Tailored services for your needs

Personal Banking You Can Rely On

Everyday banking made easy, with tools that fit your routine.

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All your banking tools, on the go

Mobile Banking Services

Bank on the go with secure mobile access to your accounts.

Do the following with just a few taps:

  • Monitor activity, view statements, and transfer between accounts 
  • Set up Bill Pay online, manage payments in the app
  • Use Zelle® to send and receive money securely
  • Deposit checks electronically straight from your phone

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App Store is a service mark of Apple Inc. Apple, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Message and data rates may apply. Please consult your mobile carrier for details.

Terms and Conditions apply.

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Make everyday spending easier

Personal Credit Cards

Choosing the right credit card is easier than ever.

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you’ll enjoy important features like:

  • Convenient and flexible purchasing power. Accepted at millions of locations worldwide.
  • Mobile Purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Visa®: The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa® U.S.A. Inc.

Mastercard®: The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

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Send and receive money

Zelle®

We’ve partnered with Zelle® to make it easy, safe, and fast to send and receive money with people you know and trust2.
 
Features include: 

  • Fast: Send money in minutes, right from your bank account¹.
  • Safe: Use Bill Pay or our mobile app to send and receive money with confidence²,³.
  • Free: Zelle® is free to use in our online or mobile banking app⁴.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2Must have a bank account in the U.S. to use Zelle.

³In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. 

⁴ Message and data rates may apply. Please consult your mobile carrier for details.

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Secure your savings with trusted banks

FDIC Deposit Protection

When you place a large deposit with Royal Business Bank, we use the CDARS1,2 or ICS2 network to spread your funds across member banks in amounts below the FDIC limit, so your full balance stays insured.

  • CDARS – CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE: With CDARS, you work only with us. That means you earn one rate, get one statement, and receive a single tax form at year-end.
  • ICS* – INSURED CASH SWEEP: With ICS, your large deposit is placed into demand deposit or money market accounts across FDIC-insured member banks, offering you expanded deposit insurance coverage, peace of mind, and flexible access to your funds.

*Up to $150,000,000 of FDIC Insurance. 
¹CDARs’ early withdrawals before maturity are subject to a penalty.

²There may be a limit for maximum deposit or combined deposit, please contact our branches for more inquiries. 

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More ways to manage your money

Other Personal Banking Services

Our personal banking services are here to make managing your money easier, safer, and a lot more convenient.

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Whether you’re shopping in person, online, over the phone, or through an app, use your RBB Debit Card anywhere VISA®  or Mastercard® is accepted.

Use your debit card to:

  • Enjoy quick, secure checkouts with chip-enabled protection
  • Access your money anytime with surcharge-free ATM withdrawals at Royal Business Bank ATMs, AllPoint Network® locations, and Citibank® ATMs across the U.S.
  • Set spending limits, get real-time alerts, and keep your card secure with customizable settings

Message and data rates may apply. Please consult your mobile carrier for details.

  • Terms, conditions and fees for accounts, products and services are subject to change. Offer does not apply to use of Citibank-branded ATMs located at third party merchants and other locations. Regular account charges apply to transactions performed at Citibank branch ATMs.
  • ©2022 Citibank, N.A. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

Get easy access to your money anytime through an Automated Teller Machine.

Use it for free at any Royal Business Bank ATM, plus thousands of ATMs in the AllPoint Network® and at Citibank® locations across the United States.

  • Terms, conditions and fees for accounts, products and services are subject to change. Offer does not apply to use of Citibank-branded ATMs located at third party merchants and other locations. Regular account charges apply to transactions performed at Citibank branch ATMs.
  • ©2022 Citibank, N.A. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

Keep your valuables safe, private, and protected from fire, flood, or theft with a Royal Business Bank safe deposit box, available for a minimal annual rental fee.

Access is available during branch hours.

With direct deposit, there’s no waiting for the mail or worrying about lost checks. Your money goes straight into your account, so you can access it faster and save time.

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