Royal Credit Union 4+

Royal Credit Union

    • 4.8 • 11.2K 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!

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.

- 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

- 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

- 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

Loans subject to credit approval. Insured by NCUA. Equal Housing Opportunity.

What’s New

Version 2024.4.0.6

This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience.

Ratings and Reviews

4.8 out of 5
11.2K Ratings

11.2K 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!

wreck em wrex ,

Fix check deposit

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.

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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