Smart Checking
Smart Checking gives you more for free with no minimum balance and no monthly fees
Free Technology Features
- Free real-time alerts via our mobile app, text message, or email
- Free online banking and Pay a Bill service
- Free Apple Pay®, Google Pay™, and Samsung Pay™ digital wallet compatibility
- Free mobile app
- Free camera check deposit using the mobile app
Free Checking Account Features
- Free instant-issue Visa® debit card with secure EMV chip
- 40 free checks for new accounts (optional, provided on request)
- Free electronic or paper statements
- Free unlimited check writing
Other Free Features
- Free ATM withdrawals at shared ATMs nationwide
- Free direct deposit
- Free stop payments
- Free CompuTeller access
Frequently Asked Questions
What is Royal’s Smart Checking account?
Smart Checking is Royal Credit Union's everyday checking account designed for people who want a simple, no-hassle way to manage their money. It includes no monthly maintenance fee, no minimum balance requirement, a Visa® debit card, online and mobile banking, direct deposit, mobile check deposit, and access to more than 40,000 surcharge-free ATMs nationwide.
Is a credit union checking account better than a bank checking account?
Many people choose credit union checking accounts because credit unions are Member-owned financial cooperatives that focus on serving Members rather than shareholders. Credit union checking accounts often feature competitive fees, personalized service, and convenient digital banking tools.
What ATMs can I use with Smart Checking?
Royal is part of the MoneyPass network, so Members can use more than 40,000 surcharge-free ATMs nationwide for easy access to cash at home or while traveling. You can use our ATM locator to find a surcharge-free ATM near you.
Can I use Apple Pay, Google Pay, or Samsung Pay with Smart Checking?
Yes. Your Royal debit card can be added to supported digital wallets, including Apple Pay®, Google Pay™, and Samsung Pay®, allowing you to make secure contactless purchases in-person or online.
Can I switch my checking account to Royal Credit Union?
Yes. Many people switch checking accounts to take advantage of lower fees, better digital banking tools, convenient ATM access, or personalized service. We provide resources and support to help make the transition easier, like our checking account switch kit.
What's the difference between Smart Checking and Smart Checking Plus?
Smart Checking is designed for Members who want a simple checking account with no minimum balance or monthly fee. Smart Checking Plus offers dividend earnings and waives the $10 monthly fee for Members who maintain a $700 minimum balance each month. Choosing the right account depends on your banking habits and financial goals.
How To Get Started
We offer many easy ways to open an account with Royal Credit Union
Apply Online Now
Complete our easy online application and get a decision fast.
Visit An Office
Instead of applying online, schedule an appointment at an office to apply.
Need Help?
If you have questions or need help, call our lending team at 800-341-9911 or visit our contact page.
