Terms and conditions

 

You are currently viewing a page of Royal Business Bank web site or a related web site (the “Site”) belonging to Royal Business Bank. This Site and any of the services provided by Royal Business Bank in connection with this Site (the “Services”) are being provided to you expressly subject to these Terms of Use. Please read these Terms of Use carefully. By accessing this Site you agree to be bound by these Terms of Use. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE FROM TIME TO TIME WITHOUT NOTICE.


Governing Law

Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of California.

 

Copyrights/Trademarks

All the text, design, code, pages, screens, information and material included in this site are owned and controlled by Royal Business Bank, unless otherwise expressly stated. The materials displayed on the Site are protected by U.S. and international copyright law and treaties. You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You do not acquire any ownership rights by downloading copyrighted material. Without Royal Business Bank’s prior express written permission, none of the information on the Site may be used, distributed, or reproduced for commercial or public purposes.

 

Links /No Warranty or Endorsement

The site may contain links to Web sites controlled or offered by third parties (non-affiliates of Royal Business Bank). Royal Business Bank hereby disclaims any liability for any other company’s Web site content, products, privacy policies, or security. In the event you choose to link to a third party web site and use the services available at that web site, Royal Business Bank does not endorse, recommend or approve any product or service contained at that web site. You agree to read and adhere to the policies and terms of use applicable to that web site. Your participation in any third party web site, including payment for the delivery of goods or services, is based solely on the agreement, if any, between you and that web site provider. The third party web site may have a privacy policy different from that of Royal Business Bank and the third party web site may provide less security than the web site of Royal Business Bank.

 

Disclaimer/Limitation of Warranty or Liability

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. NEITHER BANK NOR ITS SERVICE PROVIDERS MAKE ANY WARRANTY, EXPRESS OR IMPLIED REGARDING THIS SITE, ITS CONTENT, THE SERVICES, THE GOODS OR SERVICES ADVERTISED BY THIRD PARTIES VIA THIS SITE OR LINKED SITES, OR THE SUBJECT MATTER OF THIS AGREEMENT. ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE EXPRESSLY DISCLAIMED TO THE GREATEST EXTENT PERMITTED BY LAW. WE ASSUME NO RESPONSIBILITY FOR THE UNAVAILABILITY OF THIS SITE, FOR VIRUSES CREATED BY THIRD PARTIES, OR FOR INFORMATION PROVIDED BY THIRD PARTIES. NO CONTENT AVAILABLE AT OR THROUGH THE SITE SHALL CREATE ANY WARRANTY.

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT ROYAL BUSINESS BANK IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ROYAL BUSINESS BANK WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM, EVEN IF ROYAL BUSINESS BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

 

Changes or Modification

Royal Business Bank reserves the right to change or modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking the link at the bottom of the Site. You continue use of the Site or services after such notice will be evidence of your agreement to the changes and you agree to be bounded by the rules contained in the most recent version of these Terms. Royal Business Bank reserves the right to terminate your access to the Services and Site, in whole or in part, at any time.

 

Privacy

We understand the need to safeguard your information and records from unauthorized use and disclosure. Please see the Royal Business Bank Privacy policy.

 

Indemnification

You agree to indemnify and hold harmless Royal Business Bank, it officers, directors, employees, agents and suppliers from any claim, demand, action or damage, including reasonable attorney’s fee, made or incurred by any third party arising out of or related to your use of the Site, any content you transmit via the Site or your violation of the Site terms.

 

Severability/Waiver

If any provision in these Terms is found to be invalid or unenforceable, the remainder of these Terms will continue in effect. Any waiver of these Terms must be in writing to be valid. A waiver of any provision contained in theses Terms shall not be deemed as a waiver of any other right, term or provision of these Terms.

 

Fraud Prevention

Identity Theft

Despite your best efforts to manage the flow of your personal information or to keep it to yourself, the skilled identity thief can get your personal information by many means, both technology based and people based, including:

  • Stealing your purse or wallet
  • Pilfering information from your mail box such as bank statements and pre-approved credit card applications
  • Stealing your Driver's License number or Social Security number if you imprinted them on your personal checks.
  • Observing your transactions at automated teller machines or store check-out terminals to capture your personal identification number (PIN)
  • Going through trash for credit card receipts or loan applications

 Here are a few simple steps to always keep in mind:

