RateHerald

APY

0.25%

As of Nov 8, 2026. Rates are variable.

Royal · Checking account

Royal Smart Checking Plus

$5 a year for an everyday customer. $10 a month. No minimum to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$5
APY
Monthly fee
To open

Against the market

How it ranks

#20of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Bill pay
  • Budgeting tools
  • Check writing
  • Debit card
  • Free checks
  • Interest bearing
  • Mobile check deposit
  • Mobile wallet
  • Online opening
  • Spending alerts

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$700rcu.org, checked Nov 8, 2026
To earn the APY
Keep your balance above $700 each month to earn dividends at our outstanding rate.rcu.org, checked Nov 8, 2026

Fees

Monthly fee
$10 a monthrcu.org, checked Nov 8, 2026
Ways to avoid the monthly fee
Keep your balance above $700 for the entire month to avoid a $10 monthly chargercu.org, checked Nov 8, 2026
Minimum to open
Nonercu.org, checked Nov 8, 2026
ATM network
MoneyPassrcu.org, checked Nov 8, 2026
ATMs in the network
40,000rcu.org, checked Nov 8, 2026
Paper statements
Nonercu.org, checked Nov 8, 2026
Stop payment
Nonercu.org, checked Nov 8, 2026

Who can open it

Where
Wisconsin, Minnesotarcu.org, checked Nov 8, 2026
Membership
Membership required:
  • Live or work in one of the counties that Royal serves (Minnesota and Wisconsin counties listed on the page).
  • Have an immediate family member who lives or works in one of the counties Royal serves, regardless of where you live. The family member does not need to be a current Member.
  • Live in Minnesota or Wisconsin and make a $5.00 donation to the nonprofit RCU Foundation yourself, or have a $5.00 donation to the Foundation made on your behalf. ($5)
  • Employees (and, for Xcel Energy, retired employees) of the listed employers, including the former Uniroyal plant in Eau Claire, Marten Transport, Tenneco-Packaging Corporation, Hurd Millwork Co. Inc., Marathon Cheese Corporation, Phillips Plastics Corporation, Tombstone Pizza Corporation, Weather Shield Mfg. Inc., and Xcel Energy, Inc. and its subsidiaries, plus certain realtor-association-affiliated firms and contractors in Minnesota or Wisconsin.
rcu.org, checked Nov 8, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

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

See it on rcu.org

We don’t earn anything from this link.