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Checking Accounts

Manage your money the smart way with a checking account that's right for you

Call us at 800-341-9911 or visit an office


Open A New Checking Account And Get $250*

Royal’s checking accounts give you more! Get a $250 bonus when you open your account by November 15 and receive two payroll direct deposits. Learn More


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Smart Checking

A checking account with no minimum balance

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Smart Checking Plus

Earn dividends when you keep a balance in your account

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Smart Start Checking

Checking with extra perks for young adults

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Money Market

Earn higher dividends with a money market account


Compare Smart Checking And Smart Checking Plus Accounts

 

 

Smart Checking

Details

Smart Checking Plus

Details

No minimum balance

$700 minimum balance to avoid a $10 monthly charge

Does not earn dividends

Earns dividends

No monthly fee

No monthly fee if minimum balance is met

  • Free instant-issue Visa® debit card with secure EMV chip
  • 50 free checks for new accounts
  • Free electronic or paper statements
  • Free unlimited check writing
  • Real-time account alerts
  • Free instant-issue Visa® debit card with secure EMV chip
  • 50 free checks for new accounts
  • Free electronic or paper statements
  • Free unlimited check writing
  • Real-time account alerts

Get Started

Learn More About Smart Checking

Learn More About Smart Checking Plus

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Our Checking Accounts Put You In Control

Get easy ways to move money, an integrated spending and budget tracker, an awesome mobile app, and much more

Online Banking

All your account information at your fingertips

Checking Resources

Commonly used checking account forms and documents

Contact Us

Have a question or need help?We're here for you!