Please fill out the Online Banking Application and drop off at your local Royal Bank Office, or stop in and fill out an Application at the Bank. You will then be sent your Royal Online ID and PIN in the mail.

The first time you logon to Royal Online Banking you will enter your Online ID and PIN that you received. You will then be prompted to change your Online PIN. After doing this, you will be able to view your accounts.

Royal Bank's Online Banking is FREE of charge.

This is the 12-digit number that was assigned to you by the Royal Bank. See below to change this number.

To change your Royal Online ID click on Options. Under the Personal tab, you will see what your current PIN, ID, and E-mail address are. To the left, type in what you would like to change and hit submit.

You can change the titles of your accounts on Online Banking. For example, if you have more than one savings account you can have them titled Vacation Fund and Mad Money instead of Savings and Savings 1. To accomplish this you click on Options, and then the Account tab. This will show you how your accounts are currently titled.

None of the bank's personnel will know, or have access to your PIN. Should you forget your PIN, please contact your local Royal Bank office to have it reset for you.

With Royal Bank's Online Banking, you can view account balances, transfer funds between your Royal Bank accounts, make your Royal Bank loan payments, and download your transaction history into money management software.

You can transfer funds between any of your Royal Bank accounts within the normal limits set for your account.

Transfers made before 2:00 p.m. will be credited that business day. Transfers made after 2:00 p.m. will be credited the following business day.

E-mail Us! Or call us at 1-800-873-1406.

Bill Payment is a service that allows you to have money sent from your checking account to almost anywhere. It is called Bill Payment because paying bills is the most popular use of this internet payment service. But you can even send money to your kids away at college, or send a gift of money to someone across the country.

You can set up the information about who you want paid once, and then never have to worry about taking the time to address an envelope, buy a stamp, or make a trip to the mailbox.

You must be a current Online Banking customer. If you're not, sign up now. We will then need a signed Bill Payment application from you. This can be dropped off at your local Royal Bank Office. Once we receive your signed application, your online account will be changed, and you will be able to begin using our Bill Payment service.

Bill Payment allows you to pay virtually any business or individual in the United States. The only types of payments that are not allowed are tax payments and court-ordered payments.

From the Bill Payment menu choose 'Add Payment'

In the drop-down menus, select the account from which the bill will be paid and the payee. Enter the dollar amount of the payment and any memo information (memo information is transmitted with Check Payments only). Choose the frequency of the payment. The default is set to One-Time Payment. For recurring payments, enter the expiration date of the payment and whether or not the amount is different for each payment.

When payment information is complete select Submit.

If your payment was sent electronically, it will show up on your statement on the date that you requested the payment to be taken along with a tracking number for the payment.

If your payment was sent my check, you will see if listed on your statement when the check clears. The check number will begin with the number you requested when you first set up your Bill Pay account.

Your payees will stay on Online Banking until you choose to delete them.

To remove a payee from your list click on the Payee Pay tab in your Bill Pay page in your Online Banking account. A list of all your Payees will appear. To the right of the Payee that you would like to remove click on Delete. This will then take you to a page to confirm your request. Once you have done this the Payee will be deleted from your Bill Pay account

Bill Payment Service is FREE!

You will see your payments scheduled to be paid as soon as you complete the New Scheduled Payment. The funds are taken out of your account on the date you requested the payment be initiated. You can expect your Payee, or recipient of the funds, to receive your payment approximately five (5) business days later.

On the Bill Payment page you will see any payments that are active. If you wish to delete an active payment click on the delete button to the right of the payment listed. This will then take you to a page to confirm your request. Once you have done this the payment will be deleted and will not be sent.

You may set up a payment request up to one year in advance of the date you would like the bank to begin initiating the payment. However, please allow at least five (5) business days before the due date for payments to be made.

After you initiate your payment instructions, the bank will begin processing the payment on the next business day. The funds will be withdrawn from your account and the transfer process will begin. Because most vendors will need to have a check mailed to them, you can expect your Payee to receive your funds by the fifth business day after you initiated the payment.

Some vendors take longer to process payments that do not use the return envelope or remittance stub they provided with their bill. In these situations you will need to initiate your payment earlier to ensure a timely payment. These payees may require an extra seven (7) business days or more to process these payments. We suggest you read your account agreements provided by your vendors or contact them for details to determine your payment initiation date.

The available balance in your checking account will automatically be checked before a payment is sent. The payment will not be sent until there is enough money in your account. If there are not available funds on the first business day, we will send notice of bill(s) not yet paid. If the bill has still not been paid on the third day, we will notify you that the bill will not be paid. To ensure your payment does not arrive late, it is important that the funds be available on the payment date. The only record of whether your payment was sent as scheduled will be your current account statement. You are responsible for verifying the payment was completed as instructed. For more information, refer to your Bill Payment Agreement.

1. Log in to Online Banking
2. Click on Transactions in the drop down menu for your checking account. This will show you your current activity on your account.
3. Click on the check number for the check that you would like to view, and this will bring up an image of the check.

Checks should be able to be viewed on Online Banking the following business day.

Check images will remain on Online Banking for six (6) months.

Right-click on the check image and choose Print Picture.

You can enroll to receive your bank account statements online. It is an exact replica of a paper statement, except that it is available online. You will receive an e-mail when your statement is ready to view online. When you enroll in e-statements, you will no longer receive statements in the mail.

You need to be enrolled in Royal Online banking in order to receive e-statements. If you're not a current Online Banking customer, sign up now.

Once signed up for Online Banking you simply enroll online! The steps to enroll are very simple and are outlined below:

• Log into On-line Banking
• Choose Options and then E-Statements
• Follow the screen prompts to confirm your email address.
• Select the account(s) for which you'd like to receive an e-mail alert when your statement is available for viewing.
• You will receive a confirmation e-mail (usually arrives within a few moments following enrollment). You must respond to this e-mail as indicated in order to confirm your e-mail address.
• At this point the enrollment process is complete and you will receive an e-mail alerting you each time your statement is available online.

Yes. Only one account from the combined statement needs to be listed. If you receive more than one statement, then each account number would also have to be enrolled. You must be an account owner to receive these statements.

Yes.

You will receive an e-mail from the Royal Bank informing you that you have a New E-Statement ready for you to view. There will be a link that you can click on that will take you to the login screen for Online Banking. Once you enter your ID and PIN you will be able to view or print your E-Statement

Statements will be available for you to view, print or save for at least 90 days after they are made available to you. In most instances, though, they will be available for up to 6 months.

To add a payee click the Payee Tab, then click 'Add Payee' on the right hand side of the screen.

Enter the name of the payee that you wish to add along with the state that the payment is mailed to. A list of possible payees will appear. If your payee is among those listed click on the name. This payment will be sent electronically. If a list does not appear or your payee is not listed, click 'None of the results above are my payee' and your payment will be sent by check.

The next screen will ask for some information regarding the payment including your account number with the payee, and the address and phone number of the payee. Fill in all fields and click submit.

Your payee should now be included on your list of payees.

Yes. Use the print button available on your browser. This printer-friendly version will look exactly like the statement you had been receiving in the mail.

Your statement will be available online at least 90 days after they are made available to you. In most cases you will have access to one year worth of statements online.

The Multifactor Authentication Solution provides you added safety by helping ensure that only you can access your bank account. This subtle but important change to the online banking site will require you to complete one simple step--you will be prompted to select specific challenge questions from a list and enter personalized answers that only you should know.

Multifactor Authentication is an enhanced security feature that helps protect you and your online account. On the Internet today, fraudsters attempt to steal your identity personating the Websites you trust. We are committed to proactively protecting our customers against such attacks. Multifactor Authentication helps us do this.

When you visit your branch office, you know our faces and we know yours. Multifactor Authentication does the same thing over the Internet. It is a new method to identify us to you and you to us.

We also check the computer(s) or device(s) that you are using to access the Website. Typically you will access the Website from one or two computers, such as your work and home machine. Multifactor Authentication remembers your computer. Should you need to log in from a different computer, such as an Internet cafe, we will take additional steps to verify your identity, such as ask you to provide the answer to secret questions we both know the answers to.

Multifactor Authentication remembers your computer by assigning a unique identifier to each computer you use to access our Website using standard secure cookies. The cookie is used to store the identification information only. No personal or private data is stored in any way.

Multifactor Authentication protects you from accidentally revealing your username and password to a fake site. In addition, if someone does somehow get your username and password, he will still not be able to access your account because he is not at your registered computer.

We ask you a secret question when we detect that you are trying to log in from a new computer. This is to prevent someone with stolen passwords from logging into your account. Since only you know the answer to the questions, we will know it's really you. Generally you will be asked to answer a secret question only when you log in for the first time from a new computer. After you answer the question, you will be asked whether we should remember this computer for future log ins. If you are using a personal computer, you should answer yes. If you are using a public terminal, you will want to answer no.

Yes, you can still access your bank account from any number of computers. If you log in from a new computer or a public terminal, you will just need to go through one extra step of answering a secret question. This helps protect you by keeping unauthorized people from accessing your valuable information. There is no limit to how many different computers you can use to log in to your bank account.

Yes, you can both use the same computer to log in to your individual bank accounts. There is no limit to how many people can log in into the bank Website from the same computer.

When someone tries to log in using your stolen user name and password, we will recognize that they are logging in from a different computer, and ask them a secret question. Since only you know the answers to your secret questions, they will not be able to give a correct answer. They will not be able to log in.

Recently there have been attempts by fraudsters to trick people into revealing their personal information, such as passwords, by creating fake Websites that look very much like the sites of the legitimate financial institutions. They send out e-mails randomly with links to these fake Websites. This phenomenon has been called Phishing (pronounced fishing).

Some fraudsters have been putting programs on random computers in order to harvest your online ID and PIN information used to log in to Websites. They collect this information and secretly transmit it to their own computers and attempt to log in to your site. These are called Trojans (short for Trojan Horse) or Key Loggers (for logging your keystrokes).