Legal Bug 1)
RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student upon presentation of student identification. Must be 13 years of age or above.
Legal Bug 2)
If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you:
- i) complete the Student Information section of the credit card application form in full;
- ii) remain a student; and
- iii) are the primary or co-owner of an Eligible Bank Account throughout your studies.
|Eligible Credit Cards
||Annual Fee Rebate
|Signature RBC Rewards® Visa card†
|WestJet RBC Mastercard‡
Subject to credit approval
You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee.
If, for some reason, the Expected Graduation Year you have provided at the time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer.
Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate.
Legal Bug 3)
Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.
Legal Bug 4)
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 5)
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 6)
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 7)
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 8)
On operating account only.
Legal Bug 9)
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 10)
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 11)
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 12)
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions
Legal Bug 13)
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 May 1, 2019, and otherwise comply with the terms of the offer. The Eligible Personal Banking Account is 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 for Students Account. To qualify you must be a resident of Canada at the start of the Promotional Period (May 1, 2019). 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
. This is an annual savings of approximately $200 includes: the monthly fee waiver on the account of approximately $130 ($10.95 for 12 months), Annual fee waiver of $39 on an eligible credit cardlegal bug 2
, Bonus rewards points of approximately $35legal bug 14
Legal Bug 14)
Your application form must be approved by us to receive the 5,000 bonus RBC Rewards points. The bonus points will appear on your first statement. Additional cardholders, as well as cardholders with existing RBC Royal Bank credit cards, applying for or transferring to an RBC Signature Rewards Visa card are not eligible for this offer. This offer may not be combined or used in conjunction with another offer.