Open a new checking account at Royal Credit Union and earn a $400 bonus! Learn how to qualify and enjoy fee-free banking with Royal. The offer ends 12/9/2025.
Looking for a great bonus offer with your new checking account? Look no further than Royal Credit Union’s latest promotion! Right now, you can earn $400 just for opening a new checking account and meeting a few simple requirements. Whether you’re seeking a checking account with no monthly fees or one that earns dividends, Royal Credit Union has options for you.
Plus, you’ll enjoy access to great features like mobile banking, surcharge-free ATMs, and more. Let’s dive into how this offer works and why Royal Credit Union might be the right fit for your banking needs!
Key Takeaways
- Earn a $400 bonus with a new checking account at Royal Credit Union.
- Two direct deposits of at least $200 each are required to qualify.
- The account must remain open for six months to receive the bonus.
- Enjoy fee-free checking with Smart Checking or earn dividends with Smart Checking Plus.
- Access over 40,000 ATMs nationwide and free online banking.
How to Earn the $400 Bonus
To earn the $400 bonus, all you need to do is follow these steps:
- Open a New Checking Account: You must open a new personal checking account with Royal Credit Union. If you’ve had a checking account with Royal in the past 12 months, you won’t qualify.
- Set Up Direct Deposit: You’ll need to receive two qualifying direct deposits of at least $200 each from a paycheck, pension, Social Security, or other government benefits. The first deposit must occur within 60 days, and the second within 120 days of account opening.
- Maintain the Account: Keep your account open and in good standing for at least six months. Once you meet the direct deposit requirement, the $250 bonus will be deposited into your savings account within 10 days of the second qualifying deposit.
Account Options at Royal Credit Union
Royal Credit Union offers two great checking account options to choose from. Here’s a breakdown:
- Smart Checking: This account has no monthly fees and no minimum balance requirements, making it ideal for those who want a simple, cost-effective checking option. Plus, you’ll still earn the $250 bonus when you meet the requirements.
- Smart Checking Plus: If you prefer an account that earns dividends, Smart Checking Plus could be the right choice for you. There’s a $10 monthly fee if your balance falls below $700, but otherwise, you’ll enjoy dividend earnings and the same $250 bonus.
Both accounts come with access to online banking, mobile check deposit, a free debit card, and surcharge-free ATMs nationwide, giving you plenty of flexibility with your banking needs.
Trending Checking Account Deal:
How to Open an Account
There are multiple ways to open a checking account with Royal Credit Union:
- Online: The quickest and easiest way to open your new account is online. Just head over to their website, follow the prompts, and you’re all set.
- In-Person: Prefer a more personal touch? You can also schedule an appointment and visit a Royal Credit Union branch to open your account in person. Their friendly staff will walk you through the process.
- Mobile App: If you’re already a Royal Credit Union member, you can open a new account through their mobile app without needing to log in online.
Additional Perks of Royal Credit Union
In addition to the $250 bonus, Royal Credit Union offers a host of other perks for account holders, including:
- 40,000+ Surcharge-Free ATMs: Enjoy access to an extensive ATM network across the U.S., with no fees for withdrawals.
- Free Online and Mobile Banking: Easily manage your finances, pay bills, and deposit checks from the comfort of your home or on the go.
- Debit Card Compatibility with Digital Wallets: Use your Royal Credit Union debit card with mobile payment apps like Apple Pay, Google Pay, and Samsung Pay.
Trending Savings Account Deal:
Things to Keep in Mind
While the Royal Credit Union $250 bonus offer is excellent, there are a few important terms to be aware of:
- Direct Deposit Requirement: The bonus only applies if you receive two direct deposits of at least $200 each. Make sure your employer or benefit provider is set up for direct deposit.
- Account Closure: If you close your account before the six-month mark, you may forfeit the $250 bonus.
- One Bonus Per Member: This offer is limited to one account per member, so you won’t be able to double-dip by opening multiple accounts.
Our Take on the Royal Credit Union $400 Bonus
Royal Credit Union’s $400 checking bonus is a solid offer, especially for those looking for fee-free or dividend-earning checking accounts. With straightforward requirements and the flexibility to choose the account that suits your needs, it’s a deal worth considering. Plus, the added perks of mobile banking, surcharge-free ATMs, and a debit card compatible with digital wallets make it even more attractive. If you’re in the market for a new checking account, Royal Credit Union’s bonus could be the right move for you!
More Relevant Articles:
- Royal Credit Union Promotion: $250 Checking Bonus [MN, WI] – Ends 8/20/24
- Royal Credit Union $1,250 Money Market Bonus [MN, WI] – Ends 3/31/2023
Discover more from MoneysMyLife
Subscribe to get the latest posts sent to your email.
