Featured Savings Rates
Featured Accounts

Royal Banks of Missouri

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.85%Reward CheckingKasasa Checking Account
1.21%5-year CD60 Month CD
0.39%1-year CD12 Month CD

Overview / Commentary
314-212-1500
8021 Olive Boulevard
Saint Louis, MO 63130

Royal Banks of Missouri is headquartered in University City and is the 35th largest bank in the state of Missouri. It is also the 1,089th largest bank in the nation. It was established in 1965 and as of June of 2017, it had grown to 95 employees at 12 locations. Royal Banks of Missouri has an A health rating.

Related Posts

15 Month Floating Rate CD Special - 11/7/2017

•Rate will float at 35% of Prime** •Rate will never fall below the initial rate at time of opening •Minimum of $1,000 to open •Single maturity •Option to add to CD anytime during the 15 months **The Magnificent 15’s Prime Rate index will be based on The Wall Street Journal’s Prime Rate, effective as of 6/15/2017, which is currently 4.25%. The Initial Interest Rate will be 1.48% and the effective Annual Percentage Yield (APY) will be 1.49%. The interest rate will never fall below the initial rate at the time of opening. All APYs are subject to change at any time without notice after the account is opened. Clients are allowed to open multiple CDs. FDIC insurance is up to $250,000.00 per depositor, per insured bank, for each ownership category. Early withdrawal penalties will apply. Fees may reduce earnings on this account

1.40% APY 15-Month Floating Rate Add-On CD in Missouri - 4/29/2017

Rate will float at 35% of Prime** Rate will never fall below the initial rate at time of opening Minimum of $1,000 to open Single maturity Option to add to CD anytime during the 15 months **The Magnificent 15’s Prime Rate index will be based on The Wall Street Journal’s Prime Rate, effective as of 3/15/2017, which is currently 4.00%. The Initial Interest Rate will be 1.40% and the effective Annual Percentage Yield (APY) will be 1.41%. The interest rate will never fall below the initial rate at the time of opening. All APY’s are subject to change at any time without notice after the account is opened. Clients are allowed to open multiple CD’s. FDIC insurance is up to $250,000.00 per depositor, per insured bank, for each ownership category. Early withdrawal penalties will apply. https://www.royalbanksofmo.com/personal_banking/other_accounts.aspx

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TO 767, DOES THE DEBIT CARD HAVE A PIN NUMBER IN ORDER TO USE IT

Posted by: Anonymous | Mar 2, 2010

TO 767, DOES THE DEBIT CARD HAVE A PIN NUMBER IN ORDER TO USE IT

Good Community Bank

Posted by: ndirish89 | Aug 18, 2017

Royal Banks of Missouri has been a good community bank that has given back to the local communities surrounding their branches. They recently upgraded their mobile banking app for Apple and Android device which now offers mobile deposit capture. They have a very attractive 15 month floating rate certificate of Deposit that floats at 35% of prime? The best part of banking with Royal is the employees know you by name and treat you like family.

Signed Up In Nov

Posted by: Anonymous | Jan 16, 2010

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.

Overall I'm Pleased With Rbom

I signed up for a RBoM account in January, back when it was open nationwide. Previously I had only held reward checking accounts at local credit unions, so I was nervous about dealing with a bank out of state. I was also concerned the high interest rate wouldn't last long enough to make it worth while.

The application process was a breeze, although I had to go through a third-party's web-based application. The initial account information which was mailed to me wasn't entirely clear (I had questions like: could the debit card be used for point of sale purchases, without a PIN? could I get any free starter checks? etc.). Calling the CSR resolved about 80% of my questions, but they were obvously more accustomed to dealing with peple face-to-face.

Another odd thing about this bank is that they use a 3rd party secure e-mail system. They send me notifications each month that my account statement is ready, but to view it I have to log into the 3rd party secure e-mail system (which is a completely different site from the one where you perform account actions). It's no big deal, just one more login/password combo to remember.

Shortly after signing up with RBoM, they closed new accounts to people living out of state, and slightly dropped their interest rate. The rate was still very good, so I kept using the account. Today the rate is 3.51 APY, so I feel fortunate that I signed up while I could.

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Health

Health Grade Components

Overall
FDIC Certificate #19512
Year Established1965
Employees95
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD6.98%
Annual Interest Income$12.9MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$677.4MM$404.3MM
LoansQ2 2017vs Q2 2016$544.9MM$324.8MM
DepositsQ2 2017vs Q2 2016$572.5MM$318.4MM
Equity CapitalQ2 2017vs Q2 2016$100.9MM$60.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$3.7MM$3.4MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$5.9MM$13.2MM
Real Estate OwnedQ2 2017vs Q2 2016$6.6MM$3.6MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

15 Month Floating Rate CD Special

kbreckle   |  
•Rate will float at 35% of Prime**
•Rate will never fall below the initial rate at time of opening
•Minimum of $1,000 to open
•Single maturity
•Option to add to CD anytime during the 15 months

**The Magnificent 15’s Prime Rate index will be based on The Wall Street Journal’s Prime Rate, effective as of 6/15/2017, which is currently 4.25%. The Initial Interest Rate will be 1.48% and the effective Annual Percentage Yield (APY) will be 1.49%. The interest rate will never fall below the initial rate at the time of opening. All APYs are subject to change at any time without notice after the account is opened. Clients are allowed to open multiple CDs. FDIC insurance is up to $250,000.00 per depositor, per insured bank, for each ownership category. Early withdrawal penalties will apply. Fees may reduce earnings on this account

Rates
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Always verify rates and promotions with the bank or credit union. We are not Royal Banks of Missouri; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Royal Banks of Missouri Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.39%*$50k*-Royal Supreme Savings
OTHER TIERS: 0.10% Up to $49k
0.15%--Commercial Savings
0.10%$100-Personal Savings

Royal Banks of Missouri Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Ultimate Money Market
OTHER TIERS: 0.10% $1k - $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k
0.40%*$50k*$100kCommercial Money Market
OTHER TIERS: 0.10% $1k - $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k

Royal Banks of Missouri Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%*-$15kKasasa Checking Account
OTHER TIERS: 0.20% $15k+
1.00%$100k-Personal Super NOW
0.10%$1k-Personal Interest Checking

Royal Banks of Missouri CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.48%$1k-15 Month Floating Rate CD Special
1.21%$1k$100k60 Month CD
1.00%$1k$100k48 Month CD
0.73%$1k$100k36 Month CD
0.60%$1k$100k24 Month CD
0.50%$1k$100k18 Month CD
0.39%$1k$100k12 Month CD
0.20%$1k$100k6 Month CD
0.10%$1k$100k3 Month CD

Royal Banks of Missouri IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$1k$100k60 Month IRA
1.00%$1k$100k48 Month IRA
0.73%$1k$100k36 Month IRA
0.60%$1k$100k24 Month IRA
0.50%$1k$100k18 Month IRA
0.39%$1k$100k12 Month IRA
0.20%$1k$100k6 Month IRA
0.10%$1k$100k3 Month IRA
Locations

Availability