Deposit Products

Checking Accounts

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Direct Deposit Checking

Try a checking account with the ease and convenience of direct deposit. No minimum balance is required as long as your payroll, social security, or pension check is sent directly to Regal.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Zero minimum balance to open an account.
  • Fee assessed monthly if account does not receive direct deposit – $5.00.
  • Unlimited check writing.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

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Regular Checking

A simple, straight forward checking account! Keep a low daily balance and pay no service charge.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum daily balance – $100.00.
  • Minimum balance fee of $5.00 if the balance falls below $100.00 any day of the statement cycle.
  • Unlimited check writing.
  • This is a non-interest bearing account.
  • Fees are assessed on a monthly basis.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

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Senior Checking

For seniors age 55 or older, receive one free order of wallet style checks per year and an additional 10 basis points over the regular rate on non-promotional certificates of deposit. There are advantages to being older!

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum daily balance – $200.00.
  • Unlimited check writing.
  • This account is interest bearing for balances over $200.00. Interest will be compounded every day. Interest will be credited to the account every month.
  • If the account is closed before interest is credited, accrued interest will be received.
  • Fees are assessed on a monthly basis.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

Deposit Products Saving Money

Smart Money

Take advantage of a high interest rate without having to play the stock market. A Smart Money account doesn’t have the risks associated with traditional investments. The account allows for additional deposits of any amount, as well as access to your money whenever you need it, without broker fees.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum daily balance to open the account – $2,500.00.
  • Minimum balance fee – $0.00.
  • Required minimum withdrawal transaction account – $250.00.
  • Fee for each withdrawal transaction below $250.00 during a statement cycle – $10.00.
  • Unlimited check writing.
  • Interest will be compounded every day and credited to the account each month.
  • Fees are assessed on a monthly basis.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

Deposit Products Interest Checking

Interest Checking

Want to earn interest on your checking account? We’ve got the account for you! With just $250.00 daily balance, you’ll receive more than a competitive rate of interest!

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum daily balance to open the account – $250.00.
  • Fee if account falls below minimum balance of $250.00 any day of the statement cycle – $7.00.
  • Unlimited check writing.
  • This is an interest bearing account. Interest will be compounded every day. Interest will be credited to your account every month.
  • If you close the account before interest is credited, accrued interest will be received.
  • Fees are assessed on a monthly basis.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

Club 25

The perfect “first” checking account for customers between the ages of 18-25.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum balance to open account – $50.00.
  • Minimum balance to obtain the annual percentage yield – $50.00.
  • Minimum balance fee every statement cycle in the balance of the account falls below $50.00 any day of the cycle – $1.00.
  • Check limit during statement cycle – 10/mo.
  • Fee for exceeding 10 checks per statement cycle* – $.25.
  • This is an interest bearing account. Interest will be compounded every day. Interest will be credited to the account every month. If the account is closed before interest is credited, the accrued interest will be received.
  • *Charges per item.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

Savings Accounts

Deposit Products Savings 3

Regular Savings

This account meets the needs of customers who maintain a low daily balance and want a higher interest rate on their savings.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Minimum daily balance – $100.00.
  • Minimum balance fee – $3.00.
  • Interest bearing.
  • Fees are assessed on a monthly basis.
  • Limited withdrawals per statement cycle.

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Money Market

Looking for a more aggressive yield? Maintain a $1,000.00 daily balance and earn a tiered rate of interest.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum daily balance to open the account – $1,000.00.
  • Minimum balance fee every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle – $8.00.
  • Transaction Limitations: Unlimited over the counter transactions. Up to six transfers or withdrawals by means of pre-authorized, automatic, or telephonic transfer to another account of yours, or to a third party by check or similar order per month.
  • Fee if exceeds monthly transaction limitation – $10.00 per item.
  • This account is interest bearing. Interest will be compounded every day. Interest will be credited to the account every month. If the account is closed before interest is credited, accrued interest will be received.
  • Fees are assessed on a monthly basis.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable.
  • Limited withdrawals per statement cycle.

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Smart Money Market

Earn higher tiered interest rates with a minimum daily balance of $5,000. The more you save, the more you’ll earn.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum daily balance to open the account – $5,000.00.
  • Minimum balance fee every statement cycle if the balance in the account falls below $5,000.00 any day of the cycle – 15.00.
  • Transaction Limitations: Unlimited over the counter transactions. Up to six transfers or withdrawals by means of pre-authorized, automatic, or telephonic transfer to another account of yours, or to a third party by check or similar order per month.
  • Fee if exceeds monthly transaction limitation – $10.00 per item.
  • This account is interest bearing. Interest will be compounded every day. Interest will be credited to the account every month. If the account is closed before interest is credited, accrued interest will be received.
  • Fees are assessed on a monthly basis.
  • An overdraft fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic.
  • Limited withdrawals per statement cycle.

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Minor Savings

Teach your children the value of saving! From newborns to children up to 17 years of age will have no minimums or fees on their account.

Regal Bank & Trust offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Switch your Accounts to Regal Bank & Trust. It’s quick and easy with our Switch Kit.

If you need to reorder checks use our secure Check Reorder Form.

Benefits:

  • Required minimum daily balance – $0.00.
  • Minimum balance fee – $0.00.
  • This is an interest bearing account. Interest will be compounded every day. Interest will be credited to the account every month. If the account is closed before interest is credited, the accrued interest will be received.
  • This account is for children 17 and under.
  • Limited withdrawals per statement cycle.