Personal Accounts

Features:

• No monthly fee
• $100.00 minimum to open
• No minimum balance required
• Easy-to-balance monthly statements

Added Benefits:

• Royal Banks of Missouri MasterCard Debit Card
• Free Royal Banks Digital Banking and Bill Pay
• Access to Royal Banks ATM Network at no cost
• RoyalLine (telephone banking)
• Online Statements (eStatements)
• No annual fee Royal Banks Credit Cards (subject to application and approval)

Features:

• $100.00 minimum opening balance
• No minimum balance required once opened
• No monthly service fees
• No per-check charge
• Easily Accessible Online Statements
• Easy-to-balance monthly statements
• Unlimited check writing
• Refunded foreign ATM fees up to $25.00 per qualification cycle (if below requirements are met)

Added Benefits:

• Royal Banks MasterCard™ Debit Card
• Free Royal Banks Digital Banking and Bill Pay
• Access to Royal Banks ATM Network at no cost
• RoyalLine (telephone banking)- 5 Free per month
• Online Statements (eStatements)- See your banker for details
• No annual fee Royal Banks Credit Cards (subject to application and approval)

Requirements (per statement cycle) to earn the highest rates of interest:

• Make 12 signature-based debit card transactions per “qualification cycle”
• 12 debit card transactions must be a minimum of $5.00 or greater
• Digital or Electronic Statements
• 1 direct deposit and/or ACH debit/credit

Call (314) 212-1500 or visit a Royal Banks of Missouri branch for more information about current interest rates, applicable fees, and terms.
*$3.00/month fee for paper statements.

Features:

• $100.00 minimum to open
• $6.00 monthly fee for balances below $100.00**
• Easy to balance quarterly statement
• 6 transfers or withdrawals or checks to third parties are allowed each statement period. There is a $7.12 fee for each check/transfer in excess of the allowed transactions.***

Added Benefits:

• Royal Banks ATM Card
• FREE Royal Banks Digital Banking
• Online Statements (eStatements) – see your personal banker for more details
• No annual fee Royal Banks Credit Cards

**$6.00/month fee for balances that fall below $100.00 any day of the month.
***During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar to a third party. There is a $7.12 fee
for each transaction of this nature in excess of 6 per month.