Happy woman holding RCU debit card

Smart Checking Plus

Smart Checking Plus lets your balance earn monthly dividends at our great rate

Call us at 800-341-9911 or visit an office

Learn More

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, 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
  • Free electronic or paper statements
  • Free unlimited check writing

RCU Debit Card


Free Technology Features


Other Free Features

Current Smart Checking Plus Rate


Member Story: Opening a Checking Account

Woman and a team member opening an account

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.

Start without logging in

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.