Young adult woman in with her dog and phone

Smart Start Checking

Smart Start Checking has extra perks for young adults plus no minimum balance and no monthly fees

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

Learn More

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, paper checks, and easy online account management tools. You also get our free mobile app with mobile check deposit!


Smart Start Checking Account Features

RCU Debit Card


Free Technology Features


Other Free Features


Young adult holding a debit card with her dog


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.