Royal Financial, Inc. is a holding company for Royal Savings Bank (the Bank). The Company, through the Bank, is engaged in the business of retail banking. The Bank offers a range of checking and savings products, and a line of home and commercial lending solutions. The Bank's personal banking services include checking accounts, savings accounts, certificates of deposit, individual retirement accounts, loans, account services and Harland Check reorder. Its account services include automated teller machine (ATM)/debit card services, RoyalLine automated telephone banking and online banking. The Bank's commercial banking services include checking accounts, savings, certificate of deposit, commercial loans, cash management, Harland Check reorder and TransSend. It has branches located in Chicagoland.