APY
0.25%
As of Nov 8, 2026. Rates are variable.
Royal · Checking account
Royal Smart Checking
$5 a year for an everyday customer. No monthly fee. No minimum to open.
- A year, everyday customer
- $5
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · rcu.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · rcu.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · rcu.org
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#21of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Budgeting tools
- Check writing
- Debit card
- Free checks
- Interest bearing
- Mobile check deposit
- Mobile wallet
- No minimum balance
- Online opening
- Savings round ups
- 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
Fees
- Monthly fee
- Nonercu.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
- Out-of-network ATM fee
- Nonercu.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.
- Minimum age
- 13rcu.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