Smart Checking Plus & Money Market

A checking account that works as hard as you do

Okay, maybe not that hard. But it works!

We like our Smart Checking. How could it get any better? What about a checking account that pays YOU? We've got you covered there, too. All we do is add the word "PLUS" to the end (and one asterisk), and you can earn dividends on your balance. There's also a great Money Market option.

Money Market Benefits
Royal Credit Union | Benefits

Earn cash on tiered balances in your account!

  • $10,000 minimum initial deposit
  • Make minimum withdrawals of $250 or more
  • Make minimum deposits of $100 or more
  • FREE personal checks
  • No minimum investment period
  • Unlimited signed transactions at any Royal office
  • Six unsigned transfers per month with online banking, business online banking, CompuTeller, Member Service, check, or preauthorized payment to a third party
  • Some transactions may be limited.
Money Market Ridiculously Good Rates
Royal Credit Union | Rates

$9,999.99 or less**
Dividend Rate: 0.80%
APY: 0.80%*

$10,000 - $24,999.99
Dividend Rate: 0.95%
APY: 0.95%*

$25,000 - $99,999.99
Dividend Rate: 1.25%
APY: 1.26%*

$100,000 or More
Dividend Rate: 1.35%
APY: 1.36%*

**This rate will go into effect if your account drops below $10,000. Minimum $10,000 initial deposit is required. 

Smart Checking Plus Benefits
Royal Credit Union | Benefits

Just keep a minimum balance of $700* to earn dividends AND keep all of the benefits that Smart Checking offers. Here's the fine print for the asterisk (don't want to keep you in suspense):*$10 monthly charge if balance falls below $700 anytime during the month.

And to save you a click, here is what else is included with Smart Checking PLUS:

  • FREE ATM withdrawals at a national network of ATMs**
  • FREE transfers from a Kwik Cash line of credit***
  • Apple PayTM compatible****
  • Google PayTM compatible*****
  • Samsung PayTM compatible******
  • FREE stop payments, just in case
  • FREE online banking, Bill Pay, mobile deposit, and CompuTeller access
  • FREE check printing at account opening
Royal Credit Union | Rates

Dividend Rate: 0.40%

APY: 0.40%*

Checking Reconciliation
Royal Credit Union | Checkmark
ATM locations
Royal Credit Union | ATM locations

Receive surcharge-free transactions at all Royal, Alliance One, or Co-op Network ATMs. You can also make deposits at any PULSE or Co-op depository ATM******

Find Royal ATMs
Find Alliance One ATMs
Find Co-op Network ATMs


The Fine Print
Royal Credit Union | Fine Print

HAVE A DISPUTE? Here's the form. Once you fill it out, you can bring it to any office, mail it to us,  fax to 715-552-3030, or email to

* APY=Annual Percentage Yield. Rates current as of 6/18/2018. Last changed on 6/18/2018.
The above rates are subject to change at any time without notice. Rate may change after opening account. Fees could reduce earnings on account. Limitations: Make minimum withdrawals of $250 or more

** Non-Royal Credit Union ATMs may impose a surcharge.

***Requires credit qualification. See a Royal team member for more details.

****Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other Countries. Apple Pay is a trademark of Apple Inc.

*****Google Pay is a trademark of Google LLC.

******Available on select Samsung devices, most major carriers and supported cards. See for complete list and contact your bank or financial institution to verify supported cards.

*******This is applicable only if the ATM's owner accepts non-customer deposits.

View our disclosures and service fees.