Looking for one of the best rates on a free checking account? Royal Banks of Missouri’s Majestic Checking Account is worth a look. The bank offers a 4.3% annual percentage yield (APY) on the checking account.
Other details of the offer include:
- $100 minimum to open
- No minimum balance required
- No monthly service fee
The 4.3% APY applies to checking account balances up to $24,999. Balances above that amount receive a bank rate of 1.4% APY. The bank rate falls to 0.15% APY if you don’t meet all the requirements.
To earn the best rates you need to make 10 point of sale debit transactions and one direct deposit and/or ACH Debit/Credit transaction during each statement cycle. You also must receive statements online.
The checking account also offers free access to ATMs nationwide if you meet all the requirements of the account. You can receive a refund of up to $25 of non-Royal Banks of Missouri ATM charges at the end of the statement cycle. Fees are not refunded if you don’t meet all the requirements.
The checking account also offers a MasterCard debit card, free online banking, and bill pay. If you qualify, you can also get a no annual fee Royal Banks credit card.
The bank is a unit of Royal Bancshares Inc., which is based in University City, Mo.
- 6 Month CD %
- 1-year CD %
- 2-year CD %
- Money Market Account %
- Savings Account %
- 30-year Fixed Mortgage 3.62 %
Bank rates provided by MoneyRates.com based on average rates for deposits under $10K and conforming mortgage rates
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