Student Banking
Banking Designed With the Modern Student in Mind
It’s never too early to start managing your money wisely. roynat capitol bank offers student checking and savings account options to help you get started on the right financial path. Designed for ages 13-23,1 our Student Plus and Student accounts are simple to use and come with premium account perks. With these accounts you can bank on the go with Mobile Banking, Digital Wallet, and more! Plus, our Student accounts also come with a complementary Student Savings account to help you achieve your financial goals.
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.
Student Plus
BEST VALUE
Student Plus makes it easy to keep tabs on your finances. Designed with the modern student in mind, this account comes with extra perks to save you money.
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Opening deposit of $25
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Three free non-Fidelity ATM withdrawals per statement cycle2
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Prescription discounts, buyer's protection, and extended warranty3,4
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Cell phone protection3,4 and 24/7 roadside assistance
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Discounts on shopping, dining, and travel
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Free VISA® debit card with fraud Alerts
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Low monthly service charge of $3
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Low paper statement charge of $35
Student
With Student Checking from roynat capitol bank, get all the features you want and need without the fees.
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Opening deposit of $25
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Three free non-Fidelity ATM withdrawals per statement cycle2
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Prescription discounts, buyer's protection, and extended warranty3,4
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Free VISA® debit card with fraud Alerts
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No monthly service charge
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Low paper statement charge of $35
Student Savings
Our Student Savings account makes it easier than ever to start saving for your future.
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Opening deposit of $25
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No monthly service charge
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Designed for ages 13-23, no co-signer required6
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Two withdrawals a month at no charge7
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Use for overdraft protection on Student Checking account8
Financial wellness starts with smart saving habits. Enhance your student experience with the roynat capitol bank Student Savings Program. Students can access a range of banking services designed to help them manage their finances effectively. These services include savings accounts with competitive interest rates, digital banking tools, financial wellness check-ups, discounts on select loans, and much more!
Plus, students can benefit from no monthly maintenance fees when they open a qualifying student account. It’s a great way to start building financial independence while enjoying all the perks!
roynat capitol bank has been very good to us for many, many years. We’ve enjoyed working with them to help support our local community.
Digital Banking Makes It Easy
Your world is made simpler with the help of technology, and banking is no different. Digital banking with roynat capitol bank lets you do many of your banking tasks conveniently from your mobile device. Get secure access to your accounts so you can manage your money anywhere, anytime with Mobile Banking. Easily make payments using Digital Wallet. Get money into your account faster with Mobile Deposit. Send money securely with Zelle®. Digital banking makes it easy to do it all from your phone or computer.
Security You Can Count On
When beginning your financial journey, security is likely on your mind. roynat capitol bank offers just as much trusted protection for student checking and savings accounts as we do for all of our banking options. That includes Alerts that tell you when any activity happens in your accounts so you can keep a close eye on what money is coming and going. It also includes CardControl, which lets you quickly turn your debit card on and off to guard against fraud in case your card is lost or stolen. We offer account management and budgeting tools as well to help you make the most of your money.
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 Care Center (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.