Featured Savings Rates
Featured Accounts

Royal Banks of Missouri

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.85%Reward CheckingKasasa Checking Accounts
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 33rd largest bank in the state of Missouri. It is also the 1,071st largest bank in the nation. It was established in 1965 and as of March of 2017, it had grown to 97 employees at 12 locations. Royal Banks of Missouri has a B+ health rating.

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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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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.

Needs Updating Badly!!!!

The Bank itself is ok.  I have been a customer for over 10 years , mostly out of laziness of switching.

Finally, on line banking came after all the other banks had it.

Still takes at leaset 2-3 days for things to "post", deposits or credits to post, and when all my other colleages get their business mileage direct deposted on the same day - mine is 2 days later than everyone else??

Of course, if you have a overdraft, that is NEVER late.

I was a fan until I disputed a few charges.  Then I got a nasty e-mail from a VP (and I asked for a phone call)  just like the bigger banks.

Ihave heard there are a few banks now that are "real time" and I may actually switch. 

Good bank for a young, starter person, but if you are juggling a mortgage, kids, etc who has the time to constantly check to see if they processed something.

 

Stay Away If Possible!!!!!!!!

Well, here's yet another banking sceniro related to on-line banking, which the bank chooses to charge you and you have no recourse.....:

You have checked your account vigilantly on line.  No pending authorization for 2 days, you've mastered your checkbook (for the few checks you write).  Enough funds to cover what you have out there.  Low and behold days later here comes a 'GAS CHARGE" you purchased at BP 2 days ago!!!!  My God, most banks you can see the charages as you go....NOT ROYAL BANKS!!!!

Now you only had a small issue, but they add $64 over draft (first of course), reject your check that came through and bounce it, and all over $2 and Gas Charges that should have posted. 

If I could remember all the charges I made, I would need on-line banking -- isn't that the point.

My point is that is it not statistically possible for the customer to be wrong 100% OF THE TIME. 

At other banks you can see your charges 5 minutes on line after they are done.

ROYAL BANKS GET A CLUE AND STOP STEALING MONEY FROM YOUR CUSTOMERS!!!!!!!!

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

VIEW MORE REVIEWS

Health
B+

Health Grade Components

Overall
FDIC Certificate #19512
Year Established1965
Employees97
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD6.96%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$688.5MM$416.6MM
LoansQ1 2017vs Q1 2016$549.1MM$336.1MM
DepositsQ1 2017vs Q1 2016$585.5MM$338.4MM
Equity CapitalQ1 2017vs Q1 2016$99.6MM$60.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$5.8MM$4.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$14.0MM$18.0MM
Real Estate OwnedQ1 2017vs Q1 2016$7.3MM$150.00K
  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.

1.40% APY 15-Month Floating Rate Add-On CD in Missouri

JDubs   |  
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

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%--Kasasa Checking Accounts
1.00%$100k-Personal Super NOW
0.10%$1k-Personal Interest Checking

Royal Banks of Missouri CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

Royal Banks of Missouri has 11 locations. Click to view all Royal Banks of Missouri locations.