Personal Checking Accounts
Checking Accounts that Meet Your Needs
roynat capitol bank offers a variety of personal checking account options that are easy to use, will save you time, and provide peace of mind. Whether you’re looking for a basic checking account to meet your everyday banking needs or an account that comes with added perks like local shopping deals, health saving benefits, cell phone protection, roadside assistance, and more – we have the right checking solution for you.
We make it easy to open a personal account online. If you’re an existing customer, log in to online banking for a simplified account opening experience.
Preferred Checking
BEST VALUE
A checking account with a powerful new way to save you money on the things you’re already paying for. Gain access to exclusive discounts and personal protection benefits for added peace of mind..
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Opening deposit of $25
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Local discounts on shopping, dining, and travel
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Prescription, vision, and hearing discounts
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Cell phone protection
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Identity theft protection
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24/7 Roadside assistance
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All for only $7 a month
Elite Checking
A prestigious checking account that offers all of the money saving benefits of the Preferred account, plus it allows you to earn money with a competitive interest rate
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Opening deposit of $100
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All of the Preferred benefits PLUS.
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Earn money with interest on your balance
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Free ATM withdrawals nationwide1
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Free online or paper statements
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Low monthly service charge of $12
Basic Checking
An easy-to-use and straightforward account that helps you simplify your daily financial transactions.
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Opening deposit of $25
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Low monthly service charge of $5
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Low paper statement charge of $3
Student Banking
If you’re a student age 13-23, you qualify for a customized account packed with benefits and the digital tools you need.
Find the Right Savings Account
Our flexible savings accounts are perfect for helping you save money and achieve your financial goals faster.
Sign Up for Digital Banking
At roynat capitol bank, we’re dedicated to making it as easy as possible to manage your finances. That’s why we’ve developed and cultivated our digital banking platform. Digital banking gives you access to real-time information from the convenience of your computer or mobile device. Additionally, digital banking offers increased control over your money, letting you move cash between accounts, pay bills, turn your cards on or off, set alerts, and more!
Frequently Asked Questions
Logging in as a roynat capitol bank customer will save you time! We can import your existing customer information and reduce the number of steps in the application process.
You can easily open a Personal Checking, Personal Savings, Money Market Savings, and Student Savings account online. You may also open an account by contacting your local roynat capitol bank branch.
The disclosure and fee schedule provides a complete list of prices and fees associated with your roynat capitol bank personal checking account.
You can open a personal checking account with as little as $200.
Yes, each depositor is insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC guarantees all traditional types of deposit accounts (checking, savings, money market, and CDs) up to $250,000 per depositor and guarantees bank individual retirement accounts (IRAs) up to $250,000 per owner.
Yes, to set up a Direct Deposit or automated draft you will need the Bank’s Routing number and your account number. roynat capitol bank’s routing number is 053103585. You can find your account number on your statements or by calling your local branch.
Deposits made Monday through Thursday before 5:00 p.m. and Friday before 6:00 p.m. Eastern Time will be available the same business day. Mobile deposits made before 5:00 p.m. Eastern will be available the same day. Deposits are subject to verification and any applicable holds. Weekends and holidays do not apply.
You can get a copy of a check using Online Banking or by contacting your local branch.
If you suspect fraud on your account, please contact your local branch immediately. You may also report a lost or stolen card at (713) 712-5640
You can complete a stop payment request for a check using Online Banking, by contacting your local branch, or calling our Customer Care Center (713) 712-5640.