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Compare Royal Checking Accounts

Find The Checking Account That’s Right For You

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


Smart Checking

Smart Checking Plus

Smart Start Checking


With no minimum balance and no monthly fees, this is a great basic checking account

Earn dividends when you keep a minimum of $700 in your account

A checking account for Members ages 13-25, with extra perks aimed at young adults

Minimum balance

No minimum balance

$700 minimum balance

No minimum balance

Monthly fees


$10 monthly charge if balance falls below $700 during the month


Check writing




Other notes



Open to Members age 13-25. Includes Way To Go Rewards incentives for making Royal vehicle or home loan payments on time. Also comes with two NSF fee refunds per year.


All Royal checking accounts include:

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