Smart Checking Plus

Smart Checking Plus is Royal Credit Union's dividend-earning checking account. Members can earn dividends on their account balance while still receiving the same everyday checking features available with Smart Checking, including a Visa® debit card, digital banking tools, direct deposit, mobile check deposit, and access to more than 40,000 surcharge-free ATMs nationwide.

Yes. Keep your balance above $700 each month to earn dividends and avoid a $10 monthly charge.

It can. Keep your Smart Checking Plus balance above $700 for the entire month to avoid a $10 monthly charge. If your balance falls below $700 at any point in the month, the $10 fee will be charged.

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 checking accounts to take advantage of lower fees, better digital banking tools, convenient ATM access, or personalized service. We provide 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.

Yes! Members who already have Royal’s Smart Checking account and want to earn dividends on their checking balance can transition to a Smart Checking Plus account. Visit a Royal office or call Member Service at 800-341-9911 to discuss your options and change your checking account type.