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Bundle up for great savings and less hassle

Let us introduce you to our money-saving, no-wasting-your-time cross-border banking bundles.

Shop away bundle

With a U.S. credit card and bank account, this cross-border banking bundle is perfect for savvy Canadian cross-border shoppers who:

  • Spend over $1,600 in the U.S. annually
  • Use their card to shop for and return items in U.S. dollars
  • Need easy, no-fee1 access to cash at U.S. ATMs

Are you an RBC Royal Bank client in Canada?

You’re in luck — now is a great time to switch to RBC!

Great! Here's what you’ll get with this Shop Away cross-border banking bundle:

Convenient, low-fee U.S. bank account

Direct Checking
  • 10 debits per month; $1 per additional debit2
  • Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
  • Open an account using your Canadian address

No annual fee4 U.S. Credit Card with Rewards

Visa Signature Black
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1 Avion point for every $1 spent5
  • Apply using your Canadian credit history

$0 for the first year3

Take 5 minutes and apply online for everything you need to bank in the U.S.!

Apply For This Bundle Now

Or

Apply At Your Branch

Pay no monthly fee for cross-border banking for a year14

Here’s what you’ll get with this Shop Away bundle:
(You’ll need a Canadian RBC account to enjoy cross-border banking)

Canadian bank account with low fees

RBC Day to Day Banking
  • 12 debits per month; $1.25 per additional debit11
  • FREE Interac e-Transfers in Canada12
  • Award-winning RBC Mobile app13

Convenient, low-fee U.S. bank account

Direct Checking
  • 10 debits per month; $1 per additional debit2
  • Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
  • Open an account using your Canadian address

No annual fee4 U.S. credit card with rewards

Visa Signature Black
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1 Avion point for every $1 spent5
  • Apply using your Canadian credit history

$0 for the first year14

Switch to RBC and get no monthly fee banking in Canada and the U.S. for 1 year!

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Stay and play bundle

With a U.S. credit card and bank account, this cross-border banking bundle is perfect for Canadian travellers and snowbirds who:

  • Stay in the U.S. at least one month of the year
  • Need easy, no-fee1 access to cash at U.S. ATMs
  • Pay bills in U.S. dollars and want to earn a great rate on their U.S. dollars

Are you an RBC Royal Bank client in Canada?

You’re in luck — now is a great time to switch to RBC!

Great! Here's what you’ll get with this Stay and Play cross-border banking bundle:

Convenient, low-fee U.S. bank account

Direct Checking
  • 10 debits per month; $1 per additional debit2
  • Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
  • Open an account using your Canadian address

Premium U.S. bank account with unlimited transactions

Premium Checking
  • Unlimited transactions
  • Preferred foreign exchange rates
  • Open an account using your Canadian address

No annual fee4 U.S. credit card with rewards

Visa Signature Black
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1 Avion point for every $1 spent5
  • Apply using your Canadian credit history

U.S. credit card with accelerated rewards

Visa Signature Black Plus
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1.5 Avion points per $1 spent5
  • Apply using your Canadian credit history

A great rate on your U.S. dollars

U.S. Preferred Money Market Savings10
  • Earn our best interest rates on your U.S. dollars
  • Save for an extended trip or a down payment on a vacation home

$0 for the first year3

Take 5 minutes and apply online for everything you need to bank in the U.S.!

Apply For This Bundle Now

Or

Apply At Your Branch

$99.50 USD annually

Take 5 minutes and apply online for everything you need to bank in the U.S.!

Apply For This Bundle Now

Or

Apply at Your Branch

$174.50 USD annually

Take 5 minutes and apply online for everything you need to bank in the U.S.!

Apply For This Bundle Now

Or

Apply At Your Branch

$114.50 USD annually

Take 5 minutes and apply online for everything you need to bank in the U.S.!

Apply For This Bundle Now

Or

Apply At Your Branch

Pay no monthly fee for cross-border banking for a year14

Here’s what you’ll get with this Stay and Play bundle:
(You’ll need a Canadian RBC account to enjoy cross-border banking)

Canadian bank account with low fees

RBC Day to Day Banking
  • 12 debits per month; $1.25 each thereafter11
  • FREE Interac e-Transfers in Canada12
  • Award-winning RBC Mobile app13

Convenient, low-fee U.S. bank account

Direct Checking
  • 10 debits per month; $1 per additional debit2
  • Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
  • Open an account using your Canadian address

Premium U.S. bank account with unlimited transactions

Premium Checking
  • Unlimited transactions
  • Preferred foreign exchange rates
  • Open an account using your Canadian address

No annual fee4 U.S. credit card with rewards

Visa Signature Black
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1 Avion point for every $1 spent5
  • Apply using your Canadian credit history

U.S. credit card with accelerated rewards

Visa Signature Black Plus
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1.5 Avion points per $1 spent5
  • Apply using your Canadian credit history

A great rate on your U.S. dollars

U.S. Preferred Money Market Savings10
  • Earn our best interest rates on your U.S. dollars
  • Save for an extended trip or a down payment on a vacation home

$0 for the first year13

Switch to RBC and get no monthly fee banking in Canada and the U.S. for 1 year! Go to any RBC branch in Canada to get everything you need to bank in the U.S.!

