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Key Chequing Account Features
- Use Your Account as Often as You Need
Unlimited debits in Canada
- Pay Your Friend Back with Interac e-Transfer
Unlimited
- Save on Fees
Save on your monthly fees with our MultiProduct Rebatelegal bug 4
- Instant Fuel Savings at Petro-Canada
Link your card and instantly save 3¢/L on fuellegal bug 11 and always earn 20% more Petro-Pointslegal bug 12 at Petro-Canada locations
Learn More about Instant Fuel Savings at Petro-Canada
More Great Features
| Details | Fees |
|---|---|
| Monthly Fee after Multi Product Rebatelegal bug 2 | $5.95/month or $0/month |
| Monthly Fee after Seniors Rebatelegal bug 3 | $6.95/month |
| Overdraft Protection Monthly Feelegal bug 4 | $5.00 per month plus applicable Overdraft Interest |
| Interac Access Fee at a Non-RBC Royal Bank ATM in Canadalegal bug 1 | $2.00 each |
| Credit Card Included | N/A |
| Bank Drafts | $8.50 each |
| Assisted and Self-Serve Transactions | Included |
| Cross-Border Debitlegal bug 5, legal bug 6, legal bug 7 | $1.00 each |
| Personalized Cheques | Fees apply |
| Safe Deposit Box | Fees apply |
| PLUS System Access Fee at a Non-RBC Royal Bank ATM Within Canada and U.S.legal bug 8 | $3.00 each |
| PLUS System Access Fee at a Non-RBC Royal Bank ATM Outside Canada and U.S.legal bug 9 | $5.00 each |
| Access to cash savings with RBC Offers | Included |
| Interest Rate | See Personal Accounts Interest Rates |
| No Minimum Balance—Ever | |
Ways to Bank
Manage Your Account Online, Anytime
Check your balances, pay bills, set up alerts, send money and more – whenever you need to.
Bank Anywhere
Take care of your banking from wherever you are, anytime you want.
Take It All to a New Level
Make payments with a tap of your smartphone and securely store your cards on your device.
Ways to Apply
Apply Online
Call 1-800-769-2561 (Lines Open 24/7)- Call 1-800-769-2561 (Lines Open 24/7)
Visit Us
Book an Appointment
ChatI Want to Switch
No problem. We can help you quickly transfer existing funds, payroll and automatic withdrawals into a new account with us.
What If I'm Not Sure?
We're confident you're going to love your new RBC bank account, so we want you to try it out for 3 months. If the fits not perfect, we'll find a better match and refund the monthly fees.1
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?
I'm Already a Customer
To order new cheques:
- Sign in to Online Banking and click Account Services from the My Services box on the right side of the page.
- Click Order New Cheques from the navigation menu on the left.
- Follow the on-screen instructions.
The price of cheques depends on the quantity and style you order.
There are a couple of options for transferring money internationally. Our online RBC International Money Transfer service is a convenient way to send up to $10,000 CAD per day to over 200 countries worldwide, including the U.S. For larger amounts, a wire transfer is a good option.
Learn more about RBC International Money Transfer
Currently, you can only manage your alerts in Online Banking.
Visit your Alert Centre to set up your preferences:
- Sign in and follow the Alerts link at the top of your Accounts Summary page.
- In the Alert Centre, look for the link to your Alert Settings in left-side navigation.
First, set up your Alert Preferences.
Tell us where you’d like to receive your e-mail and text message (SMS) alerts.
Next, choose the accounts or programs you want us to tell you about.
- For an item without any current alerts, select “Add Alerts”.
- For an item with alerts you’d like to change, select “Edit”.
Now, tell us when you’d like to hear from us.
- You can set some alerts to tell you when an account has a transaction over an amount you specify.
- For others, you can decide when to hear about specific events in your accounts or programs, like the due date for a credit card payment.
- And for some, you can tell us when to send you regular updates.
Finally, choose how you’d like to receive your alerts:
- by e-mail
- in a text message on your mobile device (SMS)
We’ll always send a copy to your Alert Inbox in Online Banking. And if you’ve downloaded the RBC Mobile banking app and allowed it to send push notifications, you’ll also see your alerts on your mobile device.
Go to our Exchange Currency Converter to get the latest foreign exchange rates.
With Interac e-Transfers you can send funds to clients of other financial institutions as well as RBC, and you don't need to know the account number of the person you're sending money to. All you need is their email address or mobile phone number.
You can send an Interac e-Transfer from Online Banking, or Mobile Banking. Here's how:
To send an Interac e-Transfer from Online Banking:
- From the Accounts Summary page, select "More Payment Options" on the right side of the page.
- Enter the payment amount of the transfer.
- Select the account you want the funds to be debited from.
- Open the “To” drop down list, select the Interac e-Transfer payee and Submit.
To send an Interac e-Transfer from Mobile Banking:
Select the Interac e-Transfers icon from the main page.
- Choose the account you would like to pay from.
- Select the recipient you wish to send funds to. If sending to a new recipient, select the + sign in the bottom left hand corner of the page.
- Follow the steps
Direct deposit can be arranged with your employer or the issuer of a payment. You will need to provide the issuer with the necessary information regarding your account, such as a voided cheque.
To print a void cheque:
- Sign in to Online Banking and click Account Services from the My Services box on the right side of the page.
- Click View and Print Void Cheque from the navigation menu on the left.
- Select an account.
- Agree to the terms and click View and Print.
Better Banking Gives You More
RBC High Interest eSavings
Grow your savings with a no monthly fee high-interest savings account.
Save on Fees
Save on your monthly fees with our MultiProduct Rebate
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.