Woman holding a debit card and smiling

Smart Checking

Smart Checking gives you more for free with no minimum balance and no monthly fees

Do more for free with our Smart Checking account.

It’s free to use, with no monthly fee and no minimum balance! You’ll have easy access to your money with a Visa® debit card, paper checks, and online tools. You also get our free mobile app with camera check deposit!

RCU Debit Card

Free Technology Features

Free Checking Account Features

Other Free 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.

Start without logging in

Prefer to Visit an Office?

Instead of applying online, schedule an appointment at an office to apply.