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Choose your case size, colour and band!legal bug *
Offer Ends June 3, 2024
Features At-a-Glance
Tap, click and swipe without extra fees
Unlimited debit transactions in Canada
Get a credit card for less
Up to $48 rebate on the annual fee of an eligible credit cardlegal bug 5
FREE Interaclegal bug ‡
e-Transfer
3 non-RBC ATM fees waived/month, $2 each thereafterlegal bug 8
5 cross-border debits/month, $1 each thereafterlegal bug 9
No minimum balance (even to get rebates)
$10.95 or $5 monthly fee with Value Program Rebatelegal bug 10, $12.95 monthly fee for seniorslegal bug 11— or less with Value Program Rebate
Overdraft Protection fee waivedlegal bug 15
Tap, click and swipe without extra fees
Unlimited debit transactions in Canada
Get a credit card for less
Up to $48 rebate on the annual fee of an eligible credit cardlegal bug 5
FREE Interac legal bug ‡ e-Transfer transactionslegal bug 6, legal bug 7
3 non-RBC ATM fees waived/month, $2 each thereafterlegal bug 8
5 cross-border debits/month, $1 each thereafterlegal bug 9
No minimum balance (even to get rebates)
$10.95 or $5 monthly fee with Value Program Rebatelegal bug 10, $12.95 monthly fee for seniorslegal bug 11— or less with Value Program Rebate
Overdraft Protection fee waivedlegal bug 15
Other Features Included in this Account
| Avion Pointslegal bug 12 | Enrol your account in the Value Program to get a minimum of 1 Avion point for every $10 you spend in-store and online using your enrolled account. |
| Online, Mobile and Telephone Banking | FREE |
| eStatements | FREE |
| Monthly Paper Statements | $2.25 without cheque image, $2.50 with cheque image |
| Safe Deposit Boxlegal bug 16 | Up to $12/year discount on regular fees |
| Non-Sufficient Funds (NSF) Fee | 1 NSF fee rebated every calendar yearlegal bug 26 |
| Personalized Chequeslegal bug 17 | 1 book of cheques FREE, afterwards Fees Apply |
| Bank Draftslegal bug 18 | 6 FREE/year, $9.95 each thereafter |
| 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 12 |
Optional Services
| Using a PLUS System ATM in Canada or the U.S.legal bug 19,legal bug 20 | $3 each |
| Using a PLUS System ATM Outside Canada or the U.S.legal bug 19,legal bug 20 | $5 each |
For details about other services, see additional account services.
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.
See all your cost savings and rewards—in one place.
Keep track of the benefits you get with an eligible RBC bank account using the Vantage Snapshot in the RBC Mobile app.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 13 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 23
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 24
Save money you didn’t even know you had.
Available in the RBC Mobile app, NOMI Find & Savelegal bug 24 learns your spending patterns to find your extra dollars and moves them to a savings account.
Get rewarded for the things you do every day
You can now earn Avion 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 11
Combine points with those earned with your Avion Rewards credit card and redeem them for gift cards, travel and much more!
Save on monthly fees—no minimum balance needed
Lower your fee by as much as $11.95 when you use your account and have other products.legal bug 9
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 Avion points faster when you enrol in the Value Program and have other RBC products.
1 Avion point per
spent on debit
Monthly Fee
after rebate*
Choose the product categories you’re interested in or already have:
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 13 and earn 20% more Petro-Pointslegal bug 21 at Petro-Canada locations.
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 22 app.
See all your cost savings and rewards—in one place.
Keep track of the benefits you get with an eligible RBC bank account using the Vantage Snapshot in the RBC Mobile app.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 13 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 23
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 24
Save money you didn’t even know you had.
Available in the RBC Mobile app, NOMI Find & Savelegal bug 24 learns your spending patterns to find your extra dollars and moves them to a savings account.
Support & Resources
How can we help you today?
Your Top Questions Answered
Your Top Questions Answered
RBC Signature No Limit Banking is a chequing account that gives you unlimited debits in Canada, valuable savings and other powerful benefits. Plus, there is no minimum balance needed to open an account.
A chequing account from RBC unlocks powerful benefits including rewards, savings, insights and more through RBC Vantage. With an RBC chequing account, you can make free Interac‡ e-Transfer transactionslegal bug 6,legal bug 7, save 3¢/L on gaslegal bug 14 at Petro-Canada and more. You can also earn Avion points on debitlegal bug 12 if you enrol your eligible RBC bank account in the Value Program, have other eligible RBC products and do simple activities like direct depositlegal bug 10.
