Royal Credit Union

Name: Royal Credit Union
Rating: 4.8 (13721 reviews)
Author: Royal Credit Union

Finance

Free

14K Ratings
Ages

4+
Years
Category

Finance
Developer

Royal Credit Union
Language

EN
+ 1 More
Size

90.8
MB

Get real-time balance and transaction alerts, access your accounts, make transfers, deposit checks and much more! With the Royal Credit Union mobile app, banking on the go is free, convenient, and secure! A combined login experience allows Members with both personal and business accounts to use a single app. Members may save a separate username and password for personal and business accounts. After logging in, users will see separate personal and business experiences. TOP FEATURES: - Real-time balance and transaction alerts - Touch ID® or Face ID® login on supported devices - Camera check deposit with multi-check capability and auto image capture - Schedule Appointment option for office appointments MANAGE YOUR ACCOUNT: - Check balances and transactions on all devices, including Apple Watch® - Freeze your Royal debit or credit card - Easily transfer funds or make payments - Pay bills with Pay a Bill/Bill Pay - Manage your Royal credit card - Pay other people - View account statements or cleared checks - Stop payment on checks - For business experience users, admins may manage business users and complete approvals MORE FEATURES: - Open a new account or apply for a new loan - Send a secure message and get answers or help - Check your FICO® score - Find a nearby Royal office or ATM location - Sign up for online banking - Find Royal’s routing number SAFE, SECURE BANKING: - Industry-standard encryption for safe mobile access - Last login popup for enhanced security Loans subject to credit approval. Insured by NCUA. Equal Housing Opportunity.

Ratings & Reviews

4.8

out of 5

14K Ratings

Bad online banking capabilities. Read why!
10/19/2024

John Yong Lee
I switched to credit union banking about three years ago in the hope that it would be easier. It’s not. The reason is because Royal Credit Union’s online banking app is often shut down due to maintenance purposes or for 3rd party evaluations to “verify” their customers like just now that I can’t even log into my online banking app to transfer money from savings account to checking account for gas (I often transfer money between the two accounts to help me better regulate my spendings, etc). This is scary! Imagine going overseas and you have to transfer money between the two accounts and have this issue. This happens way too often and not just a once-in-a-while thing lately! I’ll be switching back to Wells Fargo and just work my way up to paying off debts and buying my first house and not having to deal with these online banking shut downs anymore!
Bad online banking capabilities. Read why!
10/19/2024

John Yong Lee

I switched to credit union banking about three years ago in the hope that it would be easier. It’s not. The reason is because Royal Credit Union’s online banking app is often shut down due to maintenance purposes or for 3rd party evaluations to “verify” their customers like just now that I can’t even log into my online banking app to transfer money from savings account to checking account for gas (I often transfer money between the two accounts to help me better regulate my spendings, etc). This is scary! Imagine going overseas and you have to transfer money between the two accounts and have this issue. This happens way too often and not just a once-in-a-while thing lately! I’ll be switching back to Wells Fargo and just work my way up to paying off debts and buying my first house and not having to deal with these online banking shut downs anymore!
Love this app
04/16/2018

Justlorie
I love this app because it enables me to deposit checks I receive instantly without driving to the bank. I also love the ability to check all my accounts any time I wish with the touch of a finger.Sometimes though it has issues capturing the image of the back of the check accurately and displaying an error message about the size of the back image isn't the same as the size of the front one, which results in me closing out the app and restarting it after several failed attempts. I've kinda gotten used to it however annoying it is...
Love this app
04/16/2018

Justlorie

I love this app because it enables me to deposit checks I receive instantly without driving to the bank. I also love the ability to check all my accounts any time I wish with the touch of a finger.Sometimes though it has issues capturing the image of the back of the check accurately and displaying an error message about the size of the back image isn't the same as the size of the front one, which results in me closing out the app and restarting it after several failed attempts. I've kinda gotten used to it however annoying it is...
Making Principal payments to loans
11/02/2020

Md921906
I usually do everything from banking to paying bills through the rcu app. When paying my mortgage I have the option of making a regular payment or just a principal payment which is GREAT being that I tend to pay more than just the minimum payment on my loans but when it comes to my auto loans the principal payment option isn’t available...why?!? I have to drive out of my way to an RCU branch just to be able to make my payment as well as add the rest of my payment to the principal amount. Please make an update allowing principal payments to auto/recreational vehicle loans on the app so that I don’t have to drive 13 miles out of my way to go to a branch in a town that I otherwise don’t ever go to. I dread having to go to the bank so when I don’t have to I use the app for everything else and is awesome! If the principal option is added to auto/recreational vehicle loans I would give 5 stars to this app and even more if possible!