  • Do not share your User ID or Passcode with anyone. Royal Business Bank (RBB) employees will never need to know your Passcode and you should never furnish it to anyone claiming to represent RBB. (Please note: If you call RBB, we may ask for your User ID as verification.)
  • Never disclose personal information to anyone who should not have access to your accounts. This would include information such as your Social Security number, credit card numbers, bank account numbers or any personal identification numbers (PIN). (Please note: If you call RBB, we may ask for your Social Security Number as verification.)
  • Do not print your driver’s license number or Social Security number on personal checks.
  • Report lost or stolen checks or bank cards immediately.
  • Store new and cancelled checks in a secure location.
  • Memorize your personal identification number. And, whenever you select your own PIN, never use information that could be readily found in your wallet or purse, such as your house number or date of birth.
  • Online banking is a great resource for monitoring your accounts. You have direct access to your accounts and transactions 24 hours a day with any Internet connection.
  • Review monthly financial statements promptly and report any discrepancies immediately. Never ignore suspicious charges on your statements. If doubtful or unauthorized charges appear on your bills or statements, call immediately to resolve the discrepancy.
  • If regular bills or statements stop coming to you, take action. Call the company's customer service number. Someone may have filed a false change-of-address notice to divert your mail.
  • Retain all receipts from ATM, debit and credit card transactions until they have been reconciled to your statements. When you’re ready to dispose of them, make sure your account number is not readable.
  • Be sure to sign new bankcards immediately.
  • Do not carry, on a routine basis, important documents you do not need on a daily basis, such as your Social Security card, passport or birth certificate. If lost or stolen, an identity thief could use them. Carry them only as needed.
  • Destroy cards you no longer use, making sure the numbers are not recognizable.
  • Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers.
  • Question emails or phone inquiries that appear to be suspicious. Unless you initiated the contact, RBB Bank will not request your personal information (e.g., account number, Social Security number or mother's maiden name) through email, U.S. mail or by phone. Please notify us immediately if you receive unusual calls or emails claiming to be from Royal Business Bank. Be especially wary of those requesting account information to "award a prize" or "verify a statement." Report unusual inquiries or other suspicious activity to your telephone company, Royal Business Bank or local law enforcement authorities. If you are unsure of any email correspondence, call RBB at 1-888-616-8188. (Please note: We occasionally use third parties to perform surveys via email. We will never ask for personal information.)
  • Never provide your financial information to an unfamiliar website. RBB will never request such an action. 

To learn more about identity theft, please visit: http://www.fdic.gov/consumers/consumer/alerts/theft.html

 

Phishing / Email Fraud

On the Web, there are new types of criminals called "phishers". These people may send very realistic e-mails pretending to be from your bank or some other organization you trust.

Webopedia defines "phishing" as the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.

The email directs the user to visit a Web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has.

The Web site however, is bogus and set up only to steal the user’s information. Because it is relatively simple to make a Web site look like a legitimate organizations site by mimicking the HTML code, the scam counts on people being tricked into thinking they were actually being contacted by a legitimate company and are subsequently going to a bogus site to update their account information.

By spamming large groups of people, the "phisher" counts on the e-mail being read by a percentage of people who actually have listed credit card numbers with the company they are portraying.

The best way to protect yourself from this type of scam is to never give out personal information by email or phone if you have not initiated the request.

 

How Do I Protect Myself?

Never provide your personal information in response to an unsolicited request.

  • If you believe the contact may legitimate, contact them yourself.
  • Never provide your password over the phone or in response to unsolicited internet request.
  • Never reply to an email that ask for personal information and tells you to access the link provided in the email.
  • Change your password frequently. It is recommended that you change your password at least every 60 days.
  • Watch out for emails that say “urgent” or “time sensitive”. This is generally a scam for your financial information.
  • Review account statement regularly to ensure all charges are correct and make sure that they are arriving in a timely manner.
  • Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the Internet, if you did not initiate the contact.
  • Never click on the link provided in an email you believe is fraudulent. It may contain a virus that can contaminate your computer.

 

What Do I Do If I Think I Am a Victim?

You should report all suspicious emails to the Federal Trade Commission through the internet at http://www.consumer.ftc.gov, or by calling 1-877-ID Theft or you can visit the following websites to get more information:

 

Where Do Customers Go For Help?

If a customer suspects they have given information to a phishers, it is important for them to act immediately. For information on how a customer can put a "fraud alert" on their files at the credit reporting bureaus, and for other advice for ID theft victims, contact the Federal Trade Commission’s ID Theft Clearinghouse at: http://www.consumer.gov/idtheft or call 1-877-438-4338.

Report any phishing ATTEMPTS by contacting the National Fraud Information Center/Internet Fraud Watch. Alert the company the phisher was impersonating, and their local law enforcement agency. http://www.fraud.org/

 

Online and Computer Security Tips

Before you surf the web, you should follow the following steps to ensure the computer’s security:

  • Use an Internet firewall-Firewalls provide additional protection for you home computer. Many operating systems come with firewall protection.
  • Update your computer-If your computer is older than five years, its operating system may not offer the same level of protection as newer systems.
  • Use up-to-date antivirus software-Virus protection software helps to reduce the risk of contracting computer viruses that can compromise your computer and personal security while online.
  • Use up-to-date antispyware software- Spyware software monitors or controls your computer use, it may be used to send you pop-up ads, redirect your computer to websites, monitor your Internet surfing, or record your keystrokes, which, in turn, could lead to the theft of your personal information.
  • Use a current web browser-We continually upgrades our online services to providing you with the most secure online services. If you have problems accessing our online banking services, you may need to upgrade you browser.
  • Use secure websites-Make sure the web page you are viewing offers encryption of your data. If you see a lock symbol in the lower right-hand corner of your browser window, or if the web address of the page you are viewing begins with https://, this indicates that web page is secure and uses encryption. We provide 128-bit encryption, the highest level available today.
  • Use stronger password-Your passwords are the keys you use to access personal information that you’ve stored on your computer and in your online accounts. To an attacker, a strong password should appear to be a random string of characters. A strong password should be lengthy, combine numbers, letters and symbols.
  • Disconnect the Internet-If you're not using your computer for an extended period, disconnect it from the Internet. When it's disconnected, the computer doesn't send or receive information from the Internet and isn't vulnerable to hackers.
  • Don’t download program from file-sharing-File-sharing can give people access to a wealth of information, you download special software that connects your computer to an informal network of other computers running the same software. Millions of users could be connected to each other through this software at one time. Often, the software is free and easy to access.