Explore our chequing accounts.
You may be able to pay as low as $0 per month for RBC Day to Day Banking or RBC Advantage Banking if you enrol your account in the Value Program, you have other eligible RBC products and you do simple activities like direct depositlegal bug 10. In addition, there are several other ways you may be able to pay as low as $0 per month for a chequing account at RBC. For example:
- Eligible full-time studentslegal bug 27 pay $0 per month for RBC Advantage Banking for studentslegal bug 28
- Eligible seniorslegal bug 11 pay $0 per month for RBC Day to Day Banking
- Eligible newcomers to Canadalegal bug 29 pay $0 per month for RBC Advantage Banking for one year
- RDSP beneficiarieslegal bug 30 pay $0 per month for RBC Day to Day Banking
Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more.
There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank accountlegal bug 11 that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card.
Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.
Learn more about Avion Rewards.
No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebatelegal bug 9 and the Seniors Rebatelegal bug 10 on the same account in the same month. We automatically apply to your account the highest value rebate you are eligible for each month.
If you have multiple bank accounts, you could receive a different monthly fee rebate for each account, as long as you meet the eligibility requirements to receive each of the rebates.
No, RBC Vantage isn’t a bank account—it describes all of the powerful benefits you get with any eligible RBC bank account.
RBC Royal Bank offers a variety of personal banking credit cards including:
- Cash Back
- Rewards
- Travel
- Low Interest Rate
- Student
- No Annual Fee
- Prepaid
We also have Commercial Banking and Small Business credit cards. Learn more about Personal Banking RBC Credit Cards or RBC Business Credit Cards.
If you are opening a new account, you can enrol it in the Value Program at the same time you open the account. If you open an account online, simply enrol in the Value Program when you are invited to do so.
If you already have an eligible bank account, an RBC advisor can enrol your account in the Value Program for you. Please book an appointment Opens in new window, call 1-800-769-25111-800-769-2511 or visit a branch Opens in new window.
RBC Online and Mobile Banking maintain the highest security standards.
Every time you access your account, you’re protected with the latest security and encryption features. These, along with timed automatic logouts, ensure the safety and privacy of your personal information.
We also offer our RBC Online Banking Security Guarantee+ to protect you against unauthorized transactions.
There are some simple steps you can take to ensure the security of your information and the protection of your privacy:
- Protect your password. It's your key to accessing your accounts. Don't reveal it to anyone.
- Memorize your password. Never write it down or store it on your smartphone.
- Don’t choose passwords that include your name, telephone number, address or birthday or those of any close friend or relative.
- Never share your device passcode or leave your smartphone unattended while using the RBC Mobile app.
- Ensure that you download the app created by Royal Bank of Canada. Just to be safe, you can go to our site at www.rbcroyalbank.com/mobileapps, select your device and you will be directed to our app on the appropriate store.
Please visit our Privacy and Security page for more detailed information.
+ For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.
NOMI Find & Save is a free service that makes savings simple and effortless. It's a smart, predictive and personalized savings solution that looks for pockets of money in your cash flow to automatically save.
NOMI Find & Save will move money from your source Chequing account up to three times per week. Since NOMI Find & Save understands your transaction behaviours, it will not set aside more savings than you can afford. There is no need for you to add money directly. NOMI Find & Save finds and saves the money for you. What's more, deposit interest is calculated daily and paid monthly on the balance saved and held in your NOMI Find & Save.
In addition, NOMI Find & Save identifies upcoming cheques and pre-authorized payments in excess of your source account balance and automatically moves money into the source account to avoid fees.
To enrol, simply sign in to RBC Mobile, tap "More" and then tap "Find & Save". If you are eligible, you will be presented with the Getting Started page. You will receive push notifications alerting you every time money is saved to help balance savings and day to day banking. If push notifications for your RBC Mobile app have been disabled, they can be re-enabled at any time through device settings. Alerts will also be sent to your Alerts Inbox within the RBC Mobile app.
You can access your money in NOMI Find & Save anytime by going to your NOMI Find & Save details and selecting Transfer Money. From there you will be able to transfer any amount available in NOMI Find & Save back into any eligible chequing or savings account. You can do this from within the RBC Mobile app or through RBC Online Banking.
Need Some Additional Help?
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?
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
Eligibility criteria for an offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific offer for more details.