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Open A New Checking Account And Get $250*

$250 Bonus For New Checking Accounts

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Open A New Checking Account And Get $250!*

Open a new checking account at Royal and get $250! Just open a new checking account, receive two payroll direct deposits, and we’ll put $250 in your savings account. It’s that easy!


Smart Checking

  • No minimum balance
  • No monthly fees
  • $250 bonus!

Smart Checking Plus

  • $700 minimum balance
  • $10 monthly fee if balance is less than $700
  • Earns dividends
  • $250 bonus!

You also get all our great account features, including online banking, our mobile app with check deposit, and a free debit card that’s compatible with digital wallets. Choose Smart Checking with no minimum balance or dividend-earning Smart Checking Plus.

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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.

Switch Your Checking Account To Royal!

We offer simple checking account options that offer amazing convenience.

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Smart Checking

A Checking Account With No Minimum Balance

A checking account with no minimum balance

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Smart Checking Plus

Earn Dividends When You Keep A Balance In Your Account

Earn dividends when you keep a balance in your account

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Smart Start Checking

Free Checking With Extra Perks For Young Adults

Free checking with extra perks for young adults

*Receive a $250 bonus upon opening a new checking account between March 1, 2023 and March 31, 2023. Offer valid only to recipients that qualify for Membership with Royal. Business checking accounts are not eligible for this promotion. Member cannot have had a previously opened or closed checking account with Royal in the last twelve (12) months. Members with existing checking accounts do not qualify. New checking account must receive two (2) qualifying direct deposits of at least $200 each from a direct deposit paycheck, pension payment, Social Security payment, or government benefits payment electronically deposited into the account from an employer or outside agency. First deposit must occur within the first sixty (60) days from account opening; second deposit must occur within 120 days of account opening. Account must remain open for six (6) months. Must open and be primary on a Primary Base Savings account. The incentive will be deposited into the qualifying Member’s Primary Base Savings account within 10 days after the second qualifying deposit. Royal reserves the right to withhold or reclaim the incentive if the qualifications are not met, the account is not in good standing, or the account does not remain open for at least six (6) months based on Royal’s sole discretion. Limit of one account per Member may be included in promotion. The incentive is subject to federal and state tax requirements, which are the responsibility of the account holder. Royal reserves the right to terminate this promotion at any time. This offer cannot be combined with any other Royal checking account offer. APY=Annual Percentage Yield. APY from 0%-0.25% available depending on checking product selected. No minimum balance to open a checking account. Minimum balance of $700 to earn APY. Fees could reduce the balance and earnings on the account. APY is accurate as of the last dividend declaration date. Rates may change after the account is opened. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information. Insured by NCUA.