
$250 Bonus For New Checking Accounts!
Open a Royal checking account and get a $250 bonus!
Getting Your $250 Is Easy!
Open a checking account by May 31
Receive two payroll direct deposits of $200 or more
Get a $250 bonus!

All Personal Checking Accounts Qualify!
Smart Checking
- No minimum balance
- No monthly fees
- $250 bonus!
Smart Checking Plus
- $700 minimum balance
- $10 monthly fee if balance falls below $700 at any time during the month
- Earns dividends
- $250 bonus!
Duo Checking
- No minimum balance
- Bundled with high-yield Duo Savings account
- Debit Roundup adds boosts to your savings
- $5 monthly fee if 20 debit purchases are not posted each month
- $250 bonus!
Do More For Free With Royal’s Checking Accounts
- Free Visa® debit card with secure EMV chip
- Surcharge-free withdrawals at 40,000+ ATMs nationwide
- 40 free checks for new accounts (optional, available on request)
- Free customizable real-time account alerts by email, text message, or via our mobile app
- Free mobile app
- Free mobile check deposit
- Free Pay A Bill
- Free transfers to other people
- Free 24/7 virtual assistant access
- Free electronic or paper statements
- Free, secure digital wallet support
- Free direct deposit
- Free stop payments
- Free telephone banking
How to Get Started
Not a Member?
If you don’t have any open Royal accounts, or if you're not the primary owner of an existing Royal savings account, use the button below to get started!
Already a Member?
If you already have an open Royal personal account, log in to online or mobile banking to start your new account application.
Prefer to Visit an Office?
We're here to help open your account in person! Schedule an appointment to meet with a Royal expert at the office of your choice.
Insured by NCUA. *Receive a $250 bonus after opening a new checking account between 3/1/2025 and 5/31/2025 and receiving two direct deposits. Membership qualification required. Business checking accounts are not eligible. Recipients with existing Royal checking accounts or with a previous Royal checking account in the last 12 months do not qualify. New checking account must receive two qualifying direct deposits of at least $200 each from a paycheck, pension, Social Security, or government benefit electronically deposited into the account from an employer or outside agency. Both deposits must occur within 120 calendar days of account opening. Account must remain open for six months. Must open and be primary on a Primary Base Savings account. Incentive will be deposited into the qualifying Member’s Primary Base Savings account within 10 calendar days after the second qualifying deposit. Royal reserves the right to withhold or reclaim incentive if qualifications are not met based on Royal’s sole discretion. Limit of one account per Member may be included in promotion. The incentive is subject to federal and state tax requirements, which are account holder’s responsibility. Royal reserves the right to end this promotion at any time. Offer cannot be combined with any other Royal checking account offers. No minimum balance to open a checking account. Fees could reduce the balance and earnings on the account. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information.