Unlimited debits and valuable features for a low fee

Monthly Feelegal bug 1: $11.95 (or less with rebate)legal bug 2

Open Bank Account Online

Features At-a-Glance

No minimum balance. Ever.

Tap, click and swipe without extra fees

Unlimited debit transactions in Canada

No minimum balance. Ever.

Take cash out when you need it

No RBC fee to use another bank’s ATM in Canadalegal bug 3, legal bug 4

FREE Interaclegal bug e-Transfer transactionslegal bug 5, legal bug 6

No minimum balance (even to get rebates)

$5.95 or $0 monthly fee with Value Program Rebatelegal bug 7

$0 monthly feelegal bug 8 for full-time studentslegal bug 9

$0 monthly fee for one year for newcomerslegal bug 10

$7.95 monthly fee for seniorslegal bug 11 — or less with Value Program Rebatelegal bug 7

No minimum balance. Ever.

Tap, click and swipe without extra fees

Unlimited debit transactions in Canada

No minimum balance. Ever.

Take cash out when you need it

No RBC fee to use another bank’s ATM in Canadalegal bug 3, legal bug 4

FREE Interaclegal bug e-Transfer transactionslegal bug 5, legal bug 6

No minimum balance (even to get rebates)

$5.95 or $0 monthly fee with Value Program Rebatelegal bug 7

$0 monthly feelegal bug 8 for full-time studentslegal bug 9

$0 monthly fee for one year for newcomerslegal bug 10

$7.95 monthly fee for seniorslegal bug 11 — or less with Value Program Rebatelegal bug 7

Other Features Included in this Account

RBC Rewards Pointslegal bug 12 Enrol your account in the Value Program to get a minimum of 1 RBC Rewards point for every $10 you spend in-store and online using your enrolled account.
Online, Mobile and Telephone Banking FREE
eStatements or Monthly Paper Statements FREE
Non-Sufficient Funds (NSF) Fee 1 NSF fee rebated every calendar year legal bug 15
Personalized Cheques 1 book of 50 cheques FREE, afterwards fees applylegal bug 16
Right Account Guarantee® If you’re not completely satisfied within the first 4 months, we’ll refund your monthly fees for up to 3 months.legal bug 13

Optional Services

Using a PLUS System ATM in Canada or the U.S.legal bug 3, legal bug 4 $3 each
Using a PLUS System ATM Outside Canada or the U.S.legal bug 3, legal bug 4 $5 each
Cross-Border Debitslegal bug 17 $1 each
Overdraft Protectionlegal bug 18 $5/month, plus overdraft interest (if used)
Safe Deposit Box Open in new windowRegular fees apply
Bank Drafts $8.50 each

For details about other services, see additional account services.

See moreSee less
Introducing RBC Vantage

Unlock More from Your Everyday Banking.

With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. Only at RBC.

>Get rewarded for the things you do every day

Get rewarded for the things you do every day

Now earn RBC Rewards points with your account.legal bug 12

 
  Get rewarded for the things you do every day

Get rewarded for the things you do every day

You can now earn RBC Rewards points when you enrol an eligible account in the Value Program and use your account to make debit purchases in-store or online.legal bug 13

Combine points with those earned with your RBC Rewards credit card and redeem them for gift cards, travel and much more!

Earning Rewards

Save on monthly fees—no minimum balance needed

Save on monthly fees—no minimum balance needed

Pay as low as $0/month when you use your account and have other products.legal bug 7

 
 

See How Much You Could Save and Earn

See How Much You Could Save and Earn

Save on your account’s monthly fees and earn RBC Rewards points faster when you enrol in the Value Program and have other RBC products.

Select account

1 RBC Rewards point per

$0

spent on debit

Monthly Fee

$0

after $0 rebate*

Choose the product categories you’re interested in or already have:

Open this Bank Account

*For each enrolled account, you must also complete at least 2 out of 3 regular account activities (pre-authorized payment, direct deposit or bill payment) each month to receive the monthly fee rebate.

Save cash on gas

Save cash on gas

Save 3¢/L on gas at Petro-Canada using your linked RBC card.legal bug 14

 
  Save cash on gas

Save cash on gas

Link your eligible RBC debit card or credit card to your Petro-Points card to save 3¢/L on gaslegal bug 14 and earn 20% more Petro-Pointslegal bug 19 at Petro-Canada locations.

Saving on Gas

Get personalized insights with NOMI

Get personalized insights with NOMI

See where you're spending money—and more.

 
  Get personalized insights with NOMI

Get personalized insights with NOMI

Want to know what you spent on groceries last month or if a payment might be due? NOMI Insights can tell you this and more. It can even let you know if an unusual transaction was made on your account. Only available in the RBC Mobilelegal bug 20 app.

Explore NOMI

Explore RBC Vantage

Support & Resources

How can we help you today?

Your Top Questions Answered

Your Top Questions Answered



Book a virtual appointment with an advisor: 1-800-769-2561 (Open 24/7)



Your privacy matters to us

Protecting your privacy and safeguarding your personal information is a cornerstone of our organizational ethics and values and will always be one of our highest priorities.

RBC Digital Banking Security Guarantee

With the RBC Digital Banking Security Guarantee, you’re fully protected against any transactions you didn’t make or approve.

Right Account Guarantee

That’s the Right Account Guarantee™. If you open or upgrade to an eligible* RBC banking account and you’re not completely satisfied with it, we will refund your monthly fees for up to 3 months.

Digital Channel Privacy

What information does RBC collect and how is it used? Does RBC share my information?