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Cross-Border Banking – Available Anywhere, Anytime

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 free1 – 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 apply2
  • Pay U.S. bills in seconds – from Canada or the U.S.

Two convenient options:

Best Value: Save 2 Months
Annual Fee with eStatements: $39.50
Close $59.50 per year with paper statements.
Monthly Fee with eStatements: $3.95
Close $5.95 per month with paper statements.

No Annual Fee5
Visa Signature Black U.S. Credit Card

  • Save $25 for every $1,000 you spend by avoiding foreign transaction fees on your U.S. purchases. You won’t pay the typical 2.5% transaction fee on your U.S. purchases.
  • Protect your U.S. travel, purchases and vehicle rentals with card insurances and services at no extra cost6
  • 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: $05
Additional Card: $0
Purchase Rate: Low Introductory APR Offer
Close 0% introductory APR for 6 months. After the introductory period, a variable interest rate of between 11.49% and 21.49% will apply. This APR will vary with the market based on the prime rate7.

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

U.S. Bank Account + Visa Signature Black Credit Card

Apply for the Cross-Border Banking Bundle Today

  • Save an average of $300 per year8 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 free1 – between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts

Other Ways to Apply:

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. Used under licence.

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
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.
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 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.
We are pleased to offer a Non-Medical package which includes Trip Cancellation Coverage for single trips in addition to our other RBC Travel Insurance products. 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.