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Get a Chequing Account Recommendation
| Account Details |
All Inclusive |
Most Popular |
Unlimited Debits |
The Basics |
|---|---|---|---|---|
| Unlimited Debits | Get $30016 | Get $30016 | Get $10016 | 12 Free/month2; $1.00 each thereafter |
| Interac Access Fee at Non-RBC Royal Bank ATMs | Unlimited3 | 3 refunded / month, $1.50 each thereafter3 | Regular Fees | Regular Fees |
| Send Money Using Interac e-Transfer | Unlimited | Unlimited | Unlimited | Unlimited |
| Credit Card Included |  1 |
1 |
— | — |
| Overdraft Protection4 | |
|
$5.00 per month | $5.00 per month |
| Additional Accounts14 (With Waived Transaction Fees) | Includes unlimited debits on up to 2 CDN accounts and 1 U.S. account | — | — | — |
| No Minimum Balance | |
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| Monthly Fee | $30.00 | $14.95 | $10.95 | $4.00 |
| Monthly Fee after MultiProduct Rebate5 | $19.95 | $8.95 | $5.95 or $0 | Free |
| Monthly Fee after Senior's Rebate15 | $22.50 | $10.95 | $6.95 | Free |
| Transactions | ||||
| Debits Exceeding Monthly Limits | Not applicable | Not applicable | Not applicable | $1.00 each |
| Assisted Transactions | Included | Included | Included | N/A |
| Self-Serve Transactions | Unlimited | Unlimited | Unlimited | N/A |
| Interac Access Fee at Non-RBC Royal Bank ATM in Canada | Free, with an RBC VIP Client Card | 3 refunded/monthly cycle, $1.50 each thereafter | $1.50 each | $1.50 each, plus applicable Debit Transaction fee |
| PLUS System Access Fee at a Non-RBC Royal Bank ATM Within Canada and U.S.7 | Free, with an RBC VIP Client Card | $3.00 each | $3.00 each | $3.00 each, plus applicable Debit Transaction fee |
| PLUS System Access Fee at a Non-RBC Royal Bank ATM Outside Canada and U.S.8 | Free, with an RBC VIP Client Card | $5.00 each | $5.00 each | $5.00 each, plus applicable Debit Transaction fee |
| RBC ATM Full/Mini Statement | Free | $0.75 each/$1.50 each | $0.75 each/$1.50 each | $0.75 each/$1.50 each |
| Cross Border Debit9, 10, 11 | Free | 5 Free/month, $1.00 each thereafter | $1.00 each | $1.00 each, plus applicable Debit Transaction fee |
| Accessing Your Account | ||||
| Online & Mobile Banking12 | Free | Free | Free | Free |
| Telephone Banking | Free | Free | Free | Free |
| eStatement and eNotifications including Cheque Images Viewed Online Less Than 90 Days Old | Free | Free | Free | Free |
| Monthly Paper Statement (Consolidated / Combined) | Free | Free | Free | Free |
| Cheque Images Returned With Paper Statement13 | Free | Free | $2.50 per monthly cycle | $2.50 per monthly cycle |
| Other Things You Can Use | ||||
| Personalized Cheques10 | Free | Free, RBC Standard style only | Fees apply | Fees apply |
| Self-Serve Stop Payments10 | Included | $12.50 each | $12.50 each | $12.50 each |
| Bank Drafts12 | 12 FREE/year, $8.50 each thereafter | 6 FREE/year, $8.50 each thereafter | $8.50 each | $8.50 each, plus applicable Debit Transaction fee |
| Safe Deposit Boxes | Annual discount - maximum $60.00 | Annual discount - maximum $12.00 | Regular fees apply | Regular fees apply |
| Sign Me Up for RBC VIP Banking | Sign Me Up for RBC Signature No Limit Banking | Sign Me Up for RBC No Limit Banking | Sign Me Up for RBC Day to Day Banking | |
| Learn More about VIP Banking | Learn More about Signature No Limit Banking | Learn More about No Limit Banking | Learn More about Day to Day Banking |
Legal Bug 1)
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.
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) 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 (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, 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. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) 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 (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, 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. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
Legal Bug 2)
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 3)
ATM - RBC ATM Access fees waived
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold.
ATM use outside Canada
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold.
ATM use outside Canada
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
Legal Bug 4)
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.
Legal Bug 5)
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 6)
For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.
Legal Bug 7)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold.
Legal Bug 8)
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
Legal Bug 9)
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 10)
On operating account only.
Legal Bug 11)
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 12)
Transaction fees may apply for bill payments or funds transfers made through Online Banking and are separate from access fees.
Legal Bug 13)
Fee waived when Senior's rebate applied.
Legal Bug 14)
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 15)
For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.
Legal Bug 16)
This offer is available to Eligible Personal Clients without a Personal Banking Account with Royal Bank at the beginning of the Promotional Period, and otherwise comply with the Terms of the offer. The Bonus Offer is $300 with an RBC VIP Banking® (monthly fee of $30) or RBC Signature No Limit Banking® account (monthly fee of $14.95, increase to $15.95 effective June 1, 2019); or $100 with an RBC No Limit Banking® account (monthly fee of $10.95). You must open your first new Eligible Personal Banking Account by 9:00 PM EST on April 1, 2019 and complete one of the following Qualifying Criteria by 9:00 PM EST on June 28, 2019: set up and complete two pre-authorized payments from the Eligible Personal Banking Account; or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. To qualify 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 and a permanent resident of Canada. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria. 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/switchaccounts.