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Choose a Checking Account With More!

Get online & mobile tools, friendly service, and no hidden fees!

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

Our Checking Accounts Have It All

If you’re looking for a checking account that gives you more, you’re in the right place! Royal Credit Union’s checking accounts have it all. We’re a Member-owned credit union with simple checking account choices that come with everything you need and nothing you don’t. It’s easy to manage your money, pay your bills, and skip the monthly fees with a Royal Credit Union checking account.

We offer two simple checking choices: a no-minimum Smart Checking account or a dividend-earning Smart Checking Plus account. Beyond the $700 minimum balance and monthly dividends (also known as interest!) that come with Smart Checking Plus, everything else is the same! You’ll get:

  • Free Visa® debit card with secure EMV chip
  • 50 free checks for new accounts
  • Free electronic or paper statements
  • Free unlimited check writing (no per-item fees)
  • Real-time account alerts by email, SMS, or via our mobile app
  • Free mobile app with check deposit
  • Free Bill Pay service
  • Free ATM withdrawals at 40,000+ ATMs nationwide
  • Free, secure digital wallet support
  • Free direct deposit
  • Free stop payments
  • Free telephone banking
  • Free financial reviews


Our Checking Accounts Give You More

You get our mobile app with check deposit, online banking, real-time account alerts, 40,000+ surcharge-free ATMs, friendly service, and so much more


Mobile phone with app

More Online & Mobile Tools

Our free, easy, and secure online tools make it easy to manage your account

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More Surcharge-Free ATMs

Access to 40,000+ surcharge-free ATMs across the country

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More Friendly Service

We’re people that love helping people. Get in touch today for friendly service and honest advice!

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Checking Accounts That Do Good

On top of everything else, Royal Credit Union is committed to creating a positive impact in the lives we touch. That’s why a few cents of every debit card transaction go back to our communities via our nonprofit RCU Foundation. The Foundation makes capital gifts to community initiatives for the arts, education, and health, bringing people together and building up communities. It’s just another reason that it feels good to be a Member of Royal!

Foundation team holding check

See Our Checking Account Details