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A government photo ID, your Social Security number and a US address. Online applications also take a short selfie so we can match it to the ID. Most are approved immediately; a small number need a document check that takes one business day.

Seven working days from the date you choose. We move direct debits, standing orders and your salary, and notify your old bank. If a payment goes astray during the switch we refund any charges that result.

Rielora Capital is a Member FDIC institution. Eligible deposits are insured to $250,000 per depositor, per ownership category — so a joint account is covered to $250,000 per co-owner. Investment products held through Rielora Capital Wealth are not FDIC insured and can fall in value.

In the app, in a branch, or by phone — there is no closure fee, no notice period and no retention script. Any accrued interest is paid on closure. We will ask why, once, and then process it.

Only if your average balance across the statement period is under $5,000. It is assessed on the average, not on a single low day, and we notify you before it is taken.

Freeze it in the app immediately — that takes effect in under a second and is reversible if the card turns up. Then call +855 71 842 6113, which is answered 24 hours a day. A replacement arrives in three to five working days, or next day for an $18 expedited fee.

Open the transaction in the app and choose "Dispute this". For unauthorised transactions we usually credit you provisionally within one business day while we investigate, under the zero-liability guarantee. Merchant disputes (goods not received, wrong amount) take longer because the merchant gets a right of reply.

A disposable card number tied to your real account. Use one per merchant for subscriptions or unfamiliar sites — if it leaks, you cancel that number without reissuing your actual card. You can generate them instantly in the app.

Not on Premier Checking, the Student account or the Reserve Travel credit card — those have no foreign transaction fee. Everyday Checking and the other credit cards carry 2.5%. Always choose to be billed in the local currency; letting the terminal convert for you is almost always worse.

No. The initial quote uses a soft search only you can see. A hard search is recorded when you submit a full application, and we tell you clearly at that point.

Yes, on every Rielora Capital loan and mortgage, with no early repayment charge. Overpayments reduce the balance the day they land, so interest stops accruing on that amount immediately.

Pre-approval within 24 hours of a complete application. Full offer depends on the valuation, typically seven to fourteen days from instruction. Your pre-approval is valid for 90 days.

Call us before a payment is missed rather than after. We can arrange payment holidays, term extensions or reduced payments, and acting early keeps far more options open. The conversation is free and does not itself affect your credit file.

We will never ask for your passcode, a one-time code or your full card number, and we will never ask you to move money to a "safe account". If a caller does any of those things, hang up and call +855 71 842 6113 from a number you have looked up yourself. You can also verify any genuine call in the app, which shows an active-call banner.

A passkey replaces your password with a cryptographic key stored on your device and unlocked by your face or fingerprint. There is nothing to phish and nothing to reuse across sites. Yes — we recommend it, and it takes about thirty seconds to set up.

Not under our zero-liability guarantee, provided you tell us promptly and have not shared your security details with anyone. Provisional credit is typically applied within one business day while the case is investigated.

Your incorporation or formation documents, EIN, and photo ID for every signatory and any beneficial owner holding 25% or more. Most applications are approved within two business days.

Five business days for facilities under $2M, decided by the credit committee in your own region. Larger or more structured facilities go to the group committee and typically take two to three weeks.

Next day into your Rielora Capital business account, including weekends and holidays, with no separate settlement account to reconcile.

Yes, on the Growth and Commercial plans. Roles are granular — view-only, initiate-payment, and approve-payment are all separate, and every action is logged in an exportable audit trail.