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Save Money with a U.S. Bank Account and U.S. Credit Card

The perfect cross-border banking bundle for Canadians who live, work, visit or study in the U.S.

Direct Checking
U.S. Bank Account

  • Exchange and move money online – instantly and for freeLegal Disclaimer2 – between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts
  • Get cash at any U.S. ATM. If you’re charged a fee, we’ll reimburse you, limits applyLegal Disclaimer3
  • Pay U.S. bills in seconds – from Canada or the U.S.

  • You don’t need to be a U.S. resident. Use your Canadian address to open your account
  • Deposit U.S. checks using your smartphone or tablet
  • 10 monthly debits; $1 per additional debitLegal Disclaimer4
  • No minimum balance
  • FDIC insured up to $250,000 per ownership categoryLegal Disclaimer5

Special limited-time offer until August 31st: $0 introductory monthly fee for 6 months with eStatements and an eligible credit cardLegal Disclaimer1

After the introductory period, choose from two convenient options:

Best Value: Save 2 Months

Annual fee with eStatements: 

$39.50

or
Monthly fee with eStatements: 

$3.95

No Annual FeeLegal Disclaimer6
Visa Signature Black U.S. Credit Card

  • Save up to $25 for every $1,000 you spend by avoiding foreign transaction fees typically charge on U.S. purchases. You won’t pay the typical 2.5% transaction fee on U.S. purchasesLegal Disclaimer7
  • Protect your U.S. travel, purchases and vehicle rentals with card insurances and services at no extra costLegal Disclaimer8
  • Get travel perks and conveniences like signature concierge services to scheduled events and purchase tickets
  • Earn the rewards you want including gift cards to your favorite restaurant or store, travel or cash back

  • We’ll use your Canadian credit history and your RBC Royal Bank relationship to help you qualify
  • Get emergency cash and card replacement
  • Use your RBC Rewards points to pay for flights, hotels and more. Plus, there’s no blackout dates or seat restrictions when you fly
Annual Fee:
Additional Card:
$0
Purchase Rate:

Low Introductory APR Offer

Note: To sign up for a Visa Signature Black credit card, you must open or already have an RBC Bank U.S. bank account.

Apply and be approved for a cross border banking package before August 31, 2018 and we’ll waive the monthly account fee for 6 monthsLegal Disclaimer1

  • Save an average of $300 per yearLegal Disclaimer10 on foreign exchange and wire transfer fees
  • Online Banking makes it easy. View your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts with a single sign-in
  • Exchange and move money online – instantly and for freeLegal Disclaimer2 – between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts

Learn More:

Frequently Asked Questions

Other Ways to Apply:

Call 1-855-723-9416

Making a Break For The U.S.?

Prevent a financial hardship during your travels from unexpected emergency medical costs and other unforeseen events with Travel Insurance.

RBC Bank, Equal Housing Lender Equal Housing Lender Member FDIC.
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”).
RBC Travel Insurance is underwritten by RBC Insurance Company of Canada. In Quebec, certain coverage underwritten by Aviva General Insurance Company.
®/TM Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
Offer period is June 1, 2018 through August 31, 2018 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary accountholder on any RBC Bank U.S. checking account for the 12 months prior to the start of the offer period. To qualify, client must open a new RBC Bank Direct Checking account and be approved for any RBC Bank credit card before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. Direct Checking account must be enrolled in eStatements, account must be funded according to the Personal Schedule of Fees and the credit card opened by September 7, 2018. For eligible clients, RBC Bank will waive the Direct Checking monthly fee with eStatements ($3.95) for 6 months, or if the annual fee option is selected, the initial annual fee will be assessed and separately a credit for 6 months with eStatements ($23.70) will be applied. All other checking account fees apply. After 6 months, the clients who selected a Direct Checking account with a monthly account fee will begin to be charged the standard account fee. If a client applies for an RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card will not be waived. Offer is available for a limited time only and can be withdrawn at any time.
No foreign transaction fees or transfer fees will be charged. Foreign exchange rates apply when converting currencies. Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your account transaction history until the following day but will reflect the date of transfer.
Standard account fees and transaction limitations will apply. If ATM fees apply, during the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. Refunded fees: up to 2 fees per cycle for Direct Checking account holders; upon client request.
Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.
Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov.
All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of foreign transaction regardless of whether the transaction is made in U.S. Dollars or in a foreign currency (Exception: Puerto Rico and U.S. Virgin Islands). Late Payment Fee- up to $35. Returned Payment Fee - up to $35.
Some Canadian credit cards charge a foreign transaction fee of 2.5%, which equals $25 for a $1,000 USD purchase.
All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
Rate: As published in the Wall Street Journal, Eastern Edition, on the 20th day of the preceding month; current rate is 4.75% as of April 1, 2018.
Based on an average spend of $10,000 per year in the U.S. on a Canadian credit or debit card with a foreign transaction fee of 2.5%, plus two (2) wire transfers per year at a cost of $30/transfer.
The app is a value-added option available to RBC Travel Insurance policy holders.
This is an RBC Travel Insurance Non-Medical package which includes Trip Cancellation Coverage for single trips. If you require Trip Cancellation Coverage to be part of your travel insurance package, please contact us at 1-800-565-3129 any time between 6 a.m. to 12 a.m. ET, seven days a week to apply.