Smart Start Checking
Smart Start Checking has extra perks for young adults plus no minimum balance and no monthly fees
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Writing the first chapter of your financial story is easy with a Smart Start Checking account! This checking account is designed especially for ages 13-25. It includes two free NSF refunds per year^. You’ll also qualify for Way-to-Go Rewards with on-time payments on a Smart Start Auto Loan or Smart Start Home Loan. Smart Start Checking accounts come with a Visa® debit card, optional paper checks, and easy online account management tools. You also get our free mobile app with mobile check deposit!
Smart Start Checking Account Features
- Two free NSF refunds per year^
- Way-to-Go Rewards for on-time auto or home loan payments
- 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
Royal Makes Managing Your Money Easy
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.