Computer Criminals-The FBI needs to hear from you: http://www.ic3.gov/.

Internet Fraud-If a scammer takes advantage of you through an Internet auction, when you're shopping online, or in any other way, report it to the Federal Trade Commission at: https://www.ftc.gov/.

Deceptive Spam-If you get deceptive spam, including email phishing for your information, forward it to spam@uce.gov. You also may report phishing email to reportphishing@antiphishing.org.

Divulged Personal Information- If you believe you have mistakenly given your personal information to a fraudster, file a complaint at https://www.ftc.gov/, and then visit the Federal Trade Commission's Identity Theft website at https://www.identitytheft.gov/.

 

ATM Card Security Tips

  • Treat your ATM card like cash. Always keep your card in a safe place. It's a good idea to store your card in a card sleeve. The sleeve protects the card's magnetic stripe and helps ensure the card functions properly.
  • Keep your "secret code" a secret! Your ATM card will only work with your Personal Identification Number (" PIN"). Memorize your code. Never write it on your card or keep it with your card. Never tell your code to anyone. And never let someone else enter your code for you.
  • Take your ATM receipt with you. Do not leave it at or near the ATM.
  • Do not give out any information about your ATM card over the telephone. No one needs to know your PIN; not even your financial institution.
  • Report a lost or stolen card at once. Promptly report a lost or stolen card to reduce the chance that it will be used improperly. You will be issued another card.
  • Check your receipts against your monthly statement to guard against ATM fraud. You get a receipt every time you make an ATM transaction. Verify each transaction by checking the receipts against your monthly account statements.
  • Always observe your surroundings before conducting an ATM transaction. If you are driving to an ATM, park as close as possible to the terminal. Observe the entire area from the safety of your car before getting out. If you see anyone that appears to be suspicious, leave the area at once.
  • If an ATM is obstructed from view or poorly lit, go to another ATM. Report the problem to the financial institution that operates the ATM.
  • When possible, take a companion along when using an ATM, especially at night.
  • Minimize time spent at the ATM by having your card out and ready to use. If the ATM is in use, give the person using the terminal the same privacy you expect. Allow them to move away from the ATM before you approach the terminal.
  • Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount. Once you have completed your transaction, take your money, card, and receipt, and immediately move away from the terminal.
  • If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
  • If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lit area, and call the police.

If you suspect unauthorized use of your Card or to report your Card lost or stolen, immediately visit your Royal Business Bank branch of account during lobby hours or call us at 1-213-627-9888 during regular business hours, which are Monday through Thursday, 9:00AM to 4:30PM and Friday 9:00AM to 5:00PM. To report unauthorized use of your Card or to report your Card lost or stolen AFTER BUSINESS HOURS, please call our Fraud Prevention Center at 1-800-554-8969.

 

Credit/Debit Card and Bank Account Security Tips

  • Report lost or stolen cards and checks immediately.
  • Check your account activity online or telephonically frequently and report any discrepancies or suspicious charges immediately.
  • Review account statement carefully. Regular account review helps you to quickly detect and stop fraudulent activity.
  • With Royal Business Bank online banking you can monitor your account activities any time.
  • Don’t imprint or write down your driver’s license number or Social Security number on your checks.
  • Always keep your credit/debit card, new and cancelled checks in a safe and secure place.
  • Use tamper-resistant checks. Royal Business Bank includes many safety features to deter alterations.
  • Do not give out your card number over the phone unless you initiated the call.
  • Cancel and cut up unused credit and other cards.
  • Ensure no one sees your PIN when you enter it.
  • When selecting a Personal Identification Number (PIN) don’t use any number or word that appears in your wallet (such as name, birth date, or phone number).
  • When conducting online purchases, make sure the site is secured with encryption to protect your account information.
  • Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
  • Shop with merchants you know and trust.
  • Always log off from any website after a purchase transaction made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.
  • Safe-keep or securely dispose of your transaction and ATM receipts.

 

Cyber Security Tips for Small Business

•Businesses need a cybersecurity strategy to protect their own business, their customers, and their data from growing cybersecurity threats. Visit FCC for a Cybersecurity Tip Sheet which outlines the top 10 ways entrepreneurs can protect their companies - and customers - from cyber attack: https://apps.fcc.gov/edocs_public/attachmatch/DOC-306595A1.pdf

Go To Top

Personalization Settings

x

Welcome

Pacific Global Bank would like to personalize your banking experience. Please enter your first name below..

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind me again.