee.

Once you make your selection and press enter, a list of transactions or your specific transaction will be shown on the screen.

To make a future payment, first select the account that you wish to send the money from, and then select the appropriate 'To account' from the options provided.

Once the 'To account' has been selected enter the payment amount. Then for future payments, please select 'Later' (if applicable). You will be asked to confirm when you want the payment to occur.

Then select Continue to verify the payment details.

To make a recurring payment, first select the account that you wish to send the money from, and then select the appropriate 'To account' from the options provided.

Once the 'To account' has been selected enter the payment amount. Then for recurring payments, please select 'Recurring' (if applicable). You will be asked to confirm when you want the payment to take place as well as the number of payments.

Then select Continue to verify the payment details.

Yes. Within the 'Move money' section select Amend or cancel pending payments and transfers. This will provide a consolidated view of all pending payments and transfers (future/pending Transfers, Bill Pay, and Wire transfer) Future/pending transfers and bill pays can be modified or deleted. Although wire payments are not technically future dated, international wires may be cancelled within their 30 minutes cancellation window. Please note that domestic wire will be executed immediately without a 30 minutes cancellation window.

The frequency for recurring payments can be set to Weekly, Every 2 weeks, Monthly, Every 2 months, Quarterly, Semi-annually, and Annually. The date of the first payment can be set to today's date. If the recurring Bill payment falls on a non-business day, it will be processed the next business day.

It amends the amount for the next scheduled transaction only. Only this Bill Payment will be amended. Any other future-dated Bill Payments will be made in accordance with your original request. To change all future-dated Bill Payments, please delete this recurring payment and create a new request. You will need to go back into future dated transactions.

It cancels all future dated transactions.

Only checking accounts can be used for Bill Pay.

1. Click on left menu option within Move money section that is labeled 'Bank to Bank Transfers'.
2. Accept Speed bump – this allows you to enter the Bank to Bank Transfer function.
3. Input your amount.
4. Select account to transfer from.
5. Select account to transfer to.
6. Select Send on Date.
7. Press Continue and follow onscreen instructions.

1. Select 'Add a New Account' button.
2. Input required information on the screen. You will need the Routing Number and Account Number of the account you wish to add.
3. Follow the onscreen instructions.

You no longer need to use Global View to transfer money from your US account to your foreign account as you did in the past. In new Personal Internet Banking, if customers add their international account using Add or remove a country/territory link from the My RoyalPax Capital Bank menu, they can then use the Move money function to transfer funds from their US accounts to their foreign accounts. Transfers from the customer's domestic account to an international account could occur in either USD or foreign currency. Customers will still need to log on to their foreign account to do the reverse money transfer (i.e., transfers from their foreign account to their domestic US account).

On the 'My Banking' screen, select the account that you wish to make a payment from, and then 'Move money.'

If you have made a payment to this recipient before, select the appropriate account from 'My payees.' If this is the first time you've made a payment to this recipient, you will need to select "new payee." Please ensure that you have their name, address, bank code (ABA Fedwire routing number for domestic wire) and account number ready.

Once the payee has been set up, enter the payment amount and then follow the on-screen instructions to select when you would like the payment to occur.

No. You cannot send wire transfers (domestic or international) from certain types of account. These accounts will automatically be blocked from "To Account" list.

You will only be required to enter their Security Code when you set up a new wire payee (domestic or international) and send them a wire for the first time. After that, you can send wire payments to existing payees without entering a Security Code; logging in with their password is sufficient. Also, a Transaction Digital Signing (TDS) code has to entered, for additional security, during the wire payee set up process. This code is generated using a slightly different method than the security code used to log on and create the wire payee, so ensure you follow the online instructions carefully.

Please note that you will also be required to enter a security code when you need to add (or remove) a country in Global View (My RoyalPax Capital Bank tab > Add or remove a country/territory link).

What if I want to send a Wire transfer but I don't know the recipient's bank ABA Routing Number?

If you do not know the identifier of the bank, you can use the bank search tool built into the Wire transfer details screen to locate the routing number of the payee's bank. Otherwise, you will need to obtain that information from the payee.

