Smart Checking Plus
Smart Checking Plus lets your balance earn monthly dividends at our great rate
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Put your money to work for you with our dividend-earning Smart Checking Plus account! Keep your balance above $700 each month to earn dividends at our outstanding rate. Besides the balance requirement and dividends, everything is the same as our Smart Checking account. You’ll get a Visa® debit card, optional paper checks, and easy online account management tools. You also get our free mobile app with camera check deposit!
Smart Checking Plus Checking Account Features
- Keep your balance above $700 for the entire month to avoid a $10 monthly charge
- Free instant-issue Visa® debit card with secure EMV chip
- 40 free checks for new accounts (optional, provided on request)
- Free electronic or paper statements
- Free unlimited check writing
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
Other Free Features
- Surcharge-free withdrawals at 40,000+ ATMs nationwide
- Free direct deposit
- Free stop payments
- Free CompuTeller access
Current Smart Checking Plus Rate
Member Story: Opening a 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.
