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Skip Navigation LinksPersonal Banking | Checking | Majestic Checking

Majestic Checking

Are you looking for a checking account that actually rewards you?  The Royal Banks of Missouri Majestic checking account is designed to do just that!  It is a totally free, interest bearing checking account.  You are just asked to do three simple things each Statement Cycle in order to enjoy all the perks of this account.

Features:

  • $100.00 minimum to open
  • No minimum balance once opened
  • No monthly service fee
  • 1.85% Annual Percentage Yield (APY) earned on daily collected balances up to $24,999.99**
    Rate Accurate as January 17, 2014  (fees may reduce earnings)
  • ATM access nationwide
  • Easily accessible Online Statements

Added Benefits:

Requirements (per statement cycle) : 

    
  • 12 Signature based transactions**
  • 12 Transaction must be a minimum of $5.00 or Greater (ATM Transactions do not count towards this requirement)
  • 1 Direct Deposit and/ or ACH Debit/Credit
  • E-Statements (must provide valid email address)

**A Signature Based Transaction occurs anytime your Royal Banks of Missouri MasterCard Debit Card is swiped to complete a Transaction and you do not enter a PIN.  Also, if a cashier asks you would like the transaction ran as Credit or Debit, you need to instruction them to process the transaction as Credit.

*If you meet the above requirements each Statement Cycle, you will be refunded up to $25.00 in foreign ATM service charges at the end of the current statement cycle.  If you fail to meet the above requirements, all foreign ATM fees incurred will not be refunded.

The Statement Cycle runs the Wednesday (a calendar day) that follows the 2nd Tuesday of month to the 2nd Tuesday of the month.   The Qualification Cycle runs from the 2nd Tuesday (a business day) of the month to one Business Day Prior to the 2nd Tuesday.  For a Transaction to count, it must be processed and posted to your account. 

**1.85% APY will be paid on balances up $24,999.  For balances $25,000 and over, a rate of 0.40% APY will be applied to the portion that exceeds $25,000 which will in effect blend the overall interest rate {Example: $99,999.99 Balance would result in a blended Annual Percentage Yield (APY) 0.76%}.  In addition, if you do not meet the requirements, the interest rate will drop to .15% APY for that statement cycle

Rates may change after opening the account.


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