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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 free2 – 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 apply3
  • Pay U.S. bills in seconds – from Canada or the U.S.

Special offer for Snowbirdadvisor.ca members: $0 introductory monthly fee for 12 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
Close $59.50 per year with paper statements.
or
Monthly Fee with eStatements: $3.95
Close $5.95 per month with paper statements.

No Annual Fee6
Visa Signature Black U.S. Credit Card

  • Save up to $25 for every $1,000 you spend by avoiding foreign transaction fees typically charged on U.S. purchases7
  • Protect your U.S. travel, purchases and vehicle rentals with card insurances and services at no extra cost8
  • 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

Annual Fee: $06
Additional Card: $0
Purchase Rate: Low Introductory APR Offer
Close 0% introductory APR for 12 months. After the introductory period, a variable interest rate of between 11.74% and 21.74% will apply. This APR will vary with the market based on the prime rate9.

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 and we’ll waive the monthly account fee for 12 months1

  • Save an average of $300 per year10 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 free2 – between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts

Other Ways to Apply:

Mention Promo Code SNOWBIRD

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”).

Offer is available for Snowbirdadvisor.ca members only who also become new clients of RBC Bank (U.S.). 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 apply for an RBC Bank credit card at the same time as the checking account. Promotion code – SNOWBIRD – must also be submitted with the application to qualify. Employees of Royal Bank of Canada do not qualify for this offer. Direct Checking account must be enrolled in eStatements and account must be funded according to the Personal Schedule of Fees. For eligible clients, RBC Bank will waive the Direct Checking monthly fee for 12 months, or if the annual fee option is selected, the initial annual fee will be waived for the first year. All other checking account fees apply. After 12 months, the standard monthly or annual fee will begin to be charged. If a client applies for a RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card is not 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.
Many Canadian credit cards charge a foreign transaction fee of 3.5%, which equals $35 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.
Prime Rate: As published in the Wall Street Journal, Eastern Edition, on the 20th day of the preceding month; current rate is 5.00% as of July 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.