Checking & Savings
Access your money any time with checking and savings accounts that put you in control
Call us at 800-341-9911 or visit an office
Checking Accounts
Manage your money the smart way with our checking account options
Savings Accounts
Put your money to work with our great savings account rates
Start Your Story With Royal
A checking and savings account at Royal will frame your financial picture perfectly
Resources
See how much you'll need to save for a big purchase, or learn how to protect yourself
Get More From Your Checking Account
All checking accounts include free debit cards and our free mobile app
Contact Us
Have a question or need help?We're here for you!
- Contact us
- Call 800-341-9911
- Resume Your Application
Watch Jadyn’s Royal Credit Union Story
See how Jadyn trusts Royal Credit Union with all of her banking needs
Frequently Asked Questions
What checking accounts does Royal Credit Union offer?
Royal offers Smart Checking, Smart Checking Plus, Smart Start Checking for Members ages 13–25, and Duo Checking as part of the Save & Spend Duo. Each account includes digital banking and a Visa® debit card, with differences in fees, balance requirements, dividends, and added perks.
What is the difference between Smart Checking and Smart Checking Plus?
Smart Checking has no minimum balance requirement and no monthly maintenance fee. Smart Checking Plus offers the same everyday features but pays dividends when the balance stays above $700 for the entire month. If the balance falls below $700 at any point during the month, a $10 monthly charge applies.
Who can open an account at Royal Credit Union?
You can open an account if you qualify for Royal Credit Union Membership. Eligibility is generally based on living or working in Royal’s Wisconsin or Minnesota service area, having an eligible immediate family connection, belonging to a qualifying employer or group, or—if you live in Wisconsin or Minnesota—making a $5 donation to the RCU Foundation.
