Smart Start Checking
Smart Start Checking has extra perks for young adults plus no minimum balance and no monthly fees
Call us at 800-341-9911 or visit an office
Writing the first chapter of your financial story is easy with a Smart Start Checking account! This checking account is designed especially for ages 13-25. It includes two free NSF refunds per year^. You’ll also qualify for Way-to-Go Rewards with on-time payments on an auto loan or home loan. Smart Start Checking accounts come with a Visa® debit card, optional paper checks, and easy online account management tools. You also get our free mobile app with mobile check deposit!
Smart Start Checking Account Features
- Two free NSF refunds per year^
- Way-to-Go Rewards for on-time auto or home loan payments
- 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
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
Other Free Features
- Surcharge-free withdrawals at 40,000+ ATMs nationwide
- Free direct deposit
- Free stop payments
- Free CompuTeller access
Royal Makes Managing Your Money Easy
Frequently Asked Questions
What is Royal’s 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.
Does Royal’s Smart Checking have a minimum balance requirement or a monthly maintenance fee?
No. Smart Start Checking does not require a minimum balance to open or maintain the account and does not charge a monthly fee.
How does Royal’s Smart Start Checking account benefit teenagers and young adults?
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.
Can I access my Smart Start Checking account when I’m away at school or traveling?
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.
What happens to my Smart Start Checking account when I turn 26?
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.
Can I use direct deposit with Smart Start Checking?
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.
Additional Resources
Other Checking Products
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.
