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Bank Accounts and Packages

Banking Accounts

 

RBC VIP Banking®

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.

At a Glance
Monthly Fee $30.00
Monthly fee** after MultiProduct Rebate $22.50
Free monthly debits Unlimited

Streamline your banking with RBC VIP Banking - our most comprehensive banking package.



Open an Account

** 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.

Features and Fees

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.
Compare

American Express Travellers Cheques : Commission-free, Safer than cash : Learn More

Free Access to Online Banking4

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!

It's Easy to Open an Account


Open an account online with our simplified application, or talk to a specialist about choosing the right account for you.
Open an account
online
Talk to a Mortgage Specialist Visit your
local branch
Call now Call now -
1 800 769-2511
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U.S. Personal

Take Action
  Open a Bank Account Online
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Tools
  Account Selector
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Related Links
  Business Banking
  Online Banking
  Loans & Lines of Credit

Learn More
  Understanding Pre-Authorized Debit
  Hold Policy - Client Reference Guide
  New Standards for Canadian Cheques
  Canada Deposit Insurance Corporation
  CustomSwitch

 

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