Young woman holding a debit card

Take Royal’s Checking Account Challenge!

Compare your checking account to Royal and see why you should switch

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

See how your checking account stacks up! Royal checking accounts give you more free services with fewer fees! Compare your checking account to Royal’s Smart Start Checking account for ages 13-25 and see why switching makes sense.

Checking features table


Stay On Top Of Your Money

With our free mobile app, real-time text and app alerts, and mobile check deposit, Royal has your banking needs covered from just about anywhere. Our fast, secure online and mobile banking options let you take control of your accounts and stay on top of your spending. And if you do happen to overdraw, our Smart Start Checking you get up to two free NSF refunds each year^. Smart Start Checking also comes with Way-to-Go Rewards when paired with an auto loan or home loan and payments are made on time.

Personalized Help & Advice

Royal’s credit union values mean we approach banking differently. We’re a financial co-op that’s here to help our Members grow and reach their goals. We’re owned by our Members, not outside shareholders. We’re also committed to providing personalized help and honest advice that’s best for you. We won’t push you to open another account or add a service unless it really makes sense for your situation. We’re happy to work with you to find solutions that put your goals within reach. Get in touch with us any time!



^Two free NSF refunds per year available for Smart Start Checking only. Members with eligible accounts must call or visit an office to request refund of the Non-Sufficient Funds (NSF) fee. For an NSF item between $0.01-$10, the NSF fee will be $10. For an NSF item that is $10.01 or greater, the NSF fee will be $30. NSF fee is charged when we return or reject a transaction presented against your account that would exceed your account’s available balance. An NSF fee may be charged each time a transaction is presented or submitted for payment even if the same transaction is presented multiple times. A check, debit card transaction, or preauthorized debit are examples of transactions that could result in an NSF fee.