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Checking

Checking Isn't Just About Writing Checks Anymore

At Royal Bank, we understand that everyone's banking needs are unique. With our full-range of checking accounts and products, you're sure to find an option that fits your needs. Set up an account with basic check-writing capabilities or add additional options at little or no cost. Add E-Statements, Debit Card(s) with Prewards, Online Banking, Mobile Banking, Bill Pay and more to any of our accounts. Compare accounts and enroll online, in-person or over the phone.

Contact us today to learn more! 

Checking Account Comparison Chart
  E-Checking
 
Royal
 
Traditional
 
NOW Plus
 
Business
 
Best fit for: Customers comfortable with Online Banking Customers who prefer paper statements & use their debit card frequently Customers who prefer paper statements Customers who want a return on their investment Businesses of any size
Opening Deposit Amount
$25
$25
$500
$1,000
$500
Minimum Required
Balance
$0 $0 $500 $1,000 $500
Below Minimum Balance Fee $0 $0 $7.50 & .20 per check $10.00 and .20 per check $7.50 and .20 per check
Monthly Service Fee $0 $10 $0 $0 $0
Debit Card Monthly Fee $1 $0 $1 $1 $1
Debit Card With Prewards
Notary Services
Online Banking
Online Banking With Bill Pay
OnCall
Telephone Banking
Direct Deposit
E-Statements Mandatory ($3.00 charge for paper statements)
Check Images Available online
Checks
(standard design only)
$15.00/box $15.00/box $15.00/box $15.00/box $15.00/box
Mobile Banking
Mobile Check Deposit
Interest-Bearing N/A N/A N/A Based on average daily balance collected(i) N/A
Other Available Options Electronic quarterly customer newsletter included with e-statement 25% discount on all safe deposit boxes Minimum balance service charge waived for seniors (age 62+) OR accounts maintaining an average daily balance of $2,500+ in a savings account or CD Three rate tiers Check images with statements & statements cycled at month-end for accurate bookkeeping

(i) Average Daily Balance Method (ADB) applies a periodic rate to the average daily balance in the account for the statement period. The ADB is calculated by adding the principal in the account for each day of the statement period divided by the number of days in the statement period.

Today's Home Mortgage Rates
Product Rate APR
30 Year Fixed 3.875% 3.911%
20 Year Fixed 3.625% 3.675%
15 Year Fixed 3.125% 3.189%
APR = Annual Percentage Rate
Apply Now Rate Watch
Actual interest rates and APRs may vary based on credit history, loan amount, purpose of loan and property.