Checking Accounts
What is the minimum balance of a Smart Checking?
$0
What is the maximum number of accounts a member can have?
There is no limit!
What is the interest rate on a Kwik Cash?
18%
How many branches does Royal have?
26
What is the minimum balance of a Smart Checking Plus?
$700
What is the minimum balance in a secondary savings account?
$0
What is the minimum monthly payment on a credit card?
2% or $25, whichever is greater.
How many actions does a member have to do in OLB in order to be digitally engaged?
3, go-to's are paperless statements, RDC, and card management
How many checks can you get for free after opening a new checking?
40 free checks
What is our current rate on our PBS?
.4%
What determines our interest rate margin?
What are 2 calculators available on RCU.org? (There are 12 total!)
CD Interest, CD Comparison, How much do I need to save for college?, How much will I need to save for a major purchase?, How much can I afford to borrow?, How long will it take to pay off my credit card?, How long will it take to pay off my loan?, How much will my loan payment be? Should I consolidate my loans?, Auto or Equity loan?, How soon can I eliminate my debts?, How much car can I afford?
What is the difference between a smart checking and a smart start checking account?
Smart start gets 2 annual NSF fee forgiveness whereas smart just gets 1
What is our kid's savings account program for ages 12 and under called?
Kid's Club
Automatic payments on student loans may qualify for what % of a rate reduction?
.25%
How many fee-free ATMs are our members able to use nationwide?
over 40,000!
How much is the fee for going below $700 in a smart checking plus? How often is this fee charged?
$10, Monthly
What do you need in order to open an HSA?
A high deductible health plan (HDHP)
First-time homebuyers could receive $250 if they do what?
Make 6 on time payments from a Smart Start Checking account
How much can someone claim for AD&D Insurance?
up to $1000