Personal Checking Account

Enjoy our Personal Checking Account that Works for You

Regular Checking

Eligibility : Any individual
Minimum Opening Deposit: $100
Monthly Maintenance Fees: $15
No monthly maintenance fee with an average daily balance of $800 or more.
Check Writing: Unlimited

Elite Checking

Eligibility: Qualified for individuals aged 62 or over; or for individuals aged 18 or over with valid student ID
Minimum Opening Deposit: $100
Monthly Maintenance Fees: None
Check Writing: Unlimited

NOW Checking

Eligibility : Any individual
Minimum Opening Deposit: $1,000
Monthly Maintenance Fees: $15
No monthly maintenance fee with an average daily balance of $1,500 or more.
Check Writing: Unlimited
Interest Features: Variable rate¹. Interest will be compounded and credited monthly.

Health Savings

Eligibility : Any individual
Minimum Opening Deposit: $0.01
Monthly Maintenance Fees: None
Interest Features: Variable rate¹. Interest will be compounded and credited monthly.

MONEY MARKET

Eligibility : Any individual
Minimum Opening Deposit: $2,500
Monthly Maintenance Fees: $15
No monthly maintenance fee with an average daily balance of $2,500 or more.
Interest Features: Variable tiered rate¹. Interest will be compounded and credited monthly.

Smart Money Market

Eligibility : Any individual
Minimum Opening Deposit: $15,000
Monthly Maintenance Fees: $15
No monthly maintenance fee with an average daily balance of $5,000 or more.
Interest Features: Variable tiered rate¹. Interest will be compounded and credited monthly.

Regular Checking - New York Region

Eligibility : Any individual in New York region
Minimum Opening Deposit: $25
Monthly Maintenance Fees: $5
No monthly maintenance fee with an average daily balance of $500 or more.
Check Writing: Unlimited

VIP CHECKING - Chicago REGION

Eligibility : Any individual in Chicago region
Minimum Opening Deposit: $100
Monthly Maintenance Fees: $10
No monthly maintenance fee with a combined average daily balance of $30,000 in eligible accounts.
Check Writing: Unlimited
Interest Features: Variable rate¹. Interest will be compounded and credited monthly.

Electronic Banking³

24/7 electronic banking services including check account balance, transfer money, and bill pay.

Easy to send and receive money

Easily move money between your accounts

Custom Alerts

Customized alerts to help you react fast to important account changes. Helping you to protect your accounts and monitor your spending.

FDIC Insured

All deposits are FDIC insured and protected for up to $250,000 per depositor for each ownership category.

For more information or to apply, please visit any of our local branches today.

¹Royal Business Bank uses variable interest rates for checking, money market, and savings accounts, the interest rate and annual percentage yield (APY) for your account depend upon the applicable rate tier. The interest rate and APY for these tiers may change at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). To obtain the disclosed annual percentage yield, you must maintain a minimum average daily balance (ADB) required by the type of account. We use the ADB method to calculate interest on your account. If you close your account before interest is credited, you will not receive the accrued interest.
²Please consult your tax advisor regarding state specific rules.
³To access online or mobile banking, you must first enroll in our online banking services by visiting our branches. Internet, text and wireless data fees may apply depending on your plan, and Royal Business Bank charges no fees for our online and mobile banking services.