Banking Products Built for You

Choose the perfect account for your needs

Customer using mobile banking and contactless card at a café
Premium wallet with debit card for everyday checking
Checking Account
For everyday banking
Free

No hidden fees

Unlimited transfers
No monthly fees
Instant notifications
Mobile app access
Bill pay included
ATM access
Open Account
Most Popular
Glass savings jar representing growing wealth
Savings Account
Grow your wealth
4.5%

No hidden fees

4.5% APY
No withdrawal limits
Automatic savings goals
Interest compounds daily
FDIC insured
Mobile banking
Open Account
Small business owner managing finances in her shop
Business Account
For entrepreneurs
From $9/mo

No hidden fees

Unlimited transactions
Invoice management
Tax reports
Team access
API integration
Dedicated support
Start Free Trial

Detailed Comparison

FeatureCheckingSavingsBusiness
Monthly FeeFreeFree$9/mo
Interest RateNo4.5% APYNo
TransfersUnlimitedUnlimitedUnlimited
Mobile AppYesYesYes
API AccessNoNoYes
Team MembersN/AN/AUnlimited

Frequently Asked Questions

Are accounts FDIC insured?

Yes, all British Royal Caribbean Bank accounts are FDIC insured up to $250,000 per account holder.

When do I start earning interest?

Interest on savings accounts compounds daily and is credited monthly.

Can I switch between account types?

Yes, you can open multiple accounts or upgrade at any time. There are no penalties.

What are the fees?

Checking and Savings accounts have no monthly fees. Business accounts start at $9/mo.