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Personal Banking > Accounts & Services > Managing Your Bank Accounts > Additional Services

Additional Services

This section provides information on a variety of additional services available to you as an RBC Royal Bank® account holder.

To view our Account Disclosure Booklet Click Here PDF (opens new window).

Account Inquiries

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Service Fee
Balance Inquiries, Bankbook updates, Online Banking account history Free
Interim statements ordered at branch $2.50 each
Statement updates at RBC® ATM Full: $1.50 each
Mini: $0.75 each
Certificate of account balance/loan interest paid RBC Royal Bank form #1660: $5.00
Personalized typed letter: $15.00
Provision or acceptance of Bank of Canada notes and coins Free
Overdraft protection(5,15) $3.00 a month or overdraft interest, whichever is higher (Monthly fee included in RBC VIP Banking™ and RBC Signature No Limit Banking™ accounts)
Overdraft item handling $5.00 each plus debit fee and overdraft interest
Non-sufficient funds (NSF) $40.00 each
Cheque certification $10.00 if presented by issuer

$15.00 if presented by non-issuer who is an RBC Royal Bank client

$25.00 if presented by non-issuer who is not an RBC Royal Bank client
Automated/recurring funds transfers between RBC accounts (Canadian dollar only): Fee waived for RBC VIP Banking and RBC Signature No Limit Banking accounts
Mail confirmation if required $3.00 each
Interac(‡) Email Money Transfer $1.50 each

(up to two free per month for RBC VIP Banking and RBC Signature No Limit Banking accounts)
Money orders and bank drafts — all currencies $6.50 each

(up to 12 per year for RBC VIP Banking and RBC Signature No Limit Banking accounts)
Access to RBC Royal Bank Online Banking and Telephone Banking(4) Free
Stop-payment $10.00 each
Over-the-counter cheques $1.50 per sheet of three cheques. Fee waived if regular cheque order placed at that time.
Cheques written in currency other than that of the account $15.00 in currency of account

Account Closings Upon Request

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Service Fee
Within 15 days of opening account Free
Within 16-90 days of opening account $15.00 if balance is not transferred to other RBC Royal Bank account

$15.00 U.S. if U.S. account
After 90 days Free
Account transfer to another financial institution $20.00
Inactive account fee(10)

Note: fee waived if notice is acknowledged within 30 days of mailing date or if account is reactivated within specified time period.

 $20.00 per year after two years of inactivity, up to eight years of inactivity. A notice will be sent after years two and five. Waived for RBC Leo's Young Savers Account™.

Dormant Fee(10)

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Service Fee
Nine years $40.00
Items Returned unpaid $7.00
Collections 0.30% of the value of the item (minimum $30.00, maximum $150.00)

Safe Deposit Boxes

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Service Fee
Rentals Starting at $40.00 annually plus tax

(annual discount included with RBC VIP Banking and RBC Signature No Limit accounts)
One lost key $25.00 plus tax
Two lost keys $100.00 plus tax, including lock and key replacement costs and locksmith fees

View Transaction Images Less Than 90 Days Old

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Service Fee
Online Banking $1.50 per view
Printed copies $5.00 per copy

Search for Records, Vouchers, Names, Accounts

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Service Fee
Less than 90 days old $5.00 per item
Greater than 90 days old $10.00 per item
Multiple items $40.00 per hour;
$20.00 minimum

Copy of a Personal Account History Statement

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Service Fee
Less than 90 days old $5.00 per item
Greater than 90 days old $10.00 per item

American Express(†) Travellers Cheques

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Service Fee
Purchases 1% of total purchase(11);

2% of total purchase of U.S. dollar cheques for two(11)

(Commission-free with RBC VIP Banking and RBC Signature No Limit Banking accounts)
Encashment Encashment commission waived for AMEX(†),

$3.00 each for all others

Non-Client Service

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Service Fee
In-branch paper bill payment $3.00 fee applies to each bill payment, including Visa(*) card payments. Fee is waived for RBC Royal Bank Visa card bill payment.
Negotiating cheques $5.00 fee applies to any negotiated cheque. Fee is waived on all Federal Government of Canada cheques. Fee is also waived on all Provincial and Municipal government cheques up to $1,500.
Money orders and bank drafts - all currencies $15.00 each

Outgoing Wire Payments

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Service Fee(16,17)
Outgoing payment within Canada or to other countries (most currencies) Starting at $15.00 plus a $5.00-$10.00 communication fee

(ask us for further details)
If an International Bank Account Number (IBAN) is not provided for a wire payment going to countries in the European Union Add $25.00

Outgoing Wire Payments, Inquiries and Tracing

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Service Fee(18)
Not delivered as instructed Free
Delivered as instructed Starting at $25.00 plus GST(19)

(ask us for further details)
Cancellation or amendment of outgoing wire payments Starting at $25.00 plus GST(19)

(ask us for further details)

Incoming Wire Payments

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Service Fee
Incoming wire payment from an RBC Royal Bank unit located in Canada Free

Incoming Wire Payment from Another Financial Institution Located Anywhere Worldwide:

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Service Fee
$50.00 Cdn/U.S. and under Free
Over $50.00 Cdn/U.S. $15.00 Cdn or $15.00 U.S. depending on the currency of the incoming wire payment

Note: this fee is deducted from the principal of the wire payment prior to being credited to your account

Credit Advice of Incoming Wire Payments and Debit Advice/Receipt of Outgoing Wire Payments:

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Service Fee
Advice by telephone/fax $5.00
Advice by mail $3.00