Business Checking & Savings

With all you have to do in a given day, sometimes it's the little things that tend to get lost. At Royal Credit Union, we offer a huge selection of business cash management tools you can use to make sure you are on top of every last detail. Stop at any Royal Credit Union location, or call one of our Business Service Representatives at 800-341-9911, ext. 3040 to get started.

Business Checking
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We're in business to make your business easy, with two checking products to choose from: one that earns cash back, and one with no minimum balance. We did our research as we developed these, and these are some of the most business-friendly, best-value checking products around!

Royal Advantage

  • Non-Interest-Bearing
  • No Minimum Balance
  • First 50 Checks Free - plus 300 free combined deposited & written checks
  • Easy & Convenient Debit Card Access

Royal Advantage Plus

  • Interest-Bearing
  • Dividend Rate: 0.25/APY*: 0.25%
  • $3,000 Minimum Balance ($10 per month if it falls below)
  • First 50 Checks Free - plus 300 free combined deposited & written checks
  • Easy & Convenient Debit Card Access

Not sure which is right for your business?

Savings & Investments
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Ready to grow that proverbial nest egg? Check out these options - you'll earn more with Royal's great rates.

Getting Started
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Get going with our business worksheet

Information on the required federal government regulations (When opening or making changes to business accounts or loans you will be asked to provide this information.)

Money Market Checking Benefits
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Earn cash on tiered balances in your account!

  • $10,000 minimum initial deposit
  • Make minimum withdrawals of $250 or more
  • Make minimum deposits of $100 or more
  • FREE personal checks
  • No minimum investment period
  • Unlimited signed transactions at any Royal office
  • Six unsigned transfers per month with online banking, business online banking, CompuTeller, Member Service, check, or preauthorized payment to a third party
  • Some transactions may be limited.
Money Market Checking Ridiculously Good Rates
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$9,999.99 or less
Dividend Rate: 0.45%
APY: 0.45%*

$10,000 - $24,999.99
Dividend Rate: 0.95%
APY: 0.95%*

$25,000 - $99,999.99
Dividend Rate: 1.25%
APY: 1.26%*

$100,000 or More
Dividend Rate: 1.35%
APY: 1.36%*

The Fine Print
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*APY=Annual Percentage Yield. Rates current as of 10/1/2019. Last changed on 10/1/2019. The above rates are subject to change at any time without notice. Rate may change after opening account. Fees could reduce earnings on account. Limitations: Make minimum withdrawals of $250 or more

  Advantage Advantage Plus
Monthly Maintenance Free Free
Minimum Balance $0 $3000
$10 if below minimum
Dividend Bearing No Yes
Checks Deposited & Written 300 free combined
then $.10 each
300 free combined
then $.10 each
NSF Deposited Free Free
NSF Written Transactions up to $10: $10 fee.
Transactions greater than $10: $30 fee.
Transactions up to $10: $10 fee.
Transactions greater than $10: $30 fee.
Bill Pay Free Free

Need help comparing checking accounts to see which one might be right for you? Use the business checking account comparison tool


View our disclosures and service fees.