Do more with Royal’s checking accounts. Our Smart Checking account is free to use, with no monthly fee and no minimum balance! You’ll have easy access to your money with a Visa® debit card, paper checks, and online tools. You also get our free mobile app with camera check deposit!
How to Get Started
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?
We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.