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If you'll be travelling soon and plan to use your credit card or client card, you no longer need to tell us you’ll be away from home. We have industry-leading fraud detection systems that protect you and your accounts from suspicious or unauthorized transactions. Just make sure we have your up-to-date contact information so we can reach you if necessary. To view or update your contact information, sign in to Online Banking and select Profile and Preferences from the Banking tab.
Every Client Card has shared daily and weekly limits for ATM withdrawals and Point-of-Sale transactions. There are separate limits for online transfers.
Depending on the type of account you have and how long you’ve been a client, the limits can vary. If you want to know what your limits are, or increase them, give us a call at 1-800-769-2511.
When you make a transaction at a chip-enabled terminal with your RBC Chip and PIN credit card, you're in control. The process is quick and easy and your card should never leave your sight:
- Rather than swiping your card, it will be inserted into the terminal and left there for the entire transaction. Removing the card will terminate the transaction.
- You will follow the prompts on the screen and enter your PIN instead of verifying the transaction with your signature.
- When the transaction is complete, you will remove your card when prompted and wait for the receipt.
If the store or restaurant does not yet have a chip-enabled terminal, your card will be swiped and you will sign the receipt as you do today.
If you are a commercial cardholder, please call
We are all concerned about privacy and security issues including identity theft and fraud. RBC is committed to protecting you, but at the same time, you face decisions every day about what personal information you divulge and how you conduct yourself online. Find out what steps you can take to protect yourself and keep your information secure.
Authorized Transactions are those that still need to be settled by a retailer or service provider. Most transactions stay authorized for 3-5 days. When a retailer or service provider finishes the work on their end, the transaction will move to Posted Transactions.
Posted Transactions are 100% complete. We’ve paid the retailer or service provider and charged the transaction to your credit card.
Sometimes you’ll see an Authorized Transaction that doesn’t match the final amount of your purchase. Don’t worry. Some businesses (like gas stations and hotels) ask us to pre-authorize an amount before you’ve finished your purchase. Once we settle the charge, you’ll see the actual amount you spent in your Posted Transactions.
If you do see an item in your Posted Transactions that isn’t what you expected, contact us at 1-800-769-2512. We’ll be happy to go through it with you.