No monthly fees. No minimum balance. Just simple, smart checking that works for you.
No Monthly Fees Ever
Keep more of your money with zero monthly maintenance fees and no minimum balance requirements.
Account Features
✔ No Monthly Fees: Zero maintenance charges, ever
✔ Free Debit Card: Earn 1% cashback on all purchases
✔ Free ATMs Worldwide: No fees at any ATM globally
✔ Mobile Deposit: Deposit checks instantly from your phone
✔ Instant Transfers: Send money to anyone instantly
✔ Overdraft Protection: Optional protection available
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ROYALE DIRECT
💎 Credit Cards
Rewards That Matter
Earn 3% cashback on every purchase with our premium rewards credit card. No annual fee, ever.
$200 Welcome Bonus + 3% Cashback
Get $200 after your first purchase, then earn 3% cashback on everything you buy.
Card Benefits
✔ 3% Cashback: On all purchases, no categories to track
✔ No Annual Fee: Ever. Seriously.
✔ $200 Bonus: After your first purchase
✔ Travel Insurance: Comprehensive coverage included
✔ Extended Warranty: Double manufacturer warranty
✔ Fraud Protection: 24/7 monitoring and $0 liability
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ROYALE DIRECT
🚗 Auto Loans
Drive Your Dream Car Today
Get competitive rates on new and used car loans with flexible payment terms that fit your budget.
Special Offer: Rates as low as 3.99% APR
Apply now and get pre-approved in minutes with no impact to your credit score.
Why Choose Our Auto Loans?
✔ Competitive Rates: Starting at 3.99% APR for qualified borrowers
✔ Quick Approval: Get pre-approved in minutes, not days
✔ Flexible Terms: Choose loan terms from 12 to 84 months
✔ No Prepayment Penalty: Pay off your loan early without fees
✔ High Loan Amounts: Finance up to $100,000
✔ New & Used: Financing available for both new and used vehicles
How It Works
1. Apply Online: Fill out our simple application in 5 minutes
2. Get Pre-Approved: Receive your decision instantly
3. Shop with Confidence: Know your budget before visiting dealers
4. Finalize Your Loan: Complete the process and drive away!
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ROYALE DIRECT
🏠 Mortgage Loans
Your Home. Your Way.
Competitive mortgage rates with personalized service every step of the way to homeownership.
Rates Starting at 3.25% APR
Get pre-qualified in minutes and find the perfect mortgage for your dream home.
Mortgage Options
✔ Fixed-Rate Mortgages: Predictable payments for 15 or 30 years
✔ Adjustable-Rate Mortgages: Lower initial rates that adjust over time
✔ First-Time Homebuyer: Special programs with low down payments
✔ Refinancing: Lower your rate or tap into equity
✔ Local Experts: Dedicated loan officers in your area
✔ Fast Approval: Get approved quickly with our streamlined process
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ROYALE DIRECT
🏡 Home Equity
Unlock Your Home's Value
Tap into your home equity with flexible lines of credit and competitive rates.
Borrow Up to 90% of Your Home's Value
Low rates, no closing costs, and flexible repayment terms.
HELOC Benefits
✔ High Loan-to-Value: Borrow up to 90% of your home's value
✔ Competitive Rates: Lower rates than credit cards or personal loans
✔ No Closing Costs: Keep more money in your pocket
✔ Flexible Access: Borrow what you need, when you need it
✔ Online Management: Easy access to your account 24/7
✔ Tax Benefits: Interest may be tax-deductible
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ROYALE DIRECT
🏘️ Real Estate Agent Services
Find Your Perfect Home
Connect with top-rated real estate agents in your area.
Expert Agents. Local Knowledge. Your Success.
Get connected with experienced agents who know your market.
Agent Services
✔ Certified Network: Pre-vetted, licensed agents
✔ Local Expertise: Deep knowledge of your market
✔ Exclusive Listings: Access to properties not yet on MLS
✔ Expert Negotiation: Get the best deal possible
✔ Free Valuations: Know your home's true market value
✔ Personalized Service: Custom home search tailored to you
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ROYALE DIRECT
Get Started with RoyaleDirect
Welcome to RoyaleDirect - where your financial future begins.
🔒 Secure Banking
Your money is protected by military-grade encryption.
⚡ Instant Access
Open your account in minutes. No paperwork.
💎 Premium Benefits
Cashback rewards and travel benefits.
🌍 Global Banking
Access your money anywhere in the world.
How to Get Started:
Step 1: Fill out our simple online application
Step 2: Verify your identity with a government-issued ID
Step 3: Fund your account with an initial deposit
Step 4: Start banking immediately!
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ROYALE DIRECT
Money rooted in trust. Grown with vision
At RoyaleDirect, we believe banking should be simple, transparent, and designed around your needs.
