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.
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Smart Checking |
Smart Checking Plus |
Smart Start Checking |
|---|---|---|---|
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Highlights |
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 |
None |
$10 monthly charge if balance falls below $700 during the month |
None |
|
Check writing |
Unlimited |
Unlimited |
Unlimited |
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Other notes |
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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
