Insured by NCUA. ¹Receive a $250 bonus after opening a new checking account between 3/1/2025 and 5/31/2025 and receiving two direct deposits. Membership qualification required. Business checking accounts are not eligible. Members with existing Royal checking accounts or with a previous Royal checking account in the last 12 months do not qualify. New checking account must receive two qualifying direct deposits of at least $200 each from a paycheck, pension, Social Security, or government benefit electronically deposited into the account from an employer or outside agency. Both deposits must occur within 120 calendar days of account opening. Account must remain open for six months. Must open and be primary on a Primary Base Savings account. Incentive will be deposited into the qualifying Member’s Primary Base Savings account within 10 calendar days after the second qualifying deposit. Royal reserves the right to withhold or reclaim incentive if qualifications are not met based on Royal’s sole discretion. Limit of one account per Member may be included in promotion. The incentive is subject to federal and state tax requirements, which are account holder’s responsibility. Royal reserves the right to end this promotion at any time. Offer cannot be combined with any other Royal checking account offers. No minimum balance to open a checking account. Fees could reduce the balance and earnings on the account. Other conditions or restrictions may apply. Refer to our disclosures and service fees for more information. ²APY=Annual Percentage Yield. No minimum balance required open Duo account or earn APY. APY current as of 4/3/25, last changed 2/28/25. APY subject to change at any time without notice.