RBC Chequing Account Offer
LIMITED TIME OFFER
Open an Eligible RBC Chequing Account
Offer Ends June 1, 2026. Qualifying Criteria and other Conditions Apply.
Open an Eligible RBC Chequing Account
and Get the New Apple Watchlegal bug 1
Plus, get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch*,legal bug 2
Offer Ends June 1, 2026. Qualifying Criteria and other Conditions Apply.
* New subscribers only. After 3 months, subscription automatically renews until cancelled.
Two Great Chequing Accounts to Choose from
Enjoy a range of features and benefits, plus take advantage of our new bank account offer.
How to get your
new Apple Watch
Open an eligible RBC bank accountlegal bug 1 by June 1, 2026
Set up and complete two of the following by August 10, 2026:
- Your payroll or pension as a direct deposit
- Two pre-authorized monthly payments
- Two eligible bill payments to a service provider
Other terms and conditions apply.
RBC Digital Banking 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.13
RBC Right Account Guarantee
We will refund up to 3 months of account fees if you are not satisfied with your new account.12
RBC Digital Banking 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.13
RBC Right Account Guarantee
We will refund up to 3 months of account fees if you are not satisfied with your new account.12
Plus get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watchlegal bug *,legal bug 2
Enjoy over 100M songs and thousands of workouts
How Do I Redeem This?
To redeem the offer for Apple Watch, connect or pair your eligible device to an iPhone running the latest version of iOS.
After setting up or pairing your new Apple Watch, open the Apple Music and/or Apple Fitness app on an iPhone.
The offer should be presented immediately after launching the app. If not, go to the Home tab where it will appear.
Tap "Accept Now.”
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account.
legal disclaimer 14
Only at RBC.
Avion Rewards
Your RBC Bank Account unlocks offers for cash back, savings and Avion points from over 2000 brands.
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 16 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 17
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account.
legal disclaimer 14
Only at RBC.
Avion
Rewards
Your RBC Bank Account unlocks offers for cash back, savings and Avion points from over 2000
brands.
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 16 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 17
Top Questions About Our New Bank Account Offer
Please go to rbc.com/watchterms
Not necessarily. You can be an existing RBC client and qualify for this offer, as long as you:
- do not have an existing Personal Banking Account with RBC
- never had a Personal Banking Account with RBC, nor qualified for any of our offers related to opening an account in the last five years
1) Open a new RBC Signature No Limit Banking account or RBC VIP Banking account by June 1, 2026
2) Set up and complete two of the following by August 10, 2026
- Your payroll or pension as a direct deposit
- Two (2) pre-authorized monthly payments (PAPs)
- Two (2) eligible bill payments to a service provider
NOTE:
- The Qualifying Criteria you performed to get the Apple Watch Reward (such as recurring payroll/pension deposit, bill payment or pre-authorized monthly payment) must remain in effect until after June 1, 2027.
- Once you qualify, to order your Apple Watch you must have a valid deliverable email address where you will receive a message containing a secure link that will permit you to visit a secure online store where you can select your Apple Watch and confirm an address for delivery, as well as any other shipping details
The offer is available to Canadian residents who:
- have never had a Personal Banking Account (chequing account) with RBC nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period.
- have attained the age of majority as defined in their province of residence prior to June 1, 2026.
NOTE: If you are not age of majority when you open your new account but will turn the age of majority before June 1, 2026 once you complete the criteria, you will receive the link to order your Apple Watch after your birthday.
Other terms and conditions apply. See the full Terms and Conditions for details.
Starting February 9, 2026, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Qualifying Criteria and qualified for the Promotional Offer. This message will be sent at any time up to twenty business days after we have determined that all Qualifying Criteria have been completed by you. The email message will contain a secure link that will permit you to visit a secure online store where you can select your Reward and confirm an address for delivery, as well as any other shipping details
Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to receive the Reward (for example, setting up payroll/pension deposit or pre-authorized payments) must remain in effect until at least June 1, 2027.
You will be able to select the Apple Watch Series 11 GPS, Sport band, 42 mm or 46 mm case in your choice of:
- Jet Black Aluminum Case with Black Sport Band - S/M or M/L
- Grey Aluminum Case with Black Sport Band - S/M or M/L
- Rose Gold Aluminum Case with Light Blush Sport Band - S/M or M/L
- Silver Aluminum Case with Purple Fog Sport Band - S/M or M/L
Colours and band types are subject to availability. Please see the Terms and Conditions for additional details.
Need More Help?
Book an Appointment
Book a virtual appointment with an advisor:
1-800-769-2561 (Open 24/7)
Legal Disclaimer*
New subscribers only. After 3 months, subscription automatically renews until cancelled.
Legal Disclaimer1)
To take advantage of this offer, you must be a resident of Canada and age of majority by June 1, 2026 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on January 14, 2026, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple Watch (Apple Watch Series 11 GPS, Rubber band, 42 mm or 46 mm case in your choice of Jet Black Aluminum with Black Sport Band, Space Grey Aluminum with Black Sport Band, Rose Gold Aluminum with Light Blush Sport Band or Silver Aluminum with Purple Fog Sport Band, Model Numbers included in the full Terms and Conditions), when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST June 1, 2026 and complete two of the following ”Qualifying Criteria” by 9PM EST August 10, 2026: set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit rbc.com/watchterms.
Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.
Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.
Legal Disclaimer2)
Apple Music:
New subscribers only. $10.99/month after trial. Offer is available for new Apple Music subscribers with a new eligible device for a limited time only. Offer redemption for eligible audio devices requires connecting or pairing to an Apple device running the latest iOS or iPadOS. Offer redemption for Apple Watch requires connecting or pairing to an iPhone running the latest iOS. Offer good for three months after eligible device activation. Only one offer per Apple Account, regardless of the number of eligible devices you purchase. Plan automatically renews until cancelled. Restrictions and other terms apply.
Apple Fitness+:
A subscription is required for Apple Fitness+.
Apple Fitness+ requires iPhone 8 or later with iOS 16.1 or later, or Apple Watch Series 3 or later with watchOS 7.2 or later paired with an iPhone 6s or later with iOS 14.3 or later.
Offer available to new subscribers who purchase an eligible device after September 7, 2022. $12.99/month after trial. Only one offer per Apple Account and only one offer per family if you’re part of a Family Sharing group, regardless of the number of devices you or your family purchases. This offer is not available if you or any of your family members have previously subscribed to Apple Fitness+. Offer good for three months after eligible device activation. Plan automatically renews until cancelled. Restrictions and other terms apply.
New subscribers only. $10.99/month after trial. Offer is available for new Apple Music subscribers with a new eligible device for a limited time only. Offer redemption for eligible audio devices requires connecting or pairing to an Apple device running the latest iOS or iPadOS. Offer redemption for Apple Watch requires connecting or pairing to an iPhone running the latest iOS. Offer good for three months after eligible device activation. Only one offer per Apple Account, regardless of the number of eligible devices you purchase. Plan automatically renews until cancelled. Restrictions and other terms apply.
Apple Fitness+:
A subscription is required for Apple Fitness+.
Apple Fitness+ requires iPhone 8 or later with iOS 16.1 or later, or Apple Watch Series 3 or later with watchOS 7.2 or later paired with an iPhone 6s or later with iOS 14.3 or later.
Offer available to new subscribers who purchase an eligible device after September 7, 2022. $12.99/month after trial. Only one offer per Apple Account and only one offer per family if you’re part of a Family Sharing group, regardless of the number of devices you or your family purchases. This offer is not available if you or any of your family members have previously subscribed to Apple Fitness+. Offer good for three months after eligible device activation. Plan automatically renews until cancelled. Restrictions and other terms apply.
Legal Disclaimer3)
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. The number of waived fees per month are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
Legal Disclaimer4)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
Legal Disclaimer5)
If you are an owner of an Account that allows Companion Accounts, participation in the RBC’s Value Program, a discount on the annual fee for an RBC credit card or a discount on the annual rental fee of a safe deposit box, your holdings will be automatically linked if their owner(s) is (are) the same. However, in some instances your product holdings may need to be manually linked, and you will need to contact us to do so. Without limitation, this includes if your product holdings are held in different ownership, in different processing centers, or there are greater than two account owner(s) on your Account. If any one of your associated or linked RBC products is in joint ownership and the ownership of any of the linked products differ from one another, you acknowledge that the ownership of the other products may be disclosed to the other joint owners or co-owners.
Legal Disclaimer6)
The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day.
Legal Disclaimer7)
The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled Personal Deposit Accounts Disclosures and Agreements.
Legal Disclaimer8)
On operating account only. $1 per cross border debit transaction on companion accounts. Not available on U.S. Personal Account. 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 Interac 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 9)
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
Legal Disclaimer10)
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC ION+ Visa, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. If you already have a VIP account, the rebate will be applied at the time you open your eligible credit card account. If you open your VIP account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
Legal Disclaimer11)
The standard Monthly Fee for the RBC VIP Banking account is $30; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled “Personal Deposit Accounts Disclosures and Agreements”.
Legal Disclaimer12)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
Legal Disclaimer13)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- 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.
Legal Disclaimer14)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.
Legal Disclaimer15)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Legal Disclaimer16)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Legal Disclaimer17)
You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.
® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
Other Features Included in this Account
| Avion Pointslegal bug 1 | 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. |
| Interaclegal bug ‡ e-transferslegal bug 2,legal bug 3 | FREE |
| International Money Transfers | Pay no fee for U.S. and international money transferslegal bug 4 |
| Cross Border Debits | 5 cross-border debits per month, $1 each thereafterlegal bug 5 |
| Online, Mobile and Telephone Banking | FREE |
| eStatements | FREE |
| Monthly Paper Statements | $2.25 without cheque image, $2.50 with cheque image |
| Non-Sufficient Funds (NSF) Fee | 1 NSF fee rebated every calendar yearlegal bug 7 |
| Personalized Chequeslegal bug 8 | 1 book of cheques FREE, afterwards Fees Apply |
| Bank Draftslegal bug 9 | 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 monthslegal bug 10. |
Optional Services
| Using a PLUS System ATM in Canada or the U.S.legal bug 11,legal bug 12 | $3 each |
| Using a PLUS System ATM Outside Canada or the U.S. | $5 each |
Legal Bug 1)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
Legal Disclaimer2)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Legal Disclaimer3)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
Legal Disclaimer4)
Additional service fees by any intermediary and receiving bank may apply. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.
Legal Disclaimer5)
In addition to the fee for making a Cross Border Debit, the purchase amount will be subject to foreign exchange rates at the time of the purchase. Transactions are converted to Canadian dollars at an exchange rate that is 2.5% over the Interbank Spot Rate as defined by Interac Corp.
Legal Bug 7)
We will rebate the standard NSF fee of $45 for your first NSF transaction in a given calendar year. You will be charged $45 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years.
Legal Disclaimer8)
No charge for your first order of RBC style personalized cheques (100 singles or 50 duplicates). A fee applies to all cheques ordered thereafter.
Legal Disclaimer9)
We will only apply the allowed number of free drafts against the Account where the draft purchase is made. They are not transferable. If you own more than one Account that offers free drafts, it is your responsibility to advise us at the time of purchase.
Legal Disclaimer10)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
Legal Disclaimer11)
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 Disclaimer12)
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
Other Features Included in this Account
| Avion Pointslegal bug 1 | 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. |
| Interaclegal bug ‡ e-transferslegal bug 2,legal bug 3 | FREE |
| International Money Transfers | Pay no fee for U.S. and international money transferslegal bug 4 |
| RBC ATMs | No RBC fee to use ATMs worldwidelegal bug 5,legal bug 6,legal bug 7 |
| Online, Mobile and Telephone Banking | FREE |
| eStatements or Monthly Paper Statements | FREE |
| Cross-Border Debitslegal bug 8,legal bug 9,legal bug 10 | FREE |
| Safe Deposit Boxlegal bug 11 | Up to $60/year discount on regular fees |
| Non-Sufficient Funds (NSF) Fee | 1 NSF fee rebated every calendar yearlegal bug 12 |
| Personalized Chequeslegal bug 13 | FREE, with RBC VIP Style |
| Bank Draftslegal bug 14 | 12 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 15 |
Legal Disclaimer1)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
Legal Disclaimer2)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Legal Disclaimer3)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
Legal Disclaimer4)
Additional service fees by any intermediary and receiving bank may apply. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.
Legal Disclaimer5)
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 Disclaimer6)
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
Legal Disclaimer7)
With an RBC VIP Banking Client Card.
Legal Disclaimer8)
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
Legal Disclaimer9)
On operating account only.
Legal Disclaimer10)
In addition to the fee for making a Cross Border Debit, the purchase amount will be subject to foreign exchange rates at the time of the purchase. Transactions are converted to Canadian dollars at an exchange rate that is 2.5% over the Interbank Spot Rate as defined by Interac Corp.
Legal Disclaimer11)
Safe deposit boxes are subject to availability. Only one safe deposit box discount per eligible account is allowed. If you own more than one safe deposit box and only one eligible account, it is up to you to determine to which safe deposit box the discount will apply. Safe deposit box discounts will not be prorated for Accounts or safe deposit boxes opened part way through the year. They will only be applied the following year when the safe deposit box rental fees are billed annually in January.
Legal Disclaimer12)
We will rebate the standard NSF fee of $45 for your first NSF transaction in a given calendar year. You will be charged $45 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years.
Legal Disclaimer13)
RBC Royal Bank style cheques can be ordered only through RBC’s third-party authorized cheque-printing service provider. The first order is for 50 personalized cheques with no special add-on cheque features and includes shipping and handling.
Legal Disclaimer14)
We will only apply the allowed number of free drafts against the Account where the draft purchase is made. They are not transferable. If you own more than one Account that offers free drafts, it is your responsibility to advise us at the time of purchase.
Legal Disclaimer15)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
