Last Updated: 01/21/2026
Royal Credit Union Smart Checking Plus Accounts
Unaffiliated
in Checking Accounts from Royal Credit Union
Last Updated: 01/21/2026
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Highlights
Welcome Offer
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Cashback Rewards
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APY (Annual Percentage Yield)
Monthly Service Fee
Royal Credit Union Smart Checking Plus Accounts Review
Key Takeaways
- Higher than average APY. Royal Credit Union Smart Checking Plus Accounts has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts.
- $0 monthly account fees available. This account charges a monthly fee of up to $10.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Royal Credit Union Smart Checking Plus Accounts does not charge fees on ATM transactions .
Royal Credit Union Smart Checking Plus Accounts Pros & Cons
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Royal Credit Union Smart Checking Plus Accounts FAQ
Are checking accounts from Royal Credit Union federally insured?
What APY does Royal Credit Union Smart Checking Plus Accounts offer?
What are the account minimums for Royal Credit Union Smart Checking Plus Accounts?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0 - $700 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Royal Credit Union Smart Checking Plus Accounts charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Royal Credit Union Smart Checking Plus Accounts offer?
- Fraud monitoring - Royal Credit Union Smart Checking Plus Accounts monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Royal Credit Union Smart Checking Plus Accounts?
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