Personal Cheque Account
Your everyday account with flexible ways to pay.
If you make frequent transactions and want flexible payment options, the J Trust Royal Personal Cheque Account could be ideal for you.
Features & benefits
Cheque book access
Make large payments to anyone in Cambodia at your convenience – whether using your cheque book or our digital banking tools.
Multiple account holders
Does more than one person require access to your account? With a Personal Cheque Account you can all enjoy all the access you need.
Convenient and secure spending
Enjoy access to the global Visa network with your J Trust Royal Classic Visa Debit Card and use your own money to make secure purchases locally, internationally, online, and over the phone. You also have access to over 2 million ATMs worldwide, including our network of free J Trust Royal ATMs across Cambodia.
Flexibility to suit your needs
Choose whether you want your account in USD or KHR and enjoy unlimited, secure transactions wherever you go. Your J Trust Royal Visa Debit Card default daily spending and withdrawal limits can be adjusted with prior agreement from J Trust Royal, if you’re eligible and you have the available funds in your account.
Improved Internet and Mobile Banking
Our new digital banking tools make it easier than ever to manage your money, giving you full control of your finances 24/7.
| Personal Cheque Account | |
|---|---|
| Free mobile banking | • |
| Free internet banking | • |
| Visa Debit Card with international access | • |
| Unlimited J Trust Royal transactions | • |
| ATM access across Cambodia | • |
| Free local money transfers to other J Trust Royal customers | • |
| Free bill payments via J Trust Royal ATMs | • |
| Free set-up of automated payments | • |
| Choice of KHR or USD account | • |
| Access to a cheque book to make large payments at your convenience | • |
| Joint account holders | • |
Before you apply
Please familiarise yourself with the account opening process and the fees, terms and conditions.
Personal Cheque Account opening process
| STEP 1 | Visit your nearest J Trust Royal branch and talk to one of our friendly Personal Bankers. |
| STEP 2 | Complete a J Trust Royal account opening application form in the branch. |
| STEP 3 | Provide a minimum US$1,000 initial deposit. (And maintain a minimum ongoing balance of US$500.) |
| STEP 4 | Show valid identification: your national identity card or passport.* |
| STEP 5 | Later, you simply collect your Visa Debit Card from the branch where the account was opened. |
*Non-Cambodian citizens must show further identification: passport with a visa valid for at least six months.
Personal Cheque Account fees, terms and conditions
For an average balance of less than US$500 | US$3 per month |
For an average balance between US$500-$5,000 | US$1 per month |
For an average balance of and over US$5,000 | FREE |
Early Closure Fee | USD 20 or KHR 80,000 |
Terms and conditions | Available here |
Write to Us
Send your enquiry to us by completing a simple online form.
Security Matters
At J Trust Royal Bank we are serious about security
All our J Trust Royal Visa Debit Cards have an embedded Enhanced EMV-Dynamic Data Authentication Smart Chip that offers a global standard of security.
We have continuous fraud monitoring systems in place to identify any suspicious activity and help prevent unauthorised transactions. Please keep your contact information with us up-to-date so that we can reach you quickly if suspicious activity is detected.
Our digital banking tools, while simple to use, also incorporate a range of security measures. We manage a security network, use applications from approved vendors with secure coding practices, and conduct regular penetration testing through a third party security firm to protect customers against malware.
Customer Care Centre: +855 (0) 23 999 000
Call us immediately to report lost, stolen or misplaced cards or compromised pin numbers. We can temporarily block or permanently cancel your missing card and organise for a new card to be reissued.