Smart Checking
Smart Checking gives you more for free with no minimum balance and no monthly fees
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
Free Checking Account Features
- Free instant-issue Visa® debit card with secure EMV chip
- 40 free checks for new accounts
- Free electronic or paper statements
- Free unlimited check writing
Other Free Features
- Free ATM withdrawals at shared ATMs nationwide
- Free direct deposit
- Free stop payments
- Free CompuTeller access
How To Get Started
There are several easy ways to open a Royal Credit Union Smart Checking Account!
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?
Instead of applying online, schedule an appointment at an office to apply.