Developer Response
Hello and thank you for taking the time to leave a review! We appreciate your feedback and are passing this suggestion on to our development team. In the meantime, while not as convenient as allowing a principal-only payment from the app, principal-only payments are an option by phone at 800-341-9911. Thanks for choosing Royal Credit Union!
Making Principal payments to loans
11/02/2020

Md921906

I usually do everything from banking to paying bills through the rcu app. When paying my mortgage I have the option of making a regular payment or just a principal payment which is GREAT being that I tend to pay more than just the minimum payment on my loans but when it comes to my auto loans the principal payment option isn’t available...why?!? I have to drive out of my way to an RCU branch just to be able to make my payment as well as add the rest of my payment to the principal amount. Please make an update allowing principal payments to auto/recreational vehicle loans on the app so that I don’t have to drive 13 miles out of my way to go to a branch in a town that I otherwise don’t ever go to. I dread having to go to the bank so when I don’t have to I use the app for everything else and is awesome! If the principal option is added to auto/recreational vehicle loans I would give 5 stars to this app and even more if possible!
Developer Response 11/09/2020
Hello and thank you for taking the time to leave a review! We appreciate your feedback and are passing this suggestion on to our development team. In the meantime, while not as convenient as allowing a principal-only payment from the app, principal-only payments are an option by phone at 800-341-9911. Thanks for choosing Royal Credit Union!
Fix check deposit
04/12/2023

wreck em wrex
I get a lot of checks and have a pretty good system down for depositing checks. But lately y’all are telling me the from and back of the check aren’t the same size. Folks, I don’t move my phone or my check from the little cradle I’ve built for this. When I try to manually take a picture, it doesn’t focus. And other times, it gives me an image that looks like there was a picture at one point, but then one side was digitally squeezed to a point and everything is distorted. It shouldn’t take me 15 minutes to deposit a check. It has taken me such a long time to deposit checks that I built a cradle for my phone. But now you’ve managed to make that not enough. Now I have to take the time out to write this review because I hope I can reach out to someone and let them know that this is a problem.

Developer Response
Thank you so much for leaving a review and bringing this to our attention. We apologize for the issues you are experiencing and are working with our development team to correct this as soon as possible. - Alexis & The Royal Team.
Fix check deposit
04/12/2023

wreck em wrex

I get a lot of checks and have a pretty good system down for depositing checks. But lately y’all are telling me the from and back of the check aren’t the same size. Folks, I don’t move my phone or my check from the little cradle I’ve built for this. When I try to manually take a picture, it doesn’t focus. And other times, it gives me an image that looks like there was a picture at one point, but then one side was digitally squeezed to a point and everything is distorted. It shouldn’t take me 15 minutes to deposit a check. It has taken me such a long time to deposit checks that I built a cradle for my phone. But now you’ve managed to make that not enough. Now I have to take the time out to write this review because I hope I can reach out to someone and let them know that this is a problem.
Developer Response 05/30/2023
Thank you so much for leaving a review and bringing this to our attention. We apologize for the issues you are experiencing and are working with our development team to correct this as soon as possible. - Alexis & The Royal Team.

This update includes various enhancements and bug fixes.

Version 2025.10.1.1 11/10/2025

Data Linked to You

The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
- Other Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Location

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller: Royal Credit Union
Size: 90.8 MB
Category: Finance
Compatibility: Requires iOS 16.0 or later.

iPhone
Requires iOS 16.0 or later.

iPad
Requires iPadOS 16.0 or later.

Apple Watch
Requires watchOS 5.2 or later.
Languages: English and Traditional Chinese
Age Rating: 4+

4+

Learn More

Developer Website

Privacy Policy

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Royal Credit Union

Ratings & Reviews

Bad online banking capabilities. Read why!

Love this app

Making Principal payments to loans

Fix check deposit

What’s New

App Privacy

Data Linked to You

Data Not Linked to You

Accessibility

Information

You Might Also Like

WESTconsin Credit Union

Blaze CU Mobile

Wings Mobile

Affinity Plus Mobile Banking

TruStone Mobile

Associated Bank Digital

CoVantage Credit Union

Scheels Visa Card

TopLine Financial Credit Union

Altra Mobile