RBC
Hi! We'd like to save these settings for you:
Personal Banking, Canada (English)

U.S. Banking
for Canadians

U.S. Banking
for Canadians

Spend time on both sides of the border?

No matter how often you visit the States or how long you stay, we make it easy for you to bank, live, work and play on both sides of the border.

Cross-Border Banking

What are you looking for?

Whether you’re living in the U.S. or just visiting for a few days, we’ve got solutions and advice to make life easier for you.

Bank accounts icon

Bank Accounts

Get U.S. cash, pay bills, write cheques or transfer money from Canada to the U.S. instantly and for free1.

Learn More

Bank accounts icon

Bank Accounts

Get U.S. cash, pay bills, write cheques or transfer money from Canada to the U.S. instantly and for free1.

Learn More

Savings accounts icon

Savings Accounts

Earn more with our U.S. dollar savings accounts.

Learn More

Savings accounts icon

Savings Accounts

Earn more with our U.S. dollar savings accounts.

Learn More

Credit cards icon

Credit Cards

Shop in the U.S. and avoid paying foreign transaction fees. Plus, you get access to valuable insurance benefits6 at no extra charge.

Learn More

Credit cards icon

Credit Cards

Shop in the U.S. and avoid paying foreign transaction fees. Plus, you get access to valuable insurance benefits6 at no extra charge.

Learn More

Mortgage solutions icon

Mortgage Solutions

Buying a home in the U.S.? We make it easy for Canadians to finance property in the U.S.

Learn More

Mortgage solutions icon

Mortgage Solutions

Buying a home in the U.S.? We make it easy for Canadians to finance property in the U.S.

Learn More

U.S. Bank Accounts

Whether you need U.S. cash or have to pay your condo’s electric bill, our U.S. accounts have you covered. Take a look at our U.S. dollar accounts to find the right one for you.

U.S. Personal AccountTM 

This account is great if you head to the U.S. every once in a while. You can get U.S. cash while in Canada or deposit U.S. dollars when you’re back.

Learn More Sign me up

Direct Checking

Perfect if you plan to stay in the U.S. for a while or visit often. You can instantly exchange and transfer money cross-border1, pay U.S. bills, write U.S. cheques, and get cash from U.S. ATMs.

Learn More Sign me up

Premium Checking

Choose this account if you like all the perks of a Direct Checking account, plus one of the best foreign exchange rates RBC offers, unlimited transactions, and interest on your account balance.

Learn More Sign me up

U.S. Savings Accounts

Earn interest on your U.S. dollars and watch your money grow. Whether you’re saving for your next shopping trip or a beachside condo, our U.S. savings accounts can help you along.

RBC US High Interest eSavings Account®

Perfect if you want to set aside U.S. dollars for a trip. There’s no monthly fee and no minimum balance, plus you’ll earn interest on every dollar. You can also withdraw U.S. dollars in Canada once a month for no fee2.

Learn More Sign me up

Preferred Money Market Savings,3

Ideal if you’re saving for a down payment on a U.S. home, planning for an extended trip to the U.S. or want to take advantage of great rates on your U.S. dollars. This high-interest savings account lets you transfer money between Canada and U.S.1 and your money is FDIC insured4.

Learn More Sign me up

U.S. Credit Cards

Say goodbye to foreign transaction fees and hello to amazing rewards with our U.S. dollar credit cards. Whether you use a credit card every once in a while or all the time, our U.S. dollar credit cards are packed with rewarding benefits.

U.S. Dollar Visa Gold®

Visa Gold

Perfect if you want the flexibility to make your transactions in U.S. funds and avoid the hassles of daily currency fluctuations. Earn 1 RBC Rewards point every $1 USD spent with your card, plus get premium insurance benefits6.

Perfect if you want the flexibility to make your transactions in U.S. funds and avoid the hassles of daily currency fluctuations. Earn 1 RBC Rewards point every $1 USD spent with your card, plus get premium insurance benefits6.

Learn More Sign me up

Visa Signature Black / Black Plus

Visa Signature Black

Ideal if you spend more time in the U.S. – for vacations or retirement. Avoid foreign transaction fees on your U.S. purchases with this U.S. issued credit card. Earn 1 RBC Rewards® point on Signature Black and 1.5 Rewards points on Signature Black Plus for every dollar spent5, plus get premier insurance benefits6.

Learn More Sign me up

U.S. Mortgages

Ready to buy your own place in the U.S.? We can help make it happen.

We’re the only U.S. bank dedicated to helping Canadians buy property in all 50 U.S. States. Here’s how we do it:

  • We’ll use your Canadian credit history and your RBC Royal Bank relationship to help you get a mortgage8
  • We “speak Canadian”, so we can walk you through each step and highlight the differences between Canada and the U.S.
  • You can pay off your mortgage at any time – there are no pre-payment penalties with an RBC Bank mortgage
  • Best of all, we don't charge a foreign national premium, saving you up to 3% on your U.S. mortgage.
Learn More

The Frequent Traveller package:

If you like to shop online, travel to the U.S. to attend an event, or go on a family vacation. This package lets you withdraw U.S. cash while you’re in Canada and pay for purchases in U.S. dollars.

U.S. Personal Account

  • No minimum balance
  • Up to 6 debits / month
Learn More Sign me up

U.S. Dollar Visa Gold

  • Make transactions in U.S. dollars
  • Earn RBC Rewards points5
  • Trip cancellation insurance and protection
Learn More Sign me up

The Snowbird package:

This package is perfect if you like to spend your winter somewhere warm and want the flexibility of accessing your cash in Canada or in the U.S., pay for purchases, earn rewards and get valuable travel benefits in the U.S.

RBC U.S. High Interest eSavings Account

  • Earn interest on every U.S. dollar
  • No minimum balance
  • No monthly fee2
Learn More Sign me up

Direct Checking

  • Instant and free online transfers from Canada to U.S.1
  • Withdraw or deposit U.S. dollars in the U.S.
  • Pay U.S. bills
  • Write U.S. cheques
Learn More Sign me up

Visa Signature Black card

  • Pay for purchases in the U.S. and avoid foreign transaction fees
  • Earn 1 RBC Rewards point for every dollar spent5
  • No annual fee7
Learn More Sign me up

Relocating to the U.S. package:

Everything you need if you are working or relocating to the U.S. You can easily and quickly move money across the border and get great rates. Access to U.S. dollars and a U.S. credit card is a must for simplifying your financial life in the U.S. while maintaining a connection to Canadian finances.

Preferred Money Market Savings

  • Earn interest on every U.S. dollar
  • No minimum balance
  • Your U.S. dollars are FDIC insured up to $250,0004
Learn More Sign me up

Premium Checking

  • Instant and free online transfers from Canada to U.S.1
  • Unlimited chequing account transactions
  • One of RBC’s best foreign exchange rates
  • Pay U.S. bills
  • Write U.S. cheques
Learn More Sign me up

Visa Signature Black Plus card

  • Pay for purchases in the U.S. and avoid foreign transaction fees
  • Earn 1.5 RBC Rewards points for every dollar spent5
  • Premium Travel insurance benefits6
  • $75 annual fee7
Learn More Sign me up

Need some help?

Just answer a few quick questions, and we’ll put you on the right track.

About how much time do you spend in the U.S. each year?

Get started