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Compare Royal Checking Accounts

Royal offers different types of checking accounts to meet your needs! See our handy chart for a comparison of each type of account.

Smart Start Checking
13-25 Years Old
No Minimum Balance Requirement
Blue Checkmark
Earns Dividends
Red X Mark
No Monthly Fee
Blue Checkmark
Debit Roundup To Savings
Red X Mark


Smart
Checking

Ages 13+
No Minimum Balance Requirement
Blue Checkmark
Earns Dividends
Red X Mark
No Monthly Fee
Blue Checkmark
Debit Roundup To Savings
Red X Mark


Smart Checking Plus
Ages 13+
Minimum Balance Requirement
$700
Earns Dividends
Blue Checkmark
Monthly Fee
$10 if balance falls below $700
Debit Roundup To Savings
Red X Mark


Duo
Checking

Ages 13+
No Minimum Balance Requirement
Blue Checkmark
Earns Dividends
Red X Mark
No Monthly Fee
If requirements are met
Debit Roundup To Savings
Blue Checkmark


All Royal checking accounts include:

  • Free instant-issue Visa® debit cards with a secure EMV chip
  • 40 free checks for new accounts
  • Free electronic statements
  • Free unlimited check writing
  • Free online banking and mobile app
  • Free Pay A Bill service
  • Free digital wallet compatibility
  • Free mobile app with camera check deposit
  • Free real-time alerts
  • Free stop payments


RCU Members using a debit card in a store

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