Open an RBC Signature No Limit Banking Account and Get the New Apple Watchlegal disclaimer 1
Offer ends June 1, 2026. Conditions apply.
View Offer Details
$16.95legal disclaimer 2
+ This is the monthly account fee. Additional fees may apply depending on your account activity. View the fee details.
Flexibility For Every Way You Bank
Get access to flexible banking that fits your lifestyle. This feature-rich account offers everything from routine payments and deposits to cheque books, bank drafts, and overdraft protection, helping you manage your finances with ease.
Account Highlights
Get unlimited debit transactions
Buy, send, withdraw and transfer with unlimited debit transactions in Canada.
Send free money transfers
Send free Interac e-Transfers locallylegal disclaimer 5,legal disclaimer 6, or international money transfers worldwidelegal disclaimer 7.
Enjoy complimentary drafts
Get 6 free bank drafts per yearlegal disclaimer 8 ($9.95 each thereafter) and your first book of personalized cheques at no costlegal disclaimer 9,legal disclaimer 10.
Save on monthly fees
Pay as little as $4 monthly through exclusive rebates and offerslegal disclaimer 3.
Receive an annual credit card rebate
Get up to $48 off the annual fee of an eligible credit cardlegal disclaimer 11,legal disclaimer 12.
Get overdraft protection
Access up to $5,000 overdraft protection at no extra costlegal disclaimer 13.
How to Earn Avion Points
1X
Earn a minimum of 1 Avion point per $10 spent on debit purchases when you enrol in the Value Programlegal disclaimer 14.
This account may be ideal for you if:
You use your chequing account regularly
Handle every kind of payment, from card taps with debit, paying rent with cheques, or making down payments with bank drafts, you’ll have it covered.
You pair it with an RBC credit card
Combine with a credit card so you can save money and earn more rewards at the same time.
You need protection when your balance is low
Help avoid declined payments and reduce surprise fees with overdraft protectionlegal disclaimer 13.
This account may not be ideal for you if:
You want multiple accounts plus a higher credit card rebate
The RBC VIP Banking account waives the fee on up to three accounts (2 CAD + 1 USD)legal disclaimer 29 and up to $120 off the annual fee of an eligible credit cardlegal disclaimer 30.
Earn and Save More with RBC
Enrol your RBC Signature No Limit Banking account in the Value Program and unlock more rewards and savings with each product you addlegal disclaimer 24.
Collect Avion Rewards points
Earn rewards on your everyday purchases made online and in-storelegal disclaimer 14.
Reduce your monthly fees
Bundle your RBC Signature No Limit Banking account with other eligible RBC products, and watch your monthly fees shrinklegal disclaimer 24.
Petro savings
Save 3¢/L on gas at Petro-Canada by linking it to your RBC Signature No Limit Banking cardlegal disclaimer 15.
Fees and Other Benefits
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 disclaimer 16.
Avion points
Earn a minimum of 1 point per $10 spent once your account is enrolled in the RBC Value Programlegal disclaimer 14
International money transfers
Pay no fee for U.S. and international money transferslegal disclaimer 7
Personalized cheques
1 free book of cheques
fees apply thereafterlegal disclaimer 9,legal disclaimer 10
Bank drafts
6 free bank drafts per yearlegal disclaimer 8
$9.95 thereafter
Safe deposit box
View fees by safe deposit box size
Non-Sufficient Funds (NSF) Fee
$10 eachlegal disclaimer 17
Paper statements
$2.25 without cheque imagelegal disclaimer 18, $2.50 with cheque imagelegal disclaimer 19
Using a PLUS System ATM in Canada or the U.S.legal disclaimer 20
$3 each
Using a PLUS System ATM Outside Canada or the U.S.legal disclaimer 20,legal disclaimer 21
$5 each
Tailored Advice with a Trusted Advisor with your Signature No Limit Banking Account
Get personalized guidance
Gain confidence in money management with our trusted advisors.
Enjoy nationwide support
Get access to over 200 branches and ATMs that are ready to serve you.
Speak with us in your preferred language
Receive help in more than 100 languages, ensuring every conversation feels comfortable and personal.
All Your Banking, in Your Hands
Simplify budgeting
Receive tailored budget suggestions that match your spending and saving patterns.
Spot issues quickly
Receive alerts for duplicate or unusual transactions right in the RBC Mobile app.
Gain personal insights
Track grocery spending, upcoming payments and more.
