Open a cross-border banking account with RBC Bank™ and enjoy FREE and instant transfers between your RBC Bank U.S. and RBC Royal Bank Canadian accounts1 using online banking. It's just one of the many ways we can help Canadians save time south of the border!
Benefits of Cross-Border Banking with RBC Bank
Transfer Money and Pay U.S. Bills Online
We provide you with convenient and secure ways to manage all of your banking needs.
- Single sign-in to RBC Bank Online Banking for access to both your Canadian and U.S. based accounts, with the option to easily toggle between them in one convenient location.
- Instantly transfer money online between your RBC Royal Bank® (Canadian) and your RBC Bank (U.S.) accounts for free1.
- Pay your U.S. bills (such as rental or utility payments) at no additional cost.
- Deposit U.S. cheques directly into your RBC Bank (U.S.) account from just about anywhere8 using Remote Deposit.
We provide you with convenient and secure ways to manage all of your banking needs.
- Single sign-in to RBC Bank Online Banking for access to both your Canadian and U.S.-based accounts, with the option to easily toggle between them in one convenient location.
- Instantly transfer money online between your RBC Royal Bank (Canadian) and your RBC Bank (U.S.) accounts for free.
- Pay your U.S. bills (such as rental or utility payments) at no additional cost.
- Deposit U.S. cheques directly into your RBC Bank (U.S.) account from just about anywhere2.
U.S.-Based Credit and Debit Cards
Making purchases in the U.S. (such as gas or groceries) using your Canadian debit or credit card can sometimes be a hassle and costly. Our cross-border solutions provide you with the option to:
- Save an average of $300 per year on foreign exchange and wire transfer fees2 when you shop at various U.S. retailers, in-store or online, using your U.S. debit or credit card3.
- Access your money anywhere in the U.S. at thousands of no-fee4 ATMs, or get cash back at many retailers.
- Earn RBC Rewards® points for every dollar you spend, and double points for the first 90 days5, when you use your U.S. credit card.
- Easily transfer RBC Rewards points earned with your U.S. credit card to your Canadian RBC Rewards account6.
Making purchases in the U.S. (such as gas or groceries) using your Canadian debit or credit card can sometimes be a hassle and costly. Our cross-border solutions provide you with the option to:
- Save an average of $300 on foreign exchange and wire transfer fees when you shop at various U.S. retailers, in-store or online, using your U.S. debit or credit card3.
- Access your money anywhere in the U.S. with our network of no-fee4 ATMs, or get cash back at many retailers.
- Earn RBC Rewards® points for every dollar you spend, and double points for the first 90 days5, when you use your U.S. credit card.
- Easily transfer RBC Rewards points earned with your U.S. credit card to your Canadian RBC Rewards account6.
Buying a Home or Securing Financing in the U.S.
We know that buying property in the U.S. is often a challenge for Canadians. RBC Bank has dedicated cross-border mortgage specialists who can help you secure financing in the U.S. so you can get that perfect vacation home or investment property.
Our mortgage specialists understand the differences between the Canadian and U.S. processes, and will:
- Use your Canadian credit history and your history with RBC Royal Bank, when evaluating your U.S. mortgage application7.
- Provide you with guidance through every step of the application process.
Plus, RBC Bank doesn’t charge a foreign national premium on your U.S. mortgage, unlike many U.S. lenders. When it comes to getting a U.S. mortgage, you are in good hands with RBC Bank—the only national mortgage provider in the U.S. dedicated to helping Canadians purchase property in all 50 states.
Learn more
We know that buying property in the U.S. is often a challenge for Canadians. RBC Bank has dedicated cross-border mortgage specialists who can help you secure financing in the U.S. so you can get that perfect vacation home or investment property.
Our mortgage specialists understand the differences between the Canadian and U.S. practices, and will:
- Use your Canadian credit history and your history with RBC Royal Bank, when evaluating your U.S. mortgage application7.
- Provide you with guidance through every step of the application process.
Plus, RBC Bank doesn’t charge a foreign national premium on your U.S. mortgage, unlike many U.S. lenders. When it comes to getting a U.S. mortgage, you are in good hands with RBC Bank - the only national mortgage provider dedicated to helping Canadians purchase property in all 50 states.
Learn more
Talk to a cross-border specialist today!
Whether you live, work, vacation or study in the U.S., enjoy the savings and convenience of cross-border banking from RBC Bank.
- Visit Your Local Branch (Within Canada)
- Call 1-855-723-9412 (Within U.S.)
