person at bank teller window showing a customer piece of paper

Checking Account Comparison

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), Online Banking, Mobile Banking, Bill Pay and more to any of our accounts. Compare checking accounts and enroll online, in-person or over the phone.

Free E-Statement

Best fit for customers comfortable with Online & Mobile Banking. No minimum balance requirement.

Royal Checking

Best fit for customers who prefer paper statements & use their debit card frequently.

Traditional Checking

Best fit for customers who prefer paper statements.

Now Plus

Best fit for customers who want the convenience of a checking account with the reward of a return on their investment.

Royal Checking Plus

Best fit for customers who use direct deposit & maintain a higher balance.

No Monthly Service Fee

No Minimum Required Balance

No Minimum Required Balance Fee

Requires E-Statements with Royal Bank Online Banking (or $3 monthly charge for paper statements)

Opening Deposit Amount: $25

Debit Card Monthly Fee: $1

Royal Bank Debit Card

View, download and print images of your check transactions (available in Royal Bank Online Banking)

Checks (available for purchase)

No Debit Card Monthly Fee

No Below Minimum Balance Fee

No Minimum Balance Required

Opening Deposit Amount: $25

Monthly Service Fee: $10

Royal Bank Debit Card

Check images in statements

Checks (available for purchase)

25% discount on all safe deposit boxes

No Monthly Service Fee

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

Opening Deposit Amount: $500

Minimum Required Balance: $500

Below Minimum Balance Fee: $7.50 & .20 per debit

Debit Card Monthly Fee: $1

Royal Bank Debit Card

Check Images in statements

Checks (available for purchase)

No Monthly Service Fee

Interest-Bearing account (based on average daily balance collected⁽ⁱ⁾; contact your local office location for the latest interest rates)

Tiered rates available

Opening Deposit Amount: $1,000

Minimum Required Balance: $1,000

Below Minimum Balance Fee: $10.00 and .20 per debit

Debit Card Monthly Fee: $1

Royal Bank Debit Card

Check Images in statements

Checks (available for purchase)

⁽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.

No Monthly Service Fee if:

Minimum Daily Balance of $1,000 OR Direct Deposits Totaling $500

No Monthly Debit Card Fee

Overdraft Transfer from Savings ($10/transfer)