Smart Start Checking

Smart Start Checking is a checking account designed specifically for Members ages 13-25. It combines everyday checking features with benefits that help young adults build strong financial habits and gain confidence in managing money.

No. Smart Start Checking does not require a minimum balance to open or maintain the account and does not charge a monthly fee.

Smart Start Checking is designed for Members ages 13-25 and includes extra perks! Unlike Royal's other checking accounts, Smart Start Checking includes two free non-sufficient funds (NSF) fee refunds per year and Way-to-Go Rewards for on-time auto or home loan payments. These perks help young Members by providing a financial safety net and rewarding responsible borrowing.

Yes! You can access your account anytime with Royal’s mobile app, plus you can use more than 40,000 surcharge-free ATMs nationwide for easy access to cash. You can use our ATM locator to find a surcharge-free ATM near you.

When you turn 26 years old, your Smart Start Checking account will automatically convert to a Smart Checking account with no action needed from you. If you would like an interest-earning checking account, your account can be converted to our Smart Checking Plus account by visiting a Royal office or calling Member Service.

Yes! If you have a job or internship, you can set up direct deposit to have your paychecks deposited right into your Smart Start Checking account.