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Legal Bug 1)
Eligible accounts for the Right Account Guarantee are: RBC VIP Banking, RBC Signature No Limit Banking, RBC No Limit Banking, RBC No Limit Banking for Students and RBC Day to Day Banking. This offer is limited to the monthly fee that applies to the new or upgraded account for the first 3 months the account remains open. You must close the new or upgraded account or switch to another account and apply for the refund within 4 months of account opening or upgrade. If you close the account, we’ll refund the monthly fees for the time the account remained open up to a maximum of 3 months. If you downgrade to a lower fee account, we’ll refund the difference in monthly fees between the two accounts for the time the higher fee account remained open up to a maximum of 3 months. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
Legal Bug 2)
RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U.S. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded.
Legal Bug 3)
On operating account only.
Legal Bug 4)
Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
Legal Bug 5)
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Visa Infinite Avion, RBC Visa Platinum Avion, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.
Legal Bug 6)
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
Legal Bug 7)
This offer is available to permanent Canadian residents without an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking affiliates at the beginning of October 2, 2018, and otherwise comply with the terms of the offer. The Eligible Personal Banking Accounts are RBC No Limit Banking and RBC No Limit Banking for Students. Account must be opened in branch or via the advice centre. Monthly fee will be waived for the first twelve (12) months upon account opening. Monthly fee is $10.95. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC No Limit Banking Account or the RBC No Limit Banking for Students Account. To qualify for the RBC No Limit Banking Account offer you must be of the age of majority in the province or territory in which you reside on or before the start of the Promotional Period (October 2, 2018) This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit www.rbc.com/offerterms
Legal Bug 8)
Debit Transactions in the Day to Day Banking and U.S. Personal Accounts: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account or U.S. Personal Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
Legal Bug 9)
If you have an eligible banking account and two or more qualifying, eligible RBC products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Some conditions apply. For more information on the MultiProduct Rebate visit any RBC Royal Bank branch, call 1-800-769-2511
or view the full Disclosures and Agreements Booklet.
Legal Bug 10)
Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.
Legal Bug 11)
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.