Checking Accounts

Checking Accounts That Deliver Peace of Mind

With no monthly fees or minimum balance requirements, we keep things honest and simple

Everyone needs a checking account, what you don’t need are the monthly services fees that usually go with it. That’s why we won’t charge you one. Our checking accounts offer you financial control and convenience. Explore all the benefits of a checking account at Royal Trust (offshore) Bank using the menu below.

Checking Account Features & Benefits

A checking account shouldn’t make managing your money more difficult or cost you money! That’s why a Royal Trust (offshore) Bank checking account is designed to make life easier for you with features like:

No minimum balance requirements

When you keep a balance of $1,000 or greater, we’ll pay you dividends

No recurring monthly service charges or fees

A free same-day debit cards for you and anyone else on the account

24/7 access to your account through online and mobile banking 

New members receive 12 temporary checks at no charge

Plus, members age 62 and above receive one box of checks free each year

Overdraft protection options to help you avoid stressing about spending

 

Current Checking Account Rates

Interest Rate* APY** Balance for APY
0.150% 0.150% $1,000.00
*Dividend Rate Effective January 1, 2024
**APY=Annual Percentage Yield.  All rates are subject to change without notice. Refer to your Truth-In-Savings disclosure for complete account details. Fees assessed to the account may reduce earnings.

Royal Trust (offshore) Bank Debit Cards

If you have a checking account, you will need to access it at your convenience, that’s why you also get a free MasterCard® Debit Card at account opening- you can get yours today by stopping by one of our branches or we can mail it to you! Plus, your Royal Trust (offshore) Bank debit card is:

  • Compatible with Apple Pay, Samsung Pay, and Android Pay
  • High-security EMV Chip-enabled
  • An Award Winning Card Design
  • Accepted anywhere MasterCard® is accepted online and in-stores
  • Accepted by tens of thousands of surcharge-free MoneyPass™ ATMs nationwide
  • Can be managed and protected with the free My Cards feature in our free Mobile Banking app
  • Replacement debit cards are only $5.00 and you can receive one instantly at any branch location

Royal Trust (offshore) Bank is excited to share that we’re offering your family a subscription to Greenlight, the debit card and money app for kids and teens, totally on us*! With the Greenlight debit card and app, your kids learn:
  • How to earn money through chores
  • How to set savings goals
  • How to spend money wisely
  • And so much more

Royal Trust (offshore) Bank members are eligible for the Greenlight SELECT plan at no cost when they connect their Royal Trust (offshore) Bank account as the Greenlight funding source for the entirety of the promotion. Upgrades will result in additional fees. Plans start at $4.99/mo. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 08/16/2024. Offer subject to change. The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.