For one flat monthly fee, this all-inclusive personal banking package includes the option to select up to four accounts23, unlimited monthly transactions with Interac‡ and PLUS‡ System network fees waived, a free premium Visa* card, monthly overdraft protection fees waived and so much more! You can also take advantage of exclusive travel benefits available with your RBC VIP Banking status.
** Save on your monthly fee! Get RBC VIP Banking for only $22.50 per month with our MultiProduct Rebate when you hold an RBC Royal Bank® qualifying investment, an RBC Rewards® or RBC Royal Bank Visa Specialty Rewards cards and an RBC mortgage or RBC Homeline Plan™.
If you're 60 years or older, you could benefit from our Seniors Rebate - a discount of 25 % off the regular monthly fee1.
Operating Account
(Account on which the monthly fee is applied) |
| Monthly fee |
$30.00 |
| Monthly fee after MultiProduct Rebate |
$22.50 when you hold each of the following eligible RBC® products:
- An RBC Royal Bank investment (Registered or Non-Registered)
and
- An RBC Rewards® or RBC Royal Bank Visa Specialty Rewards cards
and
- An RBC mortgage or RBC HomeLine Plan
|
| Monthly fee after Seniors Rebate1 |
$22.50 |
| Free debits per monthly cycle |
Unlimited |
| Interac and PLUS System ATM network access fees3 |
Free |
| Free personalized cheques13 |
RBC Royal Bank VIP style |
| Search for Records/Trace Items greater than 90 days old6,13 |
Up to 4 per calendar year |
| Deposited item returned NSF |
Waived Fee |
| Overdraft protection5,15 |
Monthly fee waived.
Interest applies, if used. |
| Certified cheques6 |
Up to two free per calendar year |
| Stop payments13 |
Included |
| Interac Email Money Transfers6,13 |
Up to 2 free per monthly cycle |
| Cross-Border Debit13,14 |
Included |
Alternate Accounts23
(available, if selected, with waived fees)
|
| Additional accounts available if selected (in name of primary account holder and/or spouse) |
Two Canadian dollar accounts plus one U.S. Personal account |
| Free debits per monthly cycle |
Unlimited |
| Interac and PLUS System ATM network access fees3 |
Waived fee on Canadian dollar accounts; not available on U.S. account |
| Premium Visa cards
|
| RBC Royal Bank Premium Visa card15 |
Choice of one of the following cards with annual fees and co-applicant fees waived:
Visa Gold Preferred, Visa Platinum Preferred, U.S. Dollar Visa Gold, Visa Platinum Avion, British Airways Visa Platinum, Cathay Pacific Visa Platinum, Visa Infinite Avion |
| Recordkeeping Options
|
| eStatement including cheque images viewed online (Images less than 90 days) |
Free |
| Monthly Paper Statement (consolidated/combined20) |
Free |
| Cheque Images returned with paper statement |
Free |
| Bankbook |
Not available |
| Other Services Provided
|
| Access to Online and Telephone Banking4 |
Free |
| Exclusive Travel Benefits |
Included |
| American Express† Travellers Cheques |
Commission-free single and dual signature |
| Money orders and drafts6 |
Up to 12 commission-free per calendar year |
| Safe Deposit Box/Safekeeping7 |
Annual discount - Maximum $40.00 |
| Recurring funds transfers |
Included |
| Certificate of Loan Balance / Interest paid (for tax purposes) |
Waived Fee |
| RBC Direct Investing Self-Directed RRSP annual administration fee |
Waived Fee |
| Appraisal for conventional mortgages on your primary residential home (existing properties only) |
Waived Fee |
| Priority Service - 24/7 |
Call 1-800-769-2511 and enter your gold client card number to experience shorter wait times and connect with our most knowledgeable specialists. |
If you're looking for the most convenient and comprehensive way to manage your day-to-day banking needs, look no further than RBC Royal Bank Online Banking. From financial calculators to a variety of convenient services including bill payments and fund transfers - you'll wonder how you ever lived without it. Even more, you'll enjoy free access with your banking account!
