personal Savings Accounts
Make the Most of Your Money
roynat capitol bank wants to help you plan for the future. We know that having a savings account tailored to your needs will help you gain financial security and success. Make the most of your hard-earned money with a wide variety of competitive and flexible savings account options, wherever you are on your financial journey.
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.
Young Savers
Help your child establish good financial habits and learn the benefits of saving money.
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Opening deposit of $25
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Competitive interest rates
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No monthly service charges
Personal Savings
Watch your money grow with a competitive interest rate and easy access when you need it.
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Opening deposit of $25
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Competitive interest rates
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Low $4 monthly service charge
Individual Retirement Accounts
Gain peace of mind in knowing you are financially prepared for the future.
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Opening deposit of $100
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Potential tax advantages
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Competitive tiered interest rates
Certificate of Deposit
Choose the investment term that helps you reach your financial goals and enjoy the added security of an FDIC-insured product and fixed interest.
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Opening deposit of $1,000
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Fixed interest rates
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Terms available from 7 days to 60 months
Money Market Savings
Get the most out of your money with tiered interest rates and easy access to your funds.
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Opening deposit of $1,000
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Tiered interest rates
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Unlimited in-person withdrawals
Money Market Investment
Enjoy the convenience of writing checks while maximizing your earning potential with premium tiered interest rates on larger account balances.
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Opening deposit of $25,000
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Premium tiered interest rates
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Unlimited in-person withdrawals
Need a Checking Account?
We offer a variety of checking accounts to meet your needs. Our convenient checking accounts are perfect for helping you manage your money. Explore more about each of our checking accounts to see which one is the best for you.
Bank on the Go With Digital Banking
Convenience is key for your busy life. That’s why roynat capitol bank makes it easy to bank on the go with our variety of digital banking services. Access and manage your accounts anytime, anywhere from your computer or mobile device. Gain peace of mind with Alerts and CardControl so you can monitor your cards and account activity from anywhere. Make fast, secure payments with Digital Wallet, and send money to friends and family using Zelle®.
Frequently Asked Questions
Please contact your local roynat capitol bank branch to open a personal account.
This is a list of the general information that may be needed to open a personal account at roynat capitol bank: Name of the personal, Tax identification number, Legal structure (e.g. LLC, Partnership, Corporation), Validation of personal existence (e.g. personal governing documents, articles of corporation/organization, partnership agreement, court documents, state registry verification, etc.), State of formation, Nature of personal (e.g. construction, health care, etc.), Mailing and physical address (if different), Contact phone number, Purpose of account (e.g. operating, payroll, etc.), Expected level of cash activity (e.g. under/over $10,000/mo.). Certain accounts may require additional information.
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 personal 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 (713) 712-5640.
Deposits made Monday through Thursday before 5:00 p.m. and Friday before 6:00 p.m. Eastern Time will be available the same personal 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.