Solved
Does Camera's have monthly fees
You do not need a subscription (monthly fees) in order to use the Smart Home cameras and other Smart Home devices. The paid subscription gives you access to more features. (more recording and monitoring options).
With the cameras, will basically take photos as storage on SD cards. With subscription, will allow video capture and cloud storage.
https://www.roku.com/products/smart-home/smart-home-subscription
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However, you can always place a video capture device in-line on a camera livestream if you need to record your camera.
