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Personal Accounts

We have a variety of checking and savings accounts for your personal needs. View details below to find the best product to meet your financial goals.

Contact us to set up your accounts today!



A, basic, free checking account that comes with free Digital Banking, Bill Pay, MasterCard Debit™ card, and unlimited access to the Royal Banks of Missouri ATM network (over 200 ATMs nationwide).


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

Added Benefits:

Are you looking for a checking account that rewards you? The Royal Banks E-Global checking account is designed to do just that! It is a free, interest-bearing checking account.

All it takes is just three simple tasks each Statement Cycle to enjoy the perks of this account.


  • $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

Added Benefits:

Requirements (per statement cycle) to earn high 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

An interest-bearing account that gives you easy access to your money through ATMs, Digital Banking, and Bill Pay. The low monthly checking fee can be waived by maintaining a qualifying account balance. It’s the best value for your money!


  • $100.00 minimum to open
  • $1,000.00 minimum balance to avoid monthly fee
  • $10.00 monthly fee for balances below $1,000.00
  • Interest-Bearing Account- interest earned on daily collected balance (Fees may reduce earnings)
  • Check Imaging
  • Easy-to-balance monthly statement

Added Benefits:

High Yield Money Market (NEW MONEY ONLY)

New Funds Only!

This Money Market Account will be tiered and indexed to the 1-Year Treasury Rate. Treasury rate is determined using this site.

Open an account online to see how you can save!


$1,000 – $99,999.99           Float at 65%

$100,000 – $249,999.99     Float at 75%

$250,000 – $999,999.99       Float at 80%

$1,000,000 and Greater     Float at 80%

*Minimum Deposit to open is $1,000.

**This is a Variable Rate Account. Rates can change twice monthly. Fees may reduce earnings.

Enjoy the liquidity of a savings account, the return of a CD and convenient access to your funds at all times!


  • $100.00 minimum to open
  • $6.00 monthly fee for balances below $100.00
  • Easy to balance quarterly statement
  • Electronic Funds Transfer in excess of 6 per month are $7.12 each

Added Benefits:


Debit Cards:

The Royal Banks’  MasterCard™ Debit Card gives you a fast and easy way to pay!  With Royal Banks’  MasterCard™ Debit Card, you are worry free when you make a purchase!

You can elect to receive text or e-mail alerts on all your debit card transactions via the electronic device of your choice. If you wish to opt out, we will reduce your daily transaction availability to $500.00 at both the ATM and point of sale.

If you would like to receive text alerts, please Contact Us. You can also visit us at any of our Royal Banks of Missouri locations.

CSI Card Services 1-877-965-3344

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.


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