RBC Access USA^® Banking Packages

The Right Access for your Needs

RBC Access USA^® is available in two comprehensive, convenient, hassle-free packages, each with its own advantages. Simply review the chart found below and choose the one that is right for you based on your unique needs.

Service	RBC Access USA Preferred Service	RBC Access USA Service
	Monthly fee waived with a $5,000(U.S.) minimum monthly checking balance, minimum $10,000 total deposit balance, or $20,000 combined balance of deposits and credit lines OR just $29.95(U.S.) per month⁶.	Monthly fee waived with a $700 (U.S.) minimum monthly balance OR just $3.95 (U.S.) per month⁷.
RBC Bank (USA) U.S. Chequing Account⁸	Preferred Checking Account** Free ATM Card Free wallet - style cheques No-charge cheque writing Interest - bearing account Unlimited teller transactions	Royal Embassy Checking Account Free ATM Card Free Royal Embassy - style cheques No-charge cheque writing Non interest - bearing account Unlimited teller transactions
RBC Bank (USA) Web Banking and U.S. Bill Payment	Included	Included
Travellers Cheques	Commission-free	Standard rates / fees apply
Safe Deposit Box	No-charge small Safe Deposit Box at a local RBC Bank (USA) location⁹	Standard rates / fees apply
Foreign Exchange	Preferred rate on instant money transfers and for purchase or sale of U.S. funds in Canada¹⁰	Standard rates / fees apply
Instant online money transfers	Unlimited - between RBC Royal Bank^® and RBC Bank (USA)	Unlimited - between RBC Royal Bank and RBC Bank (USA)
ATM Access	No charge at RBC Bank (USA)/Publix ATMs or other ATMs, plus fees charged by other banks are rebated (up to 4 per month)	No charge at RBC Bank (USA)/Publix ATMs. Up to two $2.00 ATM rebates/month
RBC Royal Bank U.S. Dollar VISA* Gold	Fee waived annually for applicant and additional user Earns RBC Rewards^® points Transactions in U.S. funds to avoid daily currency fluctuations¹¹ Extensive insurance coverage	Not included
Optional Travel Insurance	Preferred rates	Competitively priced

To find out more about RBC Access USA package, ask a personal banker at any RBC Royal Bank branch or call 1-800-769-2553.

^* Registered trademark of Visa International Services Association. Used under license.

^** Preferred Checking includes Deluxe ID TheftBlock Basic service for clients who are U.S. Residents. Visit www.rbcbankusa.com/idtheft for details.

⁶ If the account balance does not meet minimum balance requirements at any time during the month, the full $29.95(U.S.) fee will apply.

⁷ If the account balance drops below $700(U.S.) at any time during the month, the full $3.95(U.S.) fee will apply. No minimum balance for the first three consecutive months after account opening.

⁸ RBC Bank (USA) is a member of the Federal Deposit Insurance Corporation. The Canadian Deposit Insurance Corporation or any other Canadian federal or provincial deposit insurer does not insure RBC Bank (USA) deposit accounts.

⁹ Subject to availability.

¹⁰ Preferred foreign exchange rates are defined as rates that are improved over our standard foreign exchange rates. Clients will automatically receive the preferred foreign exchange rate when transferring money between RBC Royal Bank Canadian accounts and RBC Bank (USA) U.S. accounts via Online Banking and Telephone Banking 1-800-769-2553. Clients will also receive this rate when purchasing or selling US cash, travellers cheques, drafts or money orders in RBC Royal Bank branches in Canada when they present their RBC Access USA Premier Service card. The preferred foreign exchange rate is not available at RBC Bank (USA) branches in the U.S.A. but clients can call 1-800-769-2553 while in the U.S.A. and have money transferred to their RBC Bank (USA) U.S. account at the preferred foreign exchange rate.

¹¹ Transactions for US Dollar Visa Gold are in U.S. Funds.



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RBC Access USA® Banking Packages

The Right Access for your Needs

RBC Access USA^® Banking Packages