RBC Mobile App
The RBC Mobile app gives you personalized tools and insights so you can save, spend and manage your money with ease.
Already a client? Get the app now:
Scan or text “RBC” to 722722 and we’ll send you the link to your phone.
How We Keep Your Money Safe
Lock your card instantly
Easily lock or unlock your card a misplaced debit card in the RBC Mobile applegal disclaimer 22.
Security guarantee
Feel confident knowing your money is CDIC-insured up to $100,000 and secured against unauthorised uselegal disclaimer 23.
Explore Our Other Chequing Accounts
Need help deciding?
Help Me ChooseAccounts Most Often Opened Together
Frequently Asked Questions
The RBC Signature No Limit Banking Account is a chequing account that offers unlimited debit transactions in Canada, valuable savings, and exclusive benefits. You can open this account with no minimum balance and enjoy features like free Interac e-Transfers, monthly fee rebates, and access to RBC Vantage.
The standard monthly fee for the RBC Signature No Limit Banking Account is $16.95legal disclaimer 2. You can lower or eliminate this fee by:
- Enrolling in the RBC Value Program and linking other eligible RBC products, such as a credit card or mortgagelegal disclaimer 24
- Taking advantage of the senior fee rebatelegal disclaimer 4, if eligible
You can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebatelegal disclaimer 24 and the Seniors Rebatelegal disclaimer 4 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.
The RBC Signature No Limit Banking Account is not a no-fee account by default, but you can reduce your monthly cost to as low as $4 through the RBC Value Program or applicable rebates (such as senior or student discounts)legal disclaimer 24.
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 disclaimer 24. 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 disclaimer 24 pay $0 per month for RBC Advantage Banking for studentslegal disclaimer 26
- Eligible seniorslegal disclaimer 4 pay $0 per month for RBC Day to Day Banking
- Eligible newcomers to Canadalegal disclaimer 27 pay $0 per month for RBC Advantage Banking for one year
- RDSP beneficiarieslegal disclaimer 28 pay $0 per month for RBC Day to Day Banking
- Indigenous peoples pay $0 per month for RBC Day to Day Bankinglegal disclaimer 31,legal disclaimer 32
The RBC Signature No Limit Banking Account allows you to apply for free overdraft protection coveragelegal disclaimer 13, which means you won’t pay the usual overdraft protection fee of $5/month. However, interest still applies on any overdrawn balance until it is repaid.
Yes. As an RBC Signature No Limit Banking client, you receive 1 book of personalized chequeslegal disclaimer 9,legal disclaimer 10 and 6 free bank draftslegal disclaimer 8.
You can open an RBC Signature No Limit Banking Account online via RBC Online Banking or the RBC Mobile app, or in person at an RBC branch. If you open your account online, RBC may ask you to verify your ID at a branch before activation.
To apply, you’ll need:
- A valid ID (such as a driver’s licence or passport)
- Your personal information (address, date of birth, email, employment or student status, and tax residency)
RBC Vantage is not a bank account—it’s the program of benefits available across eligible RBC bank accounts. When you have an RBC Signature No Limit Banking Account, you automatically access RBC Vantage features.
The RBC Value Program helps you save on monthly fees and earn rewards when you use your RBC account actively. When you enrol an eligible chequing account (like RBC Signature No Limit Banking) in the Value Program, you can:
- Earn Avion Rewards points on debit purchaseslegal disclaimer 14
- Save on monthly fees by holding two or more eligible RBC productslegal disclaimer 24
- Qualify for rebates by completing simple monthly activities like direct deposit, bill payments, or pre-authorized paymentslegal disclaimer 24
If you’re opening a new account, you can enrol during the application process. If you already have an eligible account you can:
- Sign in to RBC Online Banking or the RBC Mobile app to activate the Value Program.
- Book an appointment or call 1-800-769-2511.
Once enrolled, you’ll automatically start earning points and saving on fees.
This account is best for clients who:
- Make frequent debit transactions
- Want unlimited daily banking and premium benefits
- Value added perks like a free cheque book, fee rebates, and rewards on debit purchases
If you prefer a lower monthly fee with fewer transactions, RBC offers other chequing options like RBC Day to Day Banking or RBC Advantage Banking.
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 Interaclegal disclaimer ‡ e-Transfer transactionslegal disclaimer 5,legal disclaimer 6, save 3¢/L on gaslegal disclaimer 5 at Petro-