RBC VIP Banking

You are on: Features & Benefits

Features of this account

Pay only one monthly fee for a full range of personal banking services and travel benefits including:

• Unlimited banking transactions including Interac and PLUS System network fees waived⁽³⁾
• Applicant and co-applicant fees rebated on one RBC Royal Bank premium credit card
• Choice of up to two additional Canadian and one U.S personal account with monthly fees waived⁽²³⁾
• Overdraft protection⁽⁵⁾ and free RBC Royal Bank VIP personalized style cheques
• Exclusive travel offers and savings , as well as special deals on vacation packages, last minute travel, cruises, tours and more.
• Waived fees or discounts for many other RBC services

Save even more

• Save over $1,050 each year with the features included with this package⁽³⁴⁾
• You may also qualify for the MultiProduct Rebate on your monthly banking fee if you have other eligible products with RBC^{(^^)}
• Earn double, triple even quadruple RBC Rewards points⁽²⁵⁾ when you book your travel on your RBC Rewards credit card through Carlson Wagonlit Travel
• With our Seniors Rebate, the monthly fee is $22.50 for eligible clients age 60 and over⁽¹⁾

Accessing your accounts

• Free access to RBC Online Banking, Mobile, and Telephone Banking
• Convenient access to Canada's largest network of branches and ATMs
• Customer service available in over 150 languages

Protect yourself

• Identity theft protection including Card monitoring, Restoration Assistance, Reference Tools and more
• 100% reimbursement for unauthorized transactions in RBC Online Banking with our RBC Security Guarantee

Is it right for you?

• You have a high number of transactions and frequently use other bank ATMs
• You have a rewards credit card with an annual fee
• You could use other services like overdraft protection, safety deposit box, multiple accounts, and occasional drafts

You are on: Additional Services

Qualifying credit cards

Fee Information

Fee Information
RBC Royal Bank credit card(15)	Choice of one card with waived annual fees for one applicant and one co-applicant: Visa‡ Infinite Avion®, Visa Platinum Avion, RBC® Rewards Visa‡ Preferred, U.S. Dollar Visa Gold, British Airways‡ Visa Platinum, Cathay Pacific‡ Visa Platinum, and WestJet RBC World MasterCard

Recordkeeping Options

Fee Information

Fee Information
eStatement including cheque images viewed online (Images less than 90 days)	Free
Monthly Paper Statement (consolidated/combined(20))	Free
Cheque Images returned with paper statement	Free
Bankbook	Not available

Other Services Provided

Fee Information

Fee Information
Access to Online, Mobile and Telephone Banking(4)	Free
Access to myFinanceTracker	Free
Exclusive Travel Benefits	Included
Identity Theft Protection	Included
American Express(†) Travellers Cheques	Commission-free single signature
Drafts(6)	Up to 12 commission-free per calendar year
Safe Deposit Box(7)	Annual discount — Maximum $40.00
Recurring funds transfers	Included
Certificate of Loan Balance / Interest paid (for tax purposes)	Waived Fee
RBC Direct Investing Self-Directed RRSP annual administration fee	Waived Fee
Appraisal for conventional mortgages on your primary residential home (existing properties only)	Waived Fee
Priority Service — 24/7	Call 1-800-769-2511 and enter your client card number to experience shorter wait times and connect with our most knowledgeable specialists.

You are on: Online Banking

Free Access to Online Banking⁽⁴⁾

If you're looking for the most convenient and comprehensive way to manage your day-to-day banking needs, look no further than RBC Royal Bank Online Banking. From financial calculators to a variety of convenient services including bill payments and fund transfers — you'll wonder how you ever lived without it. Even more, you'll enjoy free access with your banking account!

• Transfer funds between accounts
• Pay bills; even postdate payments if you choose
• Make payments to personal loans, mortgages, credit card accounts, etc.
• Obtain account balances and updates
• Track previous transactions
• Contribute to your RBC Royal Bank RRSP
• Check current interest and foreign exchange rates
• Apply for other RBC Royal Bank products

RBC Online Banking Security Guarantee

We understand how important information security and privacy are to you. To provide you with greater peace of mind, we have developed the RBC Online Banking Security Guarantee. If an unauthorized transaction is conducted through your RBC Online Banking service, you will be reimbursed 100% for any resulting losses to those accounts.⁽⁺⁾

You are on: Fees

Operating Account

(Account on which the monthly fee is applied)

Fee Information

Fee Information
Monthly fee	$30.00
Monthly fee after MultiProduct Rebate(^^)	$22.50 when you hold each of the following eligible RBC® products: An RBC Royal Bank investment and An eligible RBC Rewards® credit card and An RBC Royal Bank residential mortgage or RBC HomeLine Plan®
Monthly fee after Seniors Rebate(1)	$22.50
Free debits per monthly cycle	Unlimited
Interac and PLUS System ATM network access fees(3)	Unlimited
Free personalized cheques(13)	RBC Royal Bank VIP style
Search for Records/Trace Items greater than 90 days old(6,13)	Up to 4 per calendar year
Deposited item returned NSF	Waived Fee
Overdraft protection(15)	Monthly fee waived; overdraft interest charge applied if used in the fees section on the product page.
Certified cheques(6)	Up to two free per calendar year
Stop payments(13)	Included
Interac e-Transfer(6,13)	Up to two free per monthly cycle
Cross-Border Debit(13,14)	Included

Alternate Accounts⁽²³⁾

(available, if selected, with waived fees)

Fee Information

Fee Information
Additional accounts available if selected (in name of primary account holder and/or spouse)	Two Canadian dollar accounts plus one U.S. dollar account
Free debits per monthly cycle	Unlimited
Interac and PLUS System ATM network access fees(3)	Waived fee on Canadian dollar accounts; not available on U.S. account