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Personal Accounts

We have a number of checking and savings accounts for your personal needs. Please 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:

The “Plus” says it all. Get all the RoyalChek account benefits, plus a whole lot more!


  • $100.00 minimum opening balance
  • No minimum balance required
  • Interest-Bearing Account
  • $6.00 monthly fee
  • Free personalized checks- as long as the account is active
  • Check Imaging- allowed 6 per month at no charge
  • Easy-to-balance monthly statement

Added Benefits:

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:

Enjoy all the benefits of our Personal Savings Account with the ability to write checks to access your money.


  • $1,000.00 minimum to open
  • $12.00 month fee for balances below $1,000.00
  • Investment Account- Money Market rate (fees may reduce earnings)
  • Easy to balance monthly statements
  • Free Direct Deposit
  • 6 transfers and/or withdrawals allowed per month*

Added Benefits:

*Six transactions allowed each statement period. There is a $13.12 fee for each check or transfer in excess of the allowed transactions. Unlimited Deposits are allowed by mail or in person.

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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