Royal Credit Union 4+

Royal Credit Union

    • 4.8 • 8.4K Ratings
    • Free


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!

- Real-time balance and transaction alerts
- Touch ID® or Face ID® login on supported devices
- Camera check deposit with auto image capture
- Schedule Appointment option for office appointments

- 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 Bill Pay
- Manage your Royal credit card
- Pay other people
- View account statements or cleared checks
- Stop payment on checks

- 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

- Industry-standard encryption for safe mobile access
- Last login popup for enhanced security

Insured by NCUA. Equal Housing Opportunity.

What’s New

Version 2021.11.0.115

Continued enhancements and bug fixes to improve our app.

Ratings and Reviews

4.8 out of 5
8.4K Ratings

8.4K Ratings

Justlorie ,

Love this app

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...

Md921906 ,

Making Principal payments to loans

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!

Cancel since all are taken ,

Mobile check deposit is not working good!

I deposit about 6 checks at the beginning of each month. The picture for the back of the check seemed to be a lot more difficult to capture and be “acceptable”. Even though it had a clean copy of the back and endorsement it continued to say retake the image on every check multiple times per check.

Developer Response ,

Are you still having this issue? Please call 800-341-9911 and we can help troubleshoot with you.

App Privacy

The developer, Royal Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

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

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