Smart Checking gives you more for free with no minimum balance and no monthly fees
Free Technology Features
Free Checking Account Features
How To Get Started
There are several easy ways to open a Royal Credit Union Smart Checking Account!
Not a Member?
If you don’t have any open Royal accounts, or if you're not the primary owner of an existing Royal savings account, use the button below to get started!
Already a Member?
If you already have an open Royal personal account, log in to online or mobile banking to start your new account application.
Prefer to Visit an Office?
Instead of applying online, schedule an appointment at an office to apply.