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Business Accounts

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 (Bill Pay $5.95 Monthly (Bill Pay includes 20 bills per month, each additional $.40 each) Cash Management services available - $45.00 Monthly)
•E-Statements Only
◦A $15.00 monthly charge will apply if paper statement is requested

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:
o Credits/Deposits = $0.35 each
o Debits/Checks = $0.15 each
o Deposited Items = $0.10 each
o ACH Items = $0.15 each

Added Benefits:
• Royal Banks of Missouri MasterCard Business Debit Card
• Royal Banks Digital Banking Services (Bill Pay $5.95 Monthly (Bill Pay includes 20 bills per month, each additional $.40 each), Cash Management $45.00 Monthly)
• Overdraft protection (subject to application and approval)
•E-Statements Only
◦A $15.00 monthly charge will apply if paper statement is requested

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 (Bill Pay $5.95 Monthly (Bill Pay includes 20 bills per month, each additional $.40 each), Cash Management $45.00 Monthly)
•E-Statements Only
◦A $15.00 monthly charge will apply if paper statement is requested

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.

 

Debit Card Alerts Now Available

We are pleased to announce Royal Banks of Missouri will enhance our debit card product. You will start receiving e-mail alerts on all your debit card transactions. You can elect to receive text alerts via the electronic device of your choice.

Credit and debit cards are easy targets for fraud. Alerts will provide a method to keep our clients from becoming victims of fraud and help you monitor your account and transactions in a personalized, real-time manner.

At Royal Banks of Missouri, our top priority is the security of your vital account and personal information. This product enhancement features an easier way for you to track and monitor online, point of sale and recurring monthly transactions associated with your Royal Banks of Missouri Debit Card.

If you would like to receive text alerts, please contact us at our Contact Us Page and select the Card Alert option to let us know. Please include your electronic device phone number with your request.

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