Smart Checking

Smart Checking is Royal Credit Union's everyday checking account designed for people who want a simple, no-hassle way to manage their money. It includes no monthly maintenance fee, no minimum balance requirement, a Visa® debit card, online and mobile banking, direct deposit, mobile check deposit, and access to more than 40,000 surcharge-free ATMs nationwide.

Many people choose credit union checking accounts because credit unions are Member-owned financial cooperatives that focus on serving Members rather than shareholders. Credit union checking accounts often feature competitive fees, personalized service, and convenient digital banking tools.

Royal is part of the MoneyPass network, so Members can use more than 40,000 surcharge-free ATMs nationwide for easy access to cash at home or while traveling. You can use our ATM locator to find a surcharge-free ATM near you.

Yes. Your Royal debit card can be added to supported digital wallets, including Apple Pay®, Google Pay™, and Samsung Pay®, allowing you to make secure contactless purchases in-person or online.

Yes. Many people switch their checking account to Royal Credit Union to take advantage of lower fees, better digital banking tools, convenient ATM access, and personalized service. Royal provides resources and support to help make the transition easier, like our checking account switch kit.

Smart Checking is designed for Members who want a simple checking account with no minimum balance or monthly fee. Smart Checking Plus offers dividend earnings and waives the $10 monthly fee for Members who maintain a $700 minimum balance each month. Choosing the right account depends on your banking habits and financial goals.