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The most valuable features we offer – in a single account
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Offer Ends August 13, 2024. Terms and Conditions Apply.
See Details
$30/month2 or less with the Value Program Rebate3
Open Account
Monthly fees waived on three additional personal accounts
Get monthly fees waived on two additional CAD accounts and one USD account.legal disclaimer 7
ATM withdrawal fees waivedlegal disclaimer 8,legal disclaimer 9
Interac‡ and PLUS System ATM withdrawal RBC fees waived (does not apply to surcharges or convenience fees charged by other ATM operators).
Monthly fees waived on three additional personal accounts
Get monthly fees waived on two additional CAD accounts and one USD account.legal disclaimer 7
ATM withdrawal fees waivedlegal disclaimer 8,legal disclaimer 9
Interac‡ and PLUS System ATM withdrawal RBC fees waived (does not apply to surcharges or convenience fees charged by other ATM operators).
Unlimited Debit Transactions
Unlimited Debit Transactions
Use your account as often as you want! With unlimited debit transactions in Canada, you can buy, send, withdraw and transfer without having to keep track of your transactions.
Get unlimited debit transactions on 3 additional personal accounts.
Up to $120 rebate
on annual credit card fees
As a VIP Banking account holder, you get up to a $120 rebate on the annual fee of an eligible credit card.legal disclaimer 10
RBC Avion Visa Infinite
Right Account Guarantee
If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.legal disclaimer 11 That's our Right Account Guarantee.
Security Guarantee
Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal disclaimer 12
Account Fees
Monthly Fee
$30/month
with the Value Program Rebatelegal disclaimer 14
as low as $18.05/month
After the Seniorslegal disclaimer 13 Rebate
$22.50/month
Save with the Value Program Rebatelegal disclaimer 14
Get more from your everyday banking when you enrol any of your eligible RBC bank accountslegal disclaimer 23 in the Value Program. The more product categories you have, the more you earn and save.
Bank Account
RBC VIP Banking
$30/monthlegal disclaimer 2
Your Savings and Rewards
Monthly Feelegal disclaimer 2
$30
after rebate*,legal disclaimer 14
*For each enrolled account, you must also complete at least 2 out of 3 regular account activities (pre-authorized payment, direct deposit or eligible bill payment) each month to receive the monthly fee rebate.
More Account Features
Avion Pointslegal disclaimer 15
Earn a minimum of 1 point per $10 spent
Once eligible account is enrolled in the Value Program
International Money Transfers
Pay no fee for U.S. and international money transferslegal disclaimer 33
Bank draftslegal disclaimer 16
12 FREE/year, $9.95 each thereafter
Overdraft Protectionlegal disclaimer 17
Up to $10,000 at no extra cost
Regular overdraft interest applies, subject to credit approval
Safe Deposit Boxlegal disclaimer 18
Up to $60/year discount on regular fees
Stop Payment
Free stop payments on operating account only
Cross Border Debitslegal disclaimer 9,legal disclaimer 19,legal disclaimer 20
FREE
Personalized Chequeslegal disclaimer 19
FREE personalized cheques in Royal Bank VIP style on operating account
Regular cheque printing fees apply for U.S. personal account cheques
RBC Direct Investinglegal disclaimer 21
RBC Direct Investing maintenance fee waived
Non-Sufficient Funds (NSF) Fee
1 NSF fee rebated every calendar yearlegal disclaimer 22
Not sure which chequing account is right for you?
Help Me Choose
Help Me Choose
Answer a few questions and we’ll suggest the chequing accounts that best match your needs.
Compare Chequing Account Features
Compare Chequing Account Features
See our range of accounts and compare the features that are important to you.
Speak to an Advisor
Speak to an Advisor
Book a virtual appointment with an advisor: 1-800-769-2561 (Open 24/7).
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account.
legal disclaimer 23
Only at RBC.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 15
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobilelegal disclaimer 24 app. Unlock it just as fast.
RBC Offers
Offers from the brands you love
Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands.legal bug 25
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. legal disclaimer 23 Only at RBC.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 15
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 24 app. Unlock it just as fast.
RBC Offers
Offers from the brands you love
Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands.legal bug 25
Top Bank Account Questions
Top Bank Account Questions
No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebatelegal disclaimer 14 and the Seniors Rebatelegal disclaimer 13 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.
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 disclaimer 15 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.
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.
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, call 1-800-769-2511 or visit a branch.
RBC Online and Mobile Bankinglegal disclaimer 24 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/ways-to-bank/mobile/rbc-mobile-app/index.html, 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.
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.
- 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.