500K+
Happy Customers
$50B+
Assets Protected
99.9%
Uptime
24/7
Support
Our Mission
To revolutionize banking by putting customers first with cutting-edge technology and personalized service.
Why Choose RoyaleDirect?
✔ No hidden fees - transparent pricing
✔ Industry-leading 256-bit encryption
✔ Award-winning mobile app
✔ Free ATM withdrawals worldwide
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ROYALE DIRECT
Welcome Back
Log in to your RoyaleDirect account
Don't have an account? Sign Up
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ROYALE DIRECT
💰 Savings Accounts
Grow Your Money
High-yield savings with no minimum balance. Watch your money grow with competitive interest rates.
4.50% APY - One of the Highest Rates
Earn more on your savings with our market-leading interest rate. No fees, no minimums.
Savings Benefits
✔ 4.50% APY: Industry-leading interest rate
✔ No Minimum Balance: Start saving with any amount
✔ No Monthly Fees: Keep all your earnings
✔ FDIC Insured: Your deposits are protected up to $250,000
✔ Easy Transfers: Move money instantly between accounts
✔ Mobile Access: Manage your savings from anywhere
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ROYALE DIRECT
About RoyaleDirect
Banking Built on Trust
RoyaleDirect Bank is a modern digital bank committed to providing exceptional financial services with transparency, security, and innovation at our core.
Our Mission
To empower individuals and families to achieve their financial goals through accessible, secure, and innovative banking solutions.
Our Values
✔ Transparency: No hidden fees, clear terms, honest service
✔ Security: Bank-grade encryption and fraud protection
✔ Innovation: Cutting-edge technology for modern banking
✔ Customer First: 24/7 support and personalized service
We offer some of the best rates in the industry. Rates are subject to change.
Deposit Rates
High-Yield Savings: 4.50% APY
Money Market: 4.25% APY
12-Month CD: 5.00% APY
24-Month CD: 4.75% APY
Loan Rates
Auto Loans: Starting at 3.99% APR
Mortgage: Starting at 3.25% APR
HELOC: Starting at 7.50% APR
Personal Loans: Starting at 6.99% APR
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates as of November 2024.
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ROYALE DIRECT
Fee Schedule
Transparent Pricing
We believe in transparency. Here's our complete fee schedule.
Account Fees
Monthly Maintenance: $0
Minimum Balance: $0
ATM (in-network): $0
ATM (out-of-network): Reimbursed up to $15/month
Transfer Fees
ACH Transfer: $0
Domestic Wire: $25
International Wire: $45
Instant Transfer: 1.5% (min $0.25)
Other Fees
Overdraft: $0 (we decline transactions instead)
Paper Statement: $2/month
Account Closure: $0
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ROYALE DIRECT
Privacy Policy
Your Privacy Matters to Us
At RoyaleDirect Bank, we are committed to protecting your personal information and maintaining your trust. This policy explains how we collect, use, and safeguard your data.
Information We Collect
• Personal identification information (name, address, SSN, date of birth)
• Contact information (email, phone number)
• Financial information (account numbers, transaction history)
• Device and usage information when you use our services
How We Use Your Information
• To provide and maintain your accounts and services
• To process transactions and send related information
• To detect and prevent fraud and unauthorized access
• To comply with legal and regulatory requirements
• To improve our products and customer experience
Information Security
We implement industry-standard security measures including 256-bit SSL encryption, multi-factor authentication, and continuous monitoring to protect your personal and financial information.
Your Rights
• Access and review your personal information
• Request corrections to inaccurate data
• Opt-out of marketing communications
• Request deletion of your data (subject to legal requirements)
For questions about our privacy practices, contact us at [email protected]
Last updated: November 2024
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ROYALE DIRECT
Disclosures
Important Legal Information
FDIC Insurance
RoyaleDirect Bank is a Member FDIC. Your deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Equal Housing Lender
RoyaleDirect Bank is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
APY Disclosure
• Annual Percentage Yields (APYs) are accurate as of the date stated and may change at any time
• Fees may reduce earnings on accounts
• Minimum balance requirements may apply
Loan Disclosures
• All loans subject to credit approval
• Rates, terms, and conditions subject to change without notice
• Property insurance required for mortgage and home equity loans
• Early payment penalties may apply to certain loan products
Electronic Fund Transfers
Your rights and responsibilities regarding electronic fund transfers are outlined in our Electronic Fund Transfer Agreement provided at account opening.
Overdraft Services
RoyaleDirect Bank does not charge overdraft fees. Transactions that would overdraw your account are declined at no charge to you.
For complete terms and conditions, please review your account agreement or contact us at [email protected]
