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Endless Ways To Bank, Save, And Spend

Royal’s checking accounts go the extra mile!

Call us at 800-341-9911 or visit an office

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!

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A Checking Account That Goes The Distance

When you open a checking account at Royal Credit Union, you’ll experience next-level banking. Our Smart Start Checking features:

  • No minimum balance and no monthly fees
  • Real-time alerts for staying in the know and on budget
  • Access to over 40,000 ATMs nationwide with no surcharge fee

RCU Debit Card

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Our Digital Tools Keep Banking Simple And Accessible

We’re proud to offer online and mobile banking tools that make managing your Royal accounts easy!

  • Free online banking and Bill Pay service
  • Free Apple Pay®, Google Pay™, and Samsung Pay™  digital wallet compatibility
  • Free mobile app
  • Free camera check deposit using the mobile app
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Options That Fit Your Banking Needs

At Royal, we know that checking accounts aren’t one size fits all. If you’re looking for an account that’s focused on earning dividends, check out Smart Checking Plus. Or if you’re between the ages of 13 and 25 and looking for your first checking account, the Smart Start Checking account is just for you!

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.

Start without logging in

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.

Get A Checking Account That Can Go The Distance!