RoyalChecking accountChecked Oct 10, 2026Updated
Royal Smart Checking Plus
0.25%APY · as of Oct 10, 2026
- A year for an everyday customer
- $5 fees and interest, $2,000 kept
- Monthly fee
- $10 a month
- On our list
- #23 of 986 checking accounts, by a year’s value for an everyday customer
Visit RoyalThe bank’s own page · checked Oct 10, 2026
Rate conditions
Fees
- Monthly fee
- $10 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Keep your balance above $700 for the entire month to avoid a $10 monthly chargeSource · checked Oct 10, 2026
- ATM network
- MoneyPassSource · checked Oct 10, 2026
- ATMs in the network
- 40,000Source · checked Oct 10, 2026
- Paper statements
- NoneSource · checked Oct 10, 2026
- Stop payment
- NoneSource · checked Oct 10, 2026
Who can open it
- Where
- Wisconsin, MinnesotaSource · checked Oct 10, 2026
- Membership
- Open to anyone who qualifies through one of these:
- Live or work in one of the counties Royal serves
- Have an immediate family member who lives or works in one of the counties Royal serves
- Make a $5.00 donation to the RCU Foundation ($5)
- Belong to a specific group
Features
Bill payCheck writingDebit cardFree checksInterest bearingMobile check depositMobile walletOnline openingSpending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees