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Key Features
- Free electronic self-service transfers 24/7 with no delay2
Including ATM and unassisted telephone fund transfers, from this account to any other RBC Royal Bank personal deposit account in your name.
More Great Features
| Details | Fees |
|---|---|
| Monthly Fee | Free |
| Currency | U.S. |
| Monthly Debits included4 | 1 per monthly cycle |
| Free Transfers | Electronic self-serve transfer to any RBC Royal Bank personal deposit account in your name |
| Debits Exceeding Monthly Limit | $3.00 each Exception: Cheques are not permitted |
| Interac and PLUS System ATM Network Access Fees5 |
|
| Interac e-transfer | Not available |
| Cross-Border Debit4, 6, 7 | Not available |
| eStatement and eNotifications | Free — including cheque images viewed online less than 90 days old |
| Access to Online and Mobile Banking3 | Free |
Ways to Bank
Manage Your Chequing 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
Apply Online
Getting your account opened is easy and can be done online in just 10-15 minutes. Simply answer a few questions to get started.
NOMI Insights
NOMI helps you manage your everyday finances by providing you with timely and personalized trends and overviews based on your spending and saving habits.
Kickstart Your Savings
Set up "memorized" online transfers using RBC Save-matic to put automated payments into your savings account.
I'm Already a Customer
The easiest way to commit to a regular savings plan is to arrange for pre-authorized transfers from your banking account to your designated savings account. Simply specify the amount and how often you want the transfers to take place — for example, once a week, every two weeks or once a month. You may even want to schedule these to occur just after your paycheque is direct-deposited into your chequing account.
- Step 1: In your Online Banking, under Quick Payments and Transfers, click on Pay Bills and Transfer Funds.
- Step 2: On the left hand menu, click on Set Up Save-Matic.
- Step 3: Enter the Amount you want to save, choose your From and To accounts, When to start, and select how often from the Receive Frequency options, then click on Submit.
- Step 4. Review your information and click on Confirm.
- Sign in to the RBC Mobile app,
- Tap ‘More’
- Tap ‘NOMI Find & Save’ and turn it on.
After you turn on NOMI Find & Save, we will get to know your spending & saving habits in your source chequing account to find opportunities to save for you.
Learn More about NOMI Find & Save about NOMI Find & SaveYou can deposit cheques through the RBC Mobile app (Android and iPhone devices) or the RBC Canada app (iPad devices). Download the latest version of the apps from the relevant app store, select "Deposit Cheque" in the main menu and follow the on-screen prompts.
Learn More about Mobile Cheque DepositWith 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
Go to our Exchange Currency Converter to get the latest foreign exchange rates.
Better Banking Gives You More
Need help choosing a U.S. account?
Based on your needs, we’ll recommend a U.S. Savings Account and Credit Card that will save you money while in the U.S.
Security Guarantee
Get 100% reimbursed for unauthorized transactions.8
View Legal DisclaimersHide Legal Disclaimers
1)
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.
2)
Fees may apply on the account from which the money has been transferred.
3)
Transaction fees may apply for bill payments or funds transfers made through Online Banking and are separate from access fees.
4)
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.
5)
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.
6)
On operating account only. $1 per cross border debit transaction on companion accounts. Not available on U.S. Personal Account.
7)
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.
8)
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.