Bank on Your Terms

Banking That Moves at Your Speed

Bank smarter with flexible loans, secure systems, and expert relationships you can trust. 

Start today:

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Let’s Get Personal
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Grow Your Business
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Merchant Service with Clover
Merchant Service With Clover®

Power your business with fast, secure merchant services through our trusted Clover® partnership.

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Asset Utilization Mortgage Loans

Buy your new home or refinance your existing mortgage with our AU mortgage loan. No income documentation needed.

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Construction Loans

Fund your residential or commercial construction project with the guidance of our loan specialists.

Explore Our Lending Solutions

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Commercial Lending

Access flexible loan solutions that give your business the capital, stability, and momentum to reach its next stage of growth.

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Residential Lending

Open the door to your dream home or investment property with personalized loan options built around your financial journey.

Explore Our Banking Solutions

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Personal Banking

From short-term needs to long-term goals, grow your money with personal banking that fits your pace.

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Business Banking

Flexible banking solutions to help you manage cash flow and support your business’s financial needs.

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Business Services

Tools to manage cash flow, payments, international business and merchant operations.

Why Choose Royal Business Bank?

Built for Speed, Backed by Real Relationships

Big-bank products with the decisiveness and trust of a community institution.

  • Speed that Matters
    We provide responsive, flexible banking services that adapt to your timeline.
  • Built For You
    Personalized solutions across lending, deposits, and banking services.
  • Real Relationships
    Partner with our experts who understand your financial goals and know how to get you there.
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Get More When You Bank on Us

See how our latest offers and featured products can help you get more from Royal Business Bank.

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High Yield Market Competitive CDs

Designed to help your money grow over a set time.

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Business Checking – Account Analysis

Use your earnings credit rate (ECR) to offset business costs including wire fees, select third party costs, and more.

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Cash out Refinance Home Loan

Unlock the equity in your home to invest in new opportunities, upgrade your kitchen, or cash out with ease.

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Clover®

Transform your business payments.

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Credit Cards

Whether you prefer cash back or travel rewards, we have the right card for you.

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Trusted by Business Owners and Families

“RBB has been a trusted financial partner of our family. From my parents to my siblings, we’ve built a long-term relationship with RBB.”

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“RBB has been a trusted financial partner of our family. From my parents to my siblings, we’ve built a long-term relationship with RBB. We rely on RBB for personal and business banking. Their courteous and friendly staff make every visit feel personal, and their services have supported everything from personal banking to commercial loans. With over 10 business accounts and multiple loans, we continue to grow with RBB’s unwavering support. It’s more than a bank—it’s part of our family legacy.”

Billy C.
Illinois customer
Billy C.
Illinois customer

“Getting a home loan through Royal Business Bank was one of the best decisions I’ve made.”

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“Getting a home loan through Royal Business Bank was one of the best decisions I’ve made. The process was clear, the team was highly efficient, and I felt supported at every stage. Their personalized service and professionalism truly set them apart. I never imagined that buying a home could be this smooth and stress-free.”

J. H.
New York customer
J. H.
New York customer

“Opening my personal account with RBB in 2016 and my business account in 2020 was one of the best financial decisions I’ve made.”

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“Opening my personal account with RBB in 2016 and my business account in 2020 was one of the best financial decisions I’ve made. The staff is always friendly and goes above and beyond—when my store was burglarized, a banker immediately helped me secure my account and transition all my transactions smoothly. The staff know me by name and truly understand my needs, which makes banking feel personal. Whether it’s setting up online bill pay or getting competitive CD rates, their support is always efficient. I feel confident knowing my finances are in good hands with RBB.”

X. J.
Nevada customer
X. J.
Nevada customer

“Since joining RBB in 2021, I’ve found it to be the most supportive and customer-focused bank I’ve worked with.”

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“Since joining RBB in 2021, I’ve found it to be the most supportive and customer-focused bank I’ve worked with. As a small business owner, I truly value their personalized service, fast decision-making, and access to real banking professionals. When I had a mobile banking issue, their team resolved it quickly and followed up to ensure everything was working smoothly. They also made my first-time homebuyer experience seamless, guiding me through every step with care. RBB is supportive, local, and trustworthy—everything a small business owner needs in a banking partner.”

W. C.
New York Business Owner
W. C.
New York Business Owner

“When I opened my first business account, I had no English skills, no local connections, and little knowledge of the financial system—but Royal Business Bank made me feel supported from day one.”

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“When I opened my first business account, I had no English skills, no local connections, and little knowledge of the financial system—but Royal Business Bank made me feel supported from day one. The staff was patient, respectful, and often communicated in Chinese, which gave me the confidence I needed. They’ve helped me from daily banking to structuring a commercial loan that fits my business goals. Over the years, their dependable, thoughtful service has helped me manage capital, pursue new development opportunities, and grow my business sustainably. RBB has been more than a bank—they’ve been a true partner in my business journey.”

Lisa Ye
New York Business Owner
Lisa Ye
New York Business Owner

“I’ve been with RBB since 2016, and what stands out most is their one-on-one service.”

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“I’ve been with RBB since 2016, and what stands out most is their one-on-one service. I once received a call from RBB to verify a check I wrote, which showed me how seriously they take fraud prevention—that moment convinced me to move all my business accounts to them. Since then, every experience, from deposits to wire transfers, has been smooth and pleasant. I now use personal and business checking, loans, and CD accounts for my children. RBB is reliable, helpful, and friendly.”

Sophia Z.
New York customer
Sophia Z.
New York customer

“We’ve been banking with Royal Business Bank for over 8 years, and their business team consistently delivers prompt and professional service.”

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“We’ve been banking with Royal Business Bank for over 8 years, and their business team consistently delivers prompt and professional service. They truly understand the unique needs of our company and offer proactive and attentive support. When we needed a business loan to support our cash flow, the team quickly grasped our plan and helped us complete the process smoothly. RBB has been a reliable partner for our business checking, loans, and credit needs.”

K. H.
California Business Owner
K. H.
California Business Owner

“I’ve been banking with Royal Business Bank for over 10 years, and the customer service has always been exceptional.”

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“I’ve been banking with Royal Business Bank for over 10 years, and the customer service has always been exceptional. The staff knows me and my family by name, and everything is handled quickly and professionally every time we visit. It’s rare to find a bank where the people are so reliable, prompt, and genuinely care about their customers. I currently have a Business Checking Account, Personal Savings, and a CD—and I wouldn’t bank anywhere else.”

J.J.
California customer
J.J.
California customer