Average User Rating:Royal Banks of Missouri
| 8021 Olive Boulevard Saint Louis, MO 63130 (314) 212-1500 https://www.royalbanksofmo.com/home/home |
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With a 4.30% APY for balances up to $25K, Royal Banks of Missouri had the highest rate for a nationwide reward checking account since Bank of the Sierra cut its reward checking rate in early December ...
Royal Banks of Missouri continues to be the top nationwide reward checking account with a 4.30% APY on balances up to $25K. However, customers will have to do more work starting in March. A reader ju ...
Reviews
767 says
767 - #2, Saturday, January 16, 2010 - 2:19 PM CT
Signed up in Nov. Hesitant to give info such as SS# online but so far have not had any problems. High yield interest is paid after 10 qualifying debit transactions and one ACH transfer. This could be a direct deposit or an ACH transfer you initiate from another bank. Would be 5 stars but you cannot iinitiate an ACH transfer from your RBM account. You have to initiate it from another checking account. I was hesitant to carry a debit card with a high balance but now only bring it when I know I will be using it and keep it at home after the 10 monthly debit transactions. Charging utility bills online using a debit card count towards the 10 transactions.
767 - #3, Tuesday, January 26, 2010 - 5:25 PM CT
Effective March 9, 2010, 15 debit card transactions will be required per cycle to get the high interest rate.
Anonymous - #4, Tuesday, March 2, 2010 - 11:25 AM CT 
TO 767, DOES THE DEBIT CARD HAVE A PIN NUMBER IN ORDER TO USE IT
767 - #5, Wednesday, March 3, 2010 - 12:21 AM CT
A PIN is issued but is not required. Just select 'credit' when processing transactions and the sale will be processed without the PIN. Selecting credit still counts towards the 10 (soon 15) transactions required to get the 4.30%.
Upset Bill Pay Customer - #6, Tuesday, March 16, 2010 - 8:32 AM CT
Royal Banks Lied to us!
They offered us Boomerang Bucks of $15 if we used 15 bill pay transactions. After we went through the trouble, and I mean lots of trouble because they lost a payment, and took over a month and lots of headaches to return the money lost.
After all this trouble, they refused to pay the $15 owed. They said it was a contest. There was nothing in the letter with the terms and conditions they e-mailed to us about this program being a contest.
How's that for the integrity of a bank?
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Current Rates
| Royal Banks of Missouri | 4.30% | Majestic Checking - Qualifying | 3/18/2010 |
| Royal Banks of Missouri | 2.84% | 60 Month CD | 3/18/2010 |
| Royal Banks of Missouri | 2.84% | 60 Month IRA | 3/18/2010 |
| Royal Banks of Missouri | 2.62% | 48 Month CD | 3/18/2010 |
| Royal Banks of Missouri | 2.62% | 48 Month IRA | 3/18/2010 |
| Royal Banks of Missouri | 2.42% | 36 Month CD | 3/18/2010 |
| Royal Banks of Missouri | 2.42% | 36 Month IRA | 3/18/2010 |
| Royal Banks of Missouri | 2.05% | 24 Month CD | 3/18/2010 |
| Royal Banks of Missouri | 2.05% | 24 Month IRA | 3/18/2010 |
| Royal Banks of Missouri | 1.95% | Triple Crown 24 month CD | 3/18/2010 |
| Royal Banks of Missouri | 1.95% | Triple Crown 24 month IRA | 3/18/2010 |
| Royal Banks of Missouri | 1.77% | 18 Month CD | 3/18/2010 |
| Royal Banks of Missouri | 1.77% | 18 Month IRA | 3/18/2010 |
| Royal Banks of Missouri | 1.67% | 12 Month CD | 3/18/2010 |
| Royal Banks of Missouri | 1.67% | 12 Month IRA | 3/18/2010 |
| Royal Banks of Missouri | 1.63% | Personal Super NOW | 3/18/2010 |
| Royal Banks of Missouri | 1.40% | Majestic Checking - Qualifying | 3/18/2010 |
| Royal Banks of Missouri | 1.30% | Royal Supreme Savings | 3/18/2010 |
| Royal Banks of Missouri | 1.27% | 6 Months CD | 3/18/2010 |
| Royal Banks of Missouri | 1.27% | 6 Months IRA | 3/18/2010 |
| Royal Banks of Missouri | 1.12% | Ultimate Money Market | 3/18/2010 |
| Royal Banks of Missouri | 1.02% | Personal Money Market | 3/18/2010 |
| Royal Banks of Missouri | 1.02% | Commercial Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.98% | Royal Crown | 3/18/2010 |
| Royal Banks of Missouri | 0.92% | Ultimate Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.92% | Personal Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.92% | Commercial Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.87% | 3 Month IRA | 3/18/2010 |
| Royal Banks of Missouri | 0.87% | 3 Month CD | 3/18/2010 |
| Royal Banks of Missouri | 0.82% | Personal Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.82% | Commercial Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.60% | Personal Interest Checking | 3/18/2010 |
| Royal Banks of Missouri | 0.35% | Commercial Savings | 3/18/2010 |
| Royal Banks of Missouri | 0.25% | Personal Savings | 3/18/2010 |
| Royal Banks of Missouri | 0.25% | Royal Supreme Savings | 3/18/2010 |
| Royal Banks of Missouri | 0.20% | Personal Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.20% | Commercial Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.15% | Majestic Checking - Non Qualifying | 3/18/2010 |
| Royal Banks of Missouri | 0.15% | Personal Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.15% | Commercial Money Market | 3/18/2010 |
| Royal Banks of Missouri | 0.00% | Personal Super NOW | 3/18/2010 |
DEC - #1, Monday, January 11, 2010 - 5:54 PM CT
Bank would NOT send me all the forms through the US Mail in order for me to set up an account; which IMHO is much safer then giving an "off-site" web site Checkfinder.com all my personal info. ie. SS number, my current checking acc. router#, etc.