Follow these simple steps to complete your Balance Transfer online:

1. Log on to Personal Internet Banking

2. Click on your RoyalPax Capital Bank Mastercard^® credit card qualified under this promotion

3. Click on "View Credit Card details"

4. Select "Balance Transfer" from the Services menu and input the information requested

5. Then click ‘Submit’

It may take 7-10 business days for Balance Transfer(s) requested via Personal Internet Banking to post. Please continue to pay other lenders, until you confirm the balance on that account has been paid.

Check(s) or Balance Transfer must post by the promo end date to qualify. We may still honor it if they post after that date, but you will not receive the Promotional APR. Instead, the standard variable APR for Balance Transfer in effect on the post date will apply.

Yes, you are required to make a minimum payment on your billed statement by the due date.

No, the Check(s) or Balance Transfers may not be used to make payments to any credit card or loans issued by RoyalPax Capital Bank , N.A. or any of our affiliates.

No, Transfer(s) from your RoyalPax Capital Bank Credit Card to deposit account requested via Personal Internet Banking or with Customer Relationship Center does not qualify under this promotion.

You may write the Check(s) or request a Balance Transfer for any amount, but the total amount including any Balance Transfer fees must be less than your available credit limit. Any other amounts outstanding on your account will accrue Interest Charges under the terms previously disclosed to you.

If you have EZ-Pay turned on to automatically pay your statement balance each month, you may want to log into your account on Personal Internet Banking to adjust your settings when taking advantage of this promotional offer.

No, credit card Check(s) and Balance Transfer(s) are not eligible for earning rewards.

Your account must be open, current and have sufficient credit available to take advantage of this promotional offer. If a Check or Balance Transfer amount exceeds the available credit, we may decline it.

If you take advantage of this promotional APR and continue to pay minimum payment plus non-promotional balances, including purchases, cash advance fees and finance charges by the due date, you will not lose your interest-free period (also called a grace period).

Typically, the address is available in the other lender’s billing statement. It is recommended to confirm this address with the other lender before requesting a Balance Transfer.

If a you submit an address change and select the "Use this address for all correspondence" tick box, the address change will apply to all of your accounts and will replace your old address.

If a you submit an address change and only select specific accounts (and have not selected 'Use this address for all correspondence'), the address change will apply at an account-level for only those accounts selected and will not replace the address overall. Further, this new address will NOT be displayed the next time you come back to that screen.

Please note that address changes will only be applied to your US accounts. You will need to log on to any international accounts and update their contact details there.

Yes. You can submit a request to stop any check (from the Account Details, select Manage > Stop Check), but if that check has been processed then you will not be able to stop the check.

Yes. You are able to get up to 16 (previously 24 months) months of transaction history for your checking and savings accounts and 12 months for credit card and select credit history.  You can also view and download the statement history for deposit products, credit cards, and select credit statements for up to 84 months (7 years).

You will not see your closed account on your My Banking page and you will not be able to request an eStatement for a closed account.

Yes. You now have the ability to perform an 'Instant Update' to your account nick names. From the 'Account Details' screen, under 'Account Name', there will be a link to 'Rename Account.' When selected, the 'Account name' field will become an editable field in which you can change the account name. If you clear out the name in the editable field, the account name will return to the default. You will no longer be able to have two accounts with the same nick name. If you try to change an account nick name to a name that already exists in your profile, they will receive the following error message: 'Entered nickname already exist, please try another.'

Yes. You can request a check image be sent to you. First, you need to search for a check using the Transactions History search function. Once the results are displayed, you need to click on the Check not listed button to open the Request a check copy screen. The check image will be sent to you via US mail. A fee may be associated with this request, please check your RoyalPax Capital Bank Account Terms and Conditions.

Yes. Some pages have a 'print' button, creating an easy to read printer-friendly version. Pages without a print button can be printed as well, but the formatting on the page may be less clear.

You can choose to download your transaction history from online banking in a CSV and Quicken^TM  OFX & QFX file format. These file formats can then be used with your chosen personal financial software tool such as Quicken, Microsoft Money or generic program such as Microsoft Excel.

You can access these documents through Personal Internet Banking. Just click by going to ‘My Documents’ found in the ‘Document’ section under the ‘My GTB’ header. 

• Tax documents are available for up to 5 years
• CD Advices and receipts are available for up to 7 years
• Wire and Global Transfer receipts are available for up to 2 years