Business owner with a business banker in Eau Claire

Business Checking

Choose the business checking account that fits the needs of your business best

Call 800-341-9911 ext. #3040 or visit an office

Learn More

Overview and Benefits

We offer two different business checking accounts. Both include features that make business banking easy, like debit cards, business Bill Pay, and our business mobile app with camera check deposit.

Royal Advantage Business Checking

  • No minimum balance
  • Does not earn dividends (also called interest)

Royal Advantage Plus Business Checking

  • Earns dividends (also called interest)
  • $3,000 minimum balance
  • $10 monthly charge if the balance drops below the minimum at any time


Image of Royal's Debit Card


Business Checking Accounts Offer

  • Free Visa® debit card(s) with secure EMV chip and digital wallet support
  • Business Bill Pay for convenient payments from your checking account
  • 300 checks written or deposited for free each month
  • Additional checks written or deposited over the 300-item limit have a $0.10 per item charge
  • No monthly maintenance fees
  • 40 free checks for new accounts
  • Access to 40,000+ surcharge-free ATMs nationwide

Top Technology Features

  • Free, secure online banking and mobile app
  • Camera check deposit to your business account using the app
  • Real-time transaction and balance alerts
  • 24x7 access to our virtual assistant

Get Answers Anytime

  • Easy access to our team of business banking experts
  • Personalized advice and recommendations

Business Checking Account Rates

Our Royal Advantage Plus business checking account earns dividends on your balance. It’s an easy way to get rewarded for keeping a higher balance each month.


Meet Tom Rocque, owner of Rocque Ridge Guides

Business Member Tom Rocque meeting with an RCU business banker

Compare Business Checking Accounts

Should you choose our no-minimum, no-interest checking or our interest-earning checking with a $3,000 minimum balance? This business checking calculator will help you decide. It calculates any per-item fees for written or deposited checks and any interest earned based on the estimates you enter.

1. What is your average account balance to the nearest dollar?

2. What is the number of combined checks you write and deposit monthly?

Features Royal Advantage Plus Royal Advantage
$3,000 Minimum Balance
($10 per month if balance falls below minimum)
$10.00 No
Checks Deposited & Written
300 combined checks deposited and written free per month. (then $0.10 per item)
$0.00 $0.00
Total Costs $0.00 $0.00
Interest Paid Yes No
Total Interest Earned
Dividends are calculated daily, compounded and paid monthly. Interest Rate:
$0.00 $0.00
Profit (Cost) $10.00 $0.00


Royal Advantage Plus Royal Advantage

Royal By The Numbers

Royal is proud to serve businesses of all sizes! Large or small, we have your business banking needs covered.


Business Members trust Royal with their business banking needs


Convenient office locations across Wisconsin and Minnesota


Access to your money using our digital tools, 40,000+ surcharge free ATMs nationwide, and 4,500+ shared branches