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Reasons Canadians heart Our U.S. Banking Bundle

  • Free, unlimited transfers and instant exchange3 between your Canadian and U.S. RBC bank accounts.
  • Free access4 to over 50,000 ATMs nationwide.
  • Make U.S. purchases in U.S. dollars with no foreign transaction fees. You can save up to $25 for every $1,000 you spend (compared to using a typical Canadian credit card)5.
  • We use your Canadian credit history and address to help you qualify.

Key Features

Direct Checking
U.S. Bank Account

Annual Fee:
$0 with eStatements2

Close $0 introductory annual maintenance fee for 1 year with an eligible credit card. After the introductory period, an annual fee of $39.50 USD with eStatements or $59.50 USD with paper statements will apply. Transaction limits apply.
  • Free and unlimited online CAD <> USD exchange and transfers between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts – 24/7 with no delay3.
  • Use your RBC Visa Debit card to get cash at over 50,000 ATMs nationwide.
  • Pay your U.S. credit cards and other bills online, from Canada or the U.S.

Visa Signature Black
U.S. Credit Card

Visa Signature Black U.S. Credit Card

Annual Fee: $01    
Additional Card: $0
Purchase Rate: Low Introductory APR

Close 0% introductory APR for 6 months. After the introductory period, a variable interest rate of between 9.99% and 19.99% will apply. This APR will vary with the market based on the prime rate8.
  • Earn 1 RBC Rewards point for every $1 you spend9.
  • Redeem for travel, gift cards, merchandise or 1.00% cash back10.
  • Travel with your choice of any airline, any flight, any time when you redeem. No blackout periods or seat restrictions.
  • Enjoy built-in insurance coverage that protects your travels, purchases and more when you use your card to pay11. More insurance details

Apply Online in Just 5 Minutes

Simplify your cross-border lifestyle today with easy U.S. banking.

  • Open a Direct Checking U.S. Bank account and apply for an RBC Visa Signature Black U.S. credit card today and enjoy no annual fee cross-border banking for 1 year on approval2.
  • Offer ends October 31st, 2020.
Quick, Easy & Secure Online Application

Get This U.S. Bundle

Quick, Easy & Secure Online Application

RBC Bank, Equal Housing Lender Equal Housing Lender Member FDIC.

RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”).

Offer period is November 1st, 2019 through October 31st, 2020 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary accountholder on any RBC Bank U.S. checking account for the 18 months prior to the start of the offer period. To qualify, client must open a new RBC Bank Direct Checking account and be approved for an RBC Bank credit card before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. Direct Checking account must be enrolled in eStatements, account must be funded according to the Personal Schedule of Fees and the credit card opened by November 6th, 2020. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year. All other checking account fees apply. If a client applies for a RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.
No foreign transaction fees or transfer fees will be charged. Foreign exchange rates apply when converting currencies. Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your account transaction history until the following day but will reflect the date of transfer.
There is no fee associated with accessing these ATMs but standard account charges apply.
Based on an average spend of $10,000 per year in the U.S. on a Canadian credit or debit card with a foreign transaction fee of 2.5%, plus two (2) wire transfers per year at a cost of $30/transfer.
Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.
Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit
Prime Rate: As published in the Wall Street Journal; current rate is 3.25% as of April 1, 2020.
1.00% cash back from the Visa Signature Black/Platinum and 1.25% cash back from the Visa Signature Black Plus credit cards can only be redeemed with RBC Rewards points.
Refer to the RBC Rewards Program Rules and Conditions provided with your credit card for details. Rewards Points are not earned on balance transfers and cash advances. .
All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.