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Type of Currency

Number of Monthly ATM/Cash Withdrawals1

Average Monthly Balance

Number of Accounts That Match Criteria

4

Account Details

High Interest

Enhanced Savings

Day to Day

U.S. Savings

RBC High Interest eSavings

RBC Enhanced Savings

RBC Day to Day Savings

RBC U.S. High Interest eSavings

Overview An online savings account offering high interest1 on every dollar Tiered interest1 rates begin at balances of $5,000 or more Tiered interest1 on every dollar saved High interest1 on every U.S. dollar saved
Currency Canadian Canadian Canadian U.S.
Interest Rate1 0.750% Tiered Tiered 0.150%
Monthly Debits Included2 1 1 1 1
Monthly Fee Free Free Free Free
Debits Exceeding Monthly Limits $5.00 each $2.00 each $2.00 each $3.00 each6
Free Transfers Electronic self-serve transfers to any RBC Royal Bank personal deposits account in your name
Interac e-Transfers $1.00 each $1.00 each $1.00 each Not Available
Interac Access Fee at a Non-RBC Royal Bank ATM in Canada7 $1.50 each $1.50 each $1.50 each Not Available
PLUS System Access Fee at a Non-RBC Royal Bank ATM Within Canada and U.S.7 $3.00 each $3.00 each $3.00 each Not Available
Plus System Access Fee at a Non-RBC Royal Bank ATM Outside Canada and U.S.7 $5.00 each $5.00 each $5.00 each Not Available
Cross-Border Debit2, 3, 4 $1.00 each $1.00 each $1.00 each Not Available
RBC International Money Transfer Not Available $13.50 $13.50 Not Available
Online & Mobile Banking 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 / Combined5) Not Available Free Free Not Available
Cheque Images Returned With Paper Statement Not Available $2.00 per monthly cycle $2.00 per monthly cycle Not Available
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Learn More about High Interest account Learn More about Enhanced Savings account Learn More about Day to Day account Learn More about U.S. Savings account

The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.
On operating account only.
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.
Eligible criteria must be met.
Exception: Cheques are not permitted.
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.

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