Checking Accounts
Manage your money the smart way with a checking account that's right for you
Call us at 800-341-9911 or visit an office
Compare Checking Accounts
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Smart Start Checking 13-25 Years Old |
No Minimum Balance Requirement
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Earns Dividends
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No Monthly Fee
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Debit Roundup To Savings
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Smart Checking Ages 13+ |
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No Minimum Balance Requirement
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Earns Dividends
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No Monthly Fee
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Debit Roundup To Savings
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Smart Checking Plus Ages 13+ |
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Minimum Balance Requirement $700 |
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Earns Dividends
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Monthly Fee $10 if balance falls below $700 |
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Debit Roundup To Savings
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Duo Checking Ages 13+ |
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No Minimum Balance Requirement
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Earns Dividends
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No Monthly Fee If requirements are met |
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Debit Roundup To Savings
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All Royal checking accounts include:
- Free instant-issue Visa® debit cards with a secure EMV chip
- 40 free checks for new accounts
- Free electronic statements
- Free unlimited check writing
- Free online banking and mobile app
- Free Pay A Bill service
- Free digital wallet compatibility
- Free mobile app with camera check deposit
- Free real-time alerts
- Free stop payments
Smart Checking
A checking account with no minimum balance
Smart Checking Plus
Earn dividends when you keep a balance in your account
Smart Start Checking
Checking with extra perks for young adults
Money Market
Earn higher dividends with a money market account
Save & Spend Duo
Get more perks when you bundle Duo Checking and Duo Savings accounts!
Our Checking Accounts Put You In Control
Get easy ways to move money, an integrated spending and budget tracker, an awesome mobile app, and much more
Frequently Asked Questions
Royal Credit Union offers Smart Checking for people who want no minimum balance and no monthly fee, and Smart Checking Plus for people who keep a higher balance and want to earn dividends. Smart Checking Plus requires keeping your balance above $700 for the entire month to earn dividends and avoid a $10 monthly charge. Royal’s Duo Checking is bundled with a high-yield Duo Savings account that rounds up debit card purchases to boost your savings balance.
Smart Start Checking is available for Members aged 13-25. All of Royal’s checking accounts include a free Visa debit card, free digital banking, and surcharge-free access to more than 40,000 ATMs nationwide.
Royal Credit Union's Smart Checking account has no minimum balance requirement and no monthly maintenance fee. Smart Checking Plus charges a $10 monthly fee only if the balance falls below $700 at any point during the month and waives it entirely when the balance stays above that amount. Both accounts include free electronic statements, free unlimited check writing, and a free instant-issue Visa debit card.
Yes, Royal Credit Union’s Visa debit card can be added to Apple Pay, Google Pay, and Samsung Pay, allowing contactless payments in stores and online. Royal also offers a free mobile app with camera check deposit, real-time account alerts, and mobile card management if your card is ever lost or stolen.
To set up direct deposit at Royal Credit Union you will need Royal's routing number, 291880411, and your account number, which appears in online banking and on your statement. Give both to your employer or benefits provider, or use Royal's direct deposit authorization form. Direct deposit is free on Royal checking and savings accounts.
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