Take charge of your financial situation like never before. Learn how to get set up and started with Online Banking, so you can conveniently access and manage all your accounts. Plus, there are many other tools right at your fingertips – like online cheque ordering and viewing your RBC Direct Investing and RBC Dominion Securities accounts using My View™ Account Profile.
- Getting Started
RBC Online Banking is safe and secure. Every time you access your account online, you’re protected with the latest security and encryption features. For added security, RBC uses Sign In Protection. And, when you enrol online or by phone, you’ll be mailed an Activation Code, which gives you full Online Banking access. Once your code arrives, enter it where indicated on the Sign In page. In the meantime, you can still bank online – including viewing balances, paying certain bills and more.
- Sign In and Activation Code
If you use the Internet or telephone to enrol in Online Banking, you’ll be mailed a unique Activation Code within 5 to 10 days of your enrolment. Once you receive this code, it’s important that you follow the simple 2-step process to enter it where indicated on the Sign In page. You can still do many popular Online Banking transactions without a code. But, once it’s entered, you’ll have full access to every Online Banking feature and service.
If you don’t receive your Activation Code within 5-10 days of your enrolment, call 1-800-ROYAL®55.
- Sign In Protection
This optional feature helps to protect you from unauthorized access to Online Banking from other computers. If you accept our secure cookie, you’ll only be prompted to answer a Personal Verification Question when signing in from computers other than the one you normally use. If you choose not to accept the cookie, you’ll be prompted to answer your Personal Verification Question every time you sign in.
If you don’t have Sign In Protection, you can activate it on the Update Profile page.
- Signing in with Sign In Protection
When you set up Sign In Protection, you’ll be prompted to save a secure cookie, which helps RBC recognize you on subsequent visits from that computer. After that, each time you sign in from that computer, your Personal Verification Question will be bypassed. However, when you sign in from other computers, you will be required to answer a Personal Verification Question. This added measure of security helps to protect you from fraudulent activity, even if your card number and password fall into the wrong hands.
- Adjusting Sign In Protection Preferences
On computers where you are recognized by the security recognition cookie, you can adjust your Sign In Protection settings, so you’re asked a Personal Verification Question every time.
- Bank Online With Confidence
We understand how important information security and privacy are to you. For your peace of mind, we’ve developed the RBC Online Banking Security Guarantee. If an unauthorized transaction is conducted through your Online Banking service, you’ll be reimbursed 100% for any resulting losses to those accounts†. To ensure reimbursement under this guarantee, there are a few steps you need to take, including,
- Sign out and close your browser at the end of each Online Banking session.
- Keep your password and Personal Verification Questions and answers confidential.
- Contact RBC immediately if your password becomes known to anyone, or if you suspect unauthorized account activity.
†Find out the full details regarding the protections and limitations of the RBC Online Banking Security Guarantee.
- Account Balances
This page provides you with a complete summary of your RBC holdings. From the Self Service menu, you can also pay bills, transfer funds and download financial information to accounting software (e.g., Quicken, Money and Simply Accounting).
- Customize Your View
From the Update Profile page, you can choose how you want to view your Account Balances page.
- Standard view – Lists accounts by product type
- Assets & Liabilities view – List your holdings based on assets (chequing/savings, investments) and liabilities (Visa* credit cards, mortgages, loans)
- View Cheque Images
Use Online Banking to view and print digital images of certain paper-based transactions, including items deposited via ATM and cashed cheques written from your chequing and savings accounts. This service is free for cheques written from your account, but there is a charge for digital images of ATM deposits.
- Transaction History
Get a detailed history of your transactions, dating as far as 3 months back. Plus, use the Self Service menu on the right side of the page to pay bills, transfer funds, order cheques and more.
- Search For Transactions
Online Banking makes it easy to search for a particular transaction.
- Search by transaction type (e.g., cheques, withdrawals, deposits)
- Search by time period (e.g., last 2 weeks, last 30 days)
- Consolidate Your Accounts with My View™ Account Profile
This feature enables you to view your holdings at other RBC Financial Group companies, as well as other financial institutions, right from your Account Balances page.
- View Other RBC Royal Bank Accounts
You can use My View™ Account Profile to manage RBC personal accounts that are linked to any other Client Cards you might have, as long as they’re set up for Online Banking.
- View Your RBC Bank (USA) Accounts
RBC Bank (USA) Web Banking clients can use My View™ Account Profile to view their account details on the Account Balances page.
- View Accounts From Other Financial Institutions
If you already have online access to bank accounts, mortgages, loans and credit cards with other financial institutions, you can use My View™ Account Profile to include them on your Account Balances page.
- Account Services
Valuable features and tools, including helpful online calculators, which can help you better manage your finances and your time, online and offline.
- Change Your Statement Options
Selected accounts give you the option of receiving Electronic Statements, rather than paper statements. It’s a great way to reduce clutter and extra paperwork. Electronic Statements are stored in a PDF format within Online Banking for up to 7 years. You can also choose to receive cheque images, rather than actual paper cheques for selected accounts.
- View Electronic Statements
Your statements will be available in PDF format within a month of switching to Electronic Statements. A notification will be automatically sent to the Message Centre, each time a new statement arrives. You may also choose to have notifications sent to your personal email account whenever new statements arrive.
- Open Personal Deposit Accounts
Need to add a new Canadian dollar account? Open one quickly and easily with Online Banking.
- Stop Cheque Payment Requests
Save yourself a trip to your branch by stopping cheque payments quickly and easily with Online Banking.
- Order New Cheques
The next time you need cheques, order them online. Choose from a wide range of designs and even view previous online cheque orders.
- Update Profile
You can easily manage your account details, including:
- Updating personal information
- Updating your email and mailing addresses
- Updating Personal Verification Questions and answers
- Nicknaming your accounts and payees
- Setting your online banking display preference
Online Banking helps you manage your credit by helping you stay on top of how much you owe, your payment due dates, and the expenses that are going through your accounts. Plus, it lets you pay down your accounts conveniently online.
- RBC Royal Bank Credit Card
Online Banking gives you a complete snapshot of your RBC Royal Bank credit card account, including your balance, credit limit, and transactions as soon as they’re posted. Access to the most up-to-date information helps you stay on top of your finances, without waiting for your monthly statement to arrive.
- Mortgage Details
While you’re working hard to pay down your mortgage, Online Banking makes it easy for you to keep track of the details. You can even pay it off faster with the Double-Up® Payment feature. Look here for your:
- Outstanding balance
- Interest rate
- Payment details
- And more
- Making Double-Up® Payments
Use this feature to save money and become mortgage-free faster. You can pay from $100 up to the amount of the principal and interest portions of your payment on any regular payment date. The amount you choose is applied to the principal balance of your mortgage on the selected payment date.
- Skip-A-Payment
Perhaps you’re planning a trip or need extra money for holiday gifts. With selected mortgages, you can make a request to skip your mortgage payment once each year.
- RBC Homeline Plan™
The RBC Homeline Plan gives you the power and flexibility to manage your mortgage and borrowing needs, at a lower cost of borrowing. With Online Banking, you can easily keep track of the products within your RBC Homeline Plan.
- Loans
Get the information you need to manage your loan and pay it off quickly.
- Delay a Loan Payment
This helpful feature gives you extra time to make a payment, if you need it.
- Skip a Loan Payment
From time to time, you may need access to extra funds. This feature makes it possible to skip one of your loan payments, once every 12 months.
- Royal Credit Line®
Managing your Royal Credit Line is effortless with Online Banking. With features that let you view your balance, credit limit and remaining credit, you’ll always know how much money you can immediately access. Plus, you can view a history of your transactions to help you keep track of your spending.
- Increase Credit Line
If you’ve found you require more credit, simply apply for a credit limit increase via Online Banking.
- Make a Loan Payment
Make loan payments online as often as you like – it’s a fast, convenient way to pay down debt and reduce interest costs.
- Apply for a Loan
Rest assured there’s an RBC Royal Bank product to meet your every borrowing need. And, you can conveniently apply online. Choose from personal loan, Royal Credit Line®, car loan and more.
Insurance
- Travel Health Protector®
Before leaving your province or the country on your next trip, make sure you’re covered with Travel HealthProtector insurance. Simply use RBC Online Banking to purchase it online. You can print your policy information on the spot, and conveniently make payments from your Canadian or U.S. dollar account.
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No more stamps to buy and cheques to mail. Pay your bills online 24/7. It’s the ultimate time-saver. Plus, quickly and effortlessly transfer funds to your own accounts or to other people’s. It’s added peace of mind, especially if you have kids away from home or you have to send money home to family or friends.
- Pay Over 6,000 Canadian Billers
Online Banking gives you the flexibility to pay bills any time, without leaving home to do it. You can even pay multiple bills at once – without paying separate transaction banking fees for each bill payment.1
To pay a bill, first add the utility company or business to your payee list. If you’re already set up to pay bills via ATM, Telephone Banking or through your branch, then you’re ready to go.
1 If paying from a Visa account, a $2.50 cash advance fee applies and the annual interest rate is charged from the day the transaction is posted until the balance is paid in full; if paying from a Royal Credit Line, regular interest charges apply.
- Creating and Updating Your Payee List
Paying bills online is so convenient that you’ll want to use it as often as you can. It’s easy to add new businesses to your Payee List and make changes to existing ones.
- Post-Dated Bill Payments and Fund Transfers
If you have regular bill payments or transfers, you can post-date them or schedule them to happen automatically. That way, you’ll make all your payments on time, without a second thought – even when you’re away.
- Changing or Deleting a Post-Dated Payment
Need to modify a post-dated payment? No problem. You can easily change the amount of your payment or delete it altogether.
- Paying Multiple Bills
Save time by paying up to ten bills at once. Just pick the payees you want to pay, enter your payment information, and confirm.
If you have a bank account that charges fees per transaction, you’ll save money with this feature – we’ll bundle your payments so you pay only once. Plus, Payment History will keep track of all your bill payments made in the last 6 months.
- Receive Bills Online
If you’d like to receive and pay your bills all in one spot, epost* is for you. It’s Canada Post’s online mail delivery service, and a third-party service provider of RBC Royal Bank. epost can be accessed via Online Banking. And, you can even set up email alerts, which let you know when a bill has arrived.
- View Bills
Save time. Save paper. View and pay your epost* bills directly from Online Banking.
- Pay epost* Bills
View your bill through epost and then pay it immediately with RBC Online Banking, if you choose. All the essential billing information will be conveniently carried through to your bill payment screen, including the amount and due date.
- Transfer Funds to Other Accounts
You can transfer funds easily between your Canadian and U.S. Dollar Accounts.
- Transfer Funds to Other RBC Royal Bank Clients
If you have kids away at school, or share expenses with a roommate who has an RBC Royal Bank account, this feature is indispensable. To use it, you’ll need this information:
- Name of the person you’re sending money to – exactly as it appears on their account statement or RBC Royal Bank Client Card. It's a good idea to verify the exact name and spelling before attempting to transfer funds.
- Their Account Number
- Their Branch Number
- Send Funds Internationally
RBC International Remittance® makes it easy for you to send money to family and friends overseas. In just a few simple steps, you can send money to most countries and have the funds directly deposited to the recipient's bank account or available for pickup. Funds are sent using a secure and trusted electronic bank-to-bank transfer system making this a safe and efficient way to send money. To use this feature, you’ll need to have the following recipient information:
- Name and address
- Beneficiary Bank name and SWIFT bank identifier code (BIC).
- Bank account number for direct deposit*
* For those countries that require an International Bank Account Number (IBAN) or Clave Bancaria Estandarizada (CLABE), please obtain this number and enter without spaces.
- Managing Recipients
Sending money internationally through Online Banking is so easy, you’ll want to use it whenever you need to send money abroad. It’s easy to add new recipients to your Recipient List and make changes to existing ones.
- Interac‡ e-Transfer
This practical service enables you to send money to anyone with an email address and a Canadian bank account. In order to send money, you need access to RBC Online Banking, plus the email address of the recipient.
If you’re receiving money, you’ll need an email address. Clients at certain financial institutions within Canada must first register with CertaPay to receive Interac e-Transfers.
From the comfort of your home or office, you can track your RBC Royal Bank investments as well as your RBC Direct Investing™ and RBC Dominion Securities accounts. Plus, save yourself trips to the branch by using the many time-saving features that Online Banking offers, such as contributing to your RRSP, renewing GICs, updating GIC maturity instructions, and much more.
- Registered Investments
At a glance, you can view the current balance, book value and types of investments within your registered plans. From here, you can also see your transaction history, make additional RRSP contributions, switch investments within your RRSP, and update your GIC maturities.
- Contribute to an RRSP
Whether topping up your RRSP, maxing out before the deadline, or diversifying your asset mix, you can do it all conveniently from your computer.
- Switch Investments Within Your RRSP
As you save for your retirement, you may want to switch investments within your portfolio. With Online Banking, you’ll save trips to the branch, by doing it from home or the office.
- Non-Registered Investments
Monitoring your non-registered investment holdings is effortless with Online Banking. Plus, you can use Online Banking to purchase additional mutual funds and GICs, as well as switch and sell mutual funds within your account.
- Purchase Mutual Funds
As long as you’ve updated your Investor Profile within the past 12 months, you can conveniently buy RBC Funds online. Just use Online Banking to transfer money into your non-registered investment account. Then, purchase your mutual funds.
- Withdraw From This Account
Perhaps you want cash on hand for other opportunities – investment or otherwise. You can use Online Banking to withdraw mutual fund units from your non-registered Investment Account.
- Switch Investments
Over time, as your investment objectives and risk tolerance change, you may want to rebalance your investments. With Online Banking, you can easily switch your mutual funds within your non-registered Investment Account.
Note: in order to switch to a mutual fund, you must have updated your Investor Profile within the past 12 months and the mutual fund selected must be in line with your Investor Profile.
- GIC Account Holdings
GICs are a great way to protect your principal investment and grow your money. Online Banking helps you manage your existing GICs and purchase new ones.
- Buy a GIC
GICs offer you a safe, low risk way to grow your money. Choose the GIC that suits your investment needs and goals. Then, purchase it online.
- Change GIC Maturity Instructions
Within the last 30 days of your GIC term, you can change your maturity instructions. For example, you may wish to renew to a different type of GIC or different term. You can save time by doing it with Online Banking.
- Change GIC Payout Deposit Account
If you decide to change the payout account for your maturing GIC, you can update this information with Online Banking.
- Change GIC Interest Deposit Account
If you decide to have the interest from your GIC deposited into a different account, you can update this information any time with Online Banking.
- RBC Direct Investing™
RBC Direct Investing™ offers you a secure and direct way to invest online or by phone 24 hours a day. Choose from a wide range of investment solutions including stocks, bonds, GICs and over 2,500 mutual funds to assist you in building a balanced portfolio. RBC Direct Investing provides research, information and tools to help you make smarter choices and to validate and track your investments.
And, within Online Banking, you can use My View™ Account Profile to conveniently view your RBC Direct Investing accounts, and even transfer funds between your bank account and RBC Direct Investing account.
Visit the RBC Direct Investing site for more information and to sign up today.
- RBC Dominion Securities
If you have an RBC Dominion Securities account, you can use the Online Banking " My View™ Account Profile" feature to view your account details alongside your other RBC accounts. Just have your Investment Advisor set it up for you.
Plus, you can use RBC Dominion Securities Online Services to access a wealth of information.
- View complete account information any time
- Check the status of your trade orders
- Obtain real-time quotes for stocks and options, and daily closing prices for mutual funds
- Create "watchlists" of securities you want to monitor
- Read market information and investment news
For more information about this service, take the RBC Dominion Securities Online tour.
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