With no minimum balance required, you get:

• Unlimited debit transactions
• 3 non-RBC ATM transactions per month with the access fees refunded^(1,2)
• Free personalized cheques
• Free overdraft protection^{(3, 4)}
• Enjoy up to $39 rebate on the annual fee of an eligible RBC Royal Bank^® credit card^{(4, 5)}
• Free access to online ⁽⁶⁾, telephone and mobile banking
• American Express^† Travellers cheques (commission-free single signature)
• Safe Deposit Box⁽⁷⁾ (annual $12 discount on rental fee)
• 2 free Interac^‡ e-Transfers each month⁽²⁾
• 2 free cross-border debits each month^(2,8)
• 6 free bank drafts and money orders per year⁽²⁾
• Exclusive travel offers , including a $50 annual travel voucher⁽⁹⁾ from Carlson Wagonlit Travel^(††).

Explore the complete features and fees for this account.

^† Registered trademark of American Express Company. Used under license.
^‡ Interac is a registered trademark of Interac Inc.
^†† Carlson Wagonlit Travel is a registered trademark of Carlson Wagonlit Canada ("Carlson Wagonlit Travel"). Used under license.
1) RBC will refund the Interac network access fee up to a maximum of three (3) refunds per month, if used. Some ATM operators apply a surcharge (also known as a convenience fee) for use of their ATMs. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non RBC ATMs may be charged a convenience fee regardless of the type of account they hold.
2) Totals are not cumulative and, if not used, cannot be carried over into the next applicable monthly cycle or calendar year.
3) Monthly overdraft protection fee is waived. Overdraft interest charge applies if used. If an Account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
4) Subject to credit approval.
5) $39 rebate applies to the primary account holder on the annual fee on one of the following eligible credit cards: Signature^® RBC Rewards^® Visa^‡ card, or WestJet RBC^®MasterCard^‡ OR a $35 rebate for the primary account holder on the annual fee of any one of the following eligible credit cards: Visa Infinite Avion^®, Visa Platinum Avion, RBC Rewards Visa Preferred, RBC Royal Bank U.S. Dollar Visa Gold, British Airways^‡ Visa Platinum, Cathay Pacific^‡ Visa Platinum or WestJet World Mastercard.
6) Transaction fees may apply for bill payments or funds transfers made through Online Banking and are separate from access fees.
7) Pro-rated for partial years.
8) On operating account only.
9) One certificate per customer. Can be used towards any preferred supplier vacation package, tour or cruise booking with a minimum value of $2,500, exclusive of taxes. Certificates can be combined: one certificate with each $2,500 worth of travel. Valid for two years from date of issue.