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Digital Banking

Access your accounts wherever and whenever you want.
All you need is your computer or mobile device to get started!


  • Check balances, account activity and check images
  • View last 3 months of account statements
  • Transfer money between Royal Banks of Missouri accounts and External Accounts*
  • Utilize Bill Pay to pay bills or individuals**
  • Send money to another person instantly (P2P)***
  • Manage debit cards
  • Mobile Deposit

Royal Banks of Missouri offers Digital Banking free of charge. The Royal Banks of Missouri Mobile App is needed to utilize Digital Banking. Check with your wireless carrier for any fees that may apply. Please CLICK HERE to read the disclosure and agreement for Digital Banking. Please CLICK HERE to see a list of our Frequently Asked Questions.

*External Accounts access must be requested by contacting the bank. External accounts require set up and verification. $2 fee per transfer applies.
**Bill Pay for business accounts is $5.95 per month
***To utilize P2P transfers, you will need to have an active Royal Banks of Missouri MasterCard Debit Card Linked to a Royal Banks of Missouri Checking Account. Your account needs to have the funds available in the Royal Banks of Missouri Checking Account to process the transfer request.


Questions? Call our Digital Banking Customer Service Representative at (314) 931-0400.

Mobile Deposit LimitsP2P Limits

Max Deposit Amount:

Single Transfer Min: $5.50

$3,000 per day / $6,000 per week / $10,000 per month

Single Transfer Max: $1,000

Max Checks Deposit:

Daily Max: $1,500

7 per day / 12 per week / 15 per month

7 Day Max: $2,500

30 Day Max: $5,000

Text Banking (662265)

With Royal Banks of Missouri’s Text Banking you will be able to send text messages* to:

  •     Check balances
  •     View recent transactions

You must be an Online Banking user in order to utilize Text Banking.

*Check with your carrier for any fees that may apply.

BAL [returns balance of default account]
BAL ALL [returns balance of all accounts]
ACT [returns activity on default account]
CMD [returns description of all commands]
HELP [provides phone number for support]

Royal Telephone Banking Line  1-800-811-8157

Re-Pin Debit Card 1-877-965-3344

Chat with a representative