Smart Checking
Smart Checking gives you more for free with no minimum balance and no monthly fees
Call us at 800-341-9911 or visit an office
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!
Free Technology Features
- Free real-time alerts via our mobile app, text message, or email
- Free online banking and Pay a Bill service
- Free Apple Pay®, Google Pay™, and Samsung Pay™ digital wallet compatibility
- Free mobile app
- Free camera check deposit using the mobile app
Free Checking Account Features
- 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
Other Free Features
- Free ATM withdrawals at shared ATMs nationwide
- Free direct deposit
- Free stop payments
- Free CompuTeller access
Royal Member Selika Ducksworth-Lawton shares how she was referred to Royal and continued to rely on Royal as her financial goals changed over the years with her Smart Checking account.
Additional Resources
Other Checking Products
How to Get Started
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?
We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.
