SECURE ONLINE BANKING

Villanova Branch Grand Opening

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*To qualify for Kindle HD 7”, open a new personal checking account with an opening deposit from funds not currently on deposit at Royal Bank America of $500 or more before 03/01/14 and make two (2) qualified direct deposits of at least $200 each within 60 days of account opening. ^To qualify for Kindle HD 7”, Open a new Relationship Money Market Account before 03/01/14 with an opening deposit of funds not currently on deposit at Royal Bank America of at least $20,000 or an opening deposit of funds not currently on deposit of $2,500 or more and make two (2) qualified direct deposits of at least $200 each within 60 days of account opening. 0.75% APY guaranteed through May 1, 2014. Account utilizes tiered interest rates and after May 1, 2014 rates can change at any time. If average balance falls below $2,500, a $25.00 per month fee and a $0.95 per ATM/POS withdrawal applies. Fees may reduce earnings. By law, only six non-cash withdrawal transactions are permitted per statement cycle. A $5 fee per occurrence will be levied for transactions over limit. Accounts that consistently exceed limits will automatically and permanently revert to non-interest bearing accounts. •Bonus will be provided upon account opening. Qualified direct deposits are limited to payroll, Social Security, pension, and government benefits. The cost of the gift ($139.00) is considered a bonus that can be revoked if a qualified direct deposit is not initiated and/or the account is closed within six months of opening. This offer is only available to individuals who reside in Royal Bank America’s market area and who do not already have a money market or personal checking account at Royal Bank America. One offer per household. Employees of Royal Bank America and its affiliates are not eligible for this offer. Amazon® and Kindle® name and images are property of Amazon®, who is not a sponsor of this promotion. We reserve the right to substitute gifts offered at any time with an item of similar value. Bonus is reportable as interest on a 1099-INT.

 

**Rate as shown for lines of $100,000-$250,000 represents Annual Percentage Rate (APR) of Wall Street Journal prime minus 0.51% APR with automatic payment (direct debit) from a Royal Bank America (RBA) checking account. APR is a variable rate and is subject to change and is based on Wall Street Journal prime (3.25% as of 01/06/14). Minimum APR is 2%. Maximum APR is 18%. No annual/closing fees apply. #Other Rates and Terms Available. Please visit royalbankamerica.com or one of our convenient branches to speak with a bank representative. Home Equity Lines of Credit rates are 1.00% higher and Home Equity Loans rates are 0.50% higher without direct debit. Interest rates and annual percentage rates are subject to change and are accurate as of January 25, 2014. No application fee. A late charge of 5% of the past due payment will be assessed if your payment is past due. All loans are subject to credit approval by RBA. Maximum loan to value (LTV) is 75%. Property insurance is required. You may not use this home equity loan/ line for commercial purposes. NMLS 883925.

 

***Rate as shown Annual Percentage Yield (APY) with minimum opening deposit of $1000. Penalty for early withdrawal. Rate valid as of January 22, 2014. Other rates and terms available. Offer exclusively available at Villanova location.