Visit A Branch To Sign Up

$48 CAD + $99.95 USD for the first year

Go to any RBC branch in Canada to get everything you need to bank in the U.S.!

Visit a Branch to Sign Up

$48 CAD + $174.95 USD for the first year

Go to any RBC branch in Canada to get everything you need to bank in the U.S.!

Visit a Branch to Sign Up

$48 CAD + $114.50 USD for the first year

Go to any RBC branch in Canada to get everything you need to bank in the U.S.!

Visit a Branch to Sign Up

Move and stay bundle

With the option to add a U.S. mortgage when you’re ready, this bundle is perfect for Canadian snowbirds or expats in the U.S. who:

  • Spend three or more months a year in the U.S.
  • Pay bills in U.S. dollars and want our best foreign exchange rates
  • Need no-fee1 access to cash at U.S. ATMs and make multiple debit transactions while in the U.S.

Are you an RBC Royal Bank client in Canada?

You’re in luck — now is a great time to switch to RBC!

Great! Here's what you’ll get with this Move and Stay cross-border banking bundle:

Premium U.S. bank account with unlimited transactions

Premium Checking
  • Unlimited transactions
  • Preferred foreign exchange rates
  • Open an account using your Canadian address

No annual fee4 U.S. credit card with rewards

Visa Signature Black
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1 Avion point for every $1 spent5
  • Apply using your Canadian credit history

U.S. credit card with accelerated rewards

Visa Signature Black Plus
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1.5 Avion points per $1 spent5
  • Apply using your Canadian credit history

A great rate on your U.S. dollars

U.S. Preferred Money Market Savings10
  • Earn our best interest rates on your U.S. dollars
  • Save for an extended trip or a down payment on a vacation home

$99.50 USD annually

Take 5 minutes and apply online for everything you need to bank in the U.S.!

Apply For This Bundle Now

Or

Apply At Your Branch

$174.50 USD annually

Take 5 minutes and apply online for everything you need to bank in the U.S.!

Apply For This Bundle Now

Or

Apply At Your Branch

Here’s what you’ll get with this Move and Stay bundle:
(You’ll need a Canadian RBC account to enjoy cross-border banking)

Canadian bank account with low fees

RBC Day to Day Banking
  • 12 debits per month; $1.25 each thereafter11
  • FREE Interac e-Transfers in Canada12
  • Award-winning RBC Mobile app13

Premium U.S. bank account with unlimited transactions

Premium Checking
  • Unlimited transactions
  • Preferred foreign exchange rates
  • Open an account using your Canadian address

No annual fee4 U.S. credit card with rewards

Visa Signature Black
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1 Avion point for every $1 spent5
  • Apply using your Canadian credit history

U.S. credit card6 with accelerated rewards

Visa Signature Black Plus
  • Make transactions in U.S. dollars and save on foreign transaction fees
  • Earn 1.5 Avion points per $1 spent7
  • Apply using your Canadian credit history

A great rate on your U.S. dollars

U.S. Preferred Money Market Savings10
  • Earn our best interest rates on your U.S. dollars
  • Save for an extended trip or a down payment on a vacation home

$48 CAD + $99.50 USD annually

Go to any RBC branch in Canada to get everything you need to bank in the U.S.!

Visit A Branch To Sign Up

$48 CAD + $174.95 USD for the first year

Go to any RBC branch in Canada to get everything you need to bank in the U.S.!

Visit A Branch To Sign Up

Ways RBC Cross-Border Banking will impress you

Sign in to online or mobile banking once to see all of your RBC accounts, including your U.S. bank account and credit card.

Move up to $25,000 — instantly and for free7 — between your RBC Canadian and U.S. bank accounts.

Use your U.S. debit card to get cash at over 50,000 no-fee1 ATMs across the U.S., including at Walgreens, CVS and Target.

Find a No-Fee U.S. ATM

If a U.S. credit card and bank account isn’t enough, enjoy perks and discounts from hotels, resorts and retailers across Canada and the U.S.

With one of our U.S. credit cards4 in your wallet, you’ll save money on your U.S. purchases.

There’s no other U.S. bank account for Canadians that lets you bank and borrow in all 50 states.

Apply for a U.S. credit card, loan or mortgage with us8 — we’ll use your credit history from back home!

Buying property south of the border?8

Get pre-approved to buy in all 50 states using your Canadian credit history — just one way we make buying in the U.S. simple and painless.

  • Choose a 3- ,5-, 7- or 10-year term with a 30-year amortization15
  • Reduce the upfront impact of foreign exchange costs with just a 20% down payment plus closing costs
  • Enjoy the convenience of no pre-payment restrictions. Make penalty free, lump sum payments any time

Special offer: Save up to $4,500 USD in closing costs9 on a U.S. mortgage. Apply by October 31, 2024.

We’re with you each step of the way
See how we’re helping Canadians buy in the U.S.

We built RBC U.S. HomePlusTM Advantage exclusively for Canadians to provide full-service support through every step of the U.S. home buying process.

As a Canadian buying a home in the U.S., you have some unique needs and probably lots of questions. Take the guesswork out of the equation and let us be your guide.