Service fee and account changes

Personal, business, credit card and personal financing accounts

On June 1, 2013

Important information about your RBC Royal Bank^® account(s)
At RBC Royal Bank we are committed to providing you with a wide range of products and services that offer flexibility, convenience, value and choice so you receive the best features and benefits to meet your needs. On June 1, 2013, we are making some changes to our account and service fees. If you have any questions about these changes — and which options best suit your needs — we’d be happy to discuss them.

Personal banking service fee and account changes

On August 1, 2012 our hold policy was changed from five (5) business days to four (4) business days after the day of deposit for cheques and other negotiable items in Canadian dollars deposited to a personal or business deposit account in person with an employee at one of our branches or points of service and drawn on a Canadian branch of a Canadian financial institution; for cheques and other negotiable items in Canadian dollars deposited in any other manner, such as at an Automated Teller Machine (ATM), our hold policy remains five (5) business days.

Business banking service fee and account changes

Home equity financing service fee changes

Credit card service fee changes

Note: Prices shown apply to both Canadian – and U.S. – dollar accounts, unless otherwise noted. U.S. fees are payable in U.S. currency. Service fee changes are also applicable to personal accounts offered by Royal Trust Corporation of Canada, The Royal Trust Company and Royal Bank Mortgage Corporation. Taxes are extra where applicable.

Separate fee agreement
The fees set out in this brochure are our standard fees. Clients who have signed a separate agreement with the bank regarding non-standard pricing will not be affected by these changes during the term of such signed agreement.

^{® /} ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
^† On June 1, 2013.
^†† The RBC Business Essentials $6 Small Business Account is also known as the RBC Business Essentials Variable Pricing Account. Additional fees and charges will apply for services and transactions exceeding $6 per month.
^* Additional charges may be deducted from the payment amount by the receiving financial institution and/or its intermediaries.
^** In 2013, Royal Bank of Canada combined the previously separate outgoing wire payment fee and communication fee into one standard wire payment fee. Zone 1 and 2 countries include Mexico, Greenland, Iceland and other destinations in the Caribbean and Europe.