Business Accounts Royal Banks of Missouri

We offer a full range of commercial checking accounts – one is right for your business! Best of all, ALL of our accounts give you access to Cash Management and Online Statements.

Business Checking

Designed for businesses looking for a checking account tailored to their business. With Business Checking you have the option to pick services that you need, with convenience and affordability.

Features:

$100.00 minimum to open
No Minimum Balance Requirement
150 Transactions Free per month (includes all debit/checks, credits/deposits and deposited items). A $0.45 charge will apply for each transaction over 150 per month

Added Benefits:

Royal Banks of Missouri MasterCard^® Business Debit Card
Royal Banks Digital Banking Services
Business Bill Pay Tiers:
- Business Platform: $9.95/month – 20 included items – $.55 per item
- Consumer Platform: $5.95/month – 20 included items – $.40 per item
E-Statements Only
- A $15.00 monthly charge will apply if paper statement is requested

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Regular Commercial Checking

A checking account designed for businesses that have more activity than that of a business checking account. You receive an earnings credit for the monthly investable balance in your account each month.

Features:

$500.00 minimum to open
$17.50 monthly fee
Analyzed non-interest bearing account
Monthly service charge based on activity fee less earning allowance on average daily investable balance.
Earnings allowance based on 91 T-Bill account rate for the month
Transaction Fees:
- Credits/Deposits = $0.35 each
- Debits/Checks = $0.15 each
- Deposited Items = $0.10 each
- ACH Items = $0.15 each

Added Benefits:

Royal Banks of Missouri MasterCard Business Debit Card
Royal Banks Digital Banking Services
Business Bill Pay Tiers:
- Business Platform: $9.95/month – 20 included items – $.55 per item
- Consumer Platform: $5.95/month – 20 included items – $.40 per item
Overdraft protection (subject to application and approval)
E-Statements Only
- A $15.00 monthly charge will apply if paper statement is requested

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Organizational Checking

As a service to our community, we offer this account for our non-profit organizations.

Features:

$100.00 minimum to open
$1,000.00 minimum balance to avoid fees
$10.00 monthly fee for balances below $1,000.00
Non-interest bearing account
Transaction Fees – 150 Free – includes all debits/checks, credits/deposits, and deposited items (any transactions over the 150 per month are $0.25 each)

Added Benefits:

Royal Banks of Missouri MasterCard Business Debit Card
Royal Banks Digital Banking Services
Business Bill Pay Tiers:
- Business Platform: $9.95/month – 20 included items – $.55 per item
- Consumer Platform: $5.95/month – 20 included items – $.40 per item
E-Statements Only
- A $15.00 monthly charge will apply if paper statement is requested

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Business Sweeps

For companies seeking to increase returns on idle cash balances in on seamless customizable cash sweep program. Royal Banks Business Sweep Account is a cost-effective automated cash management tool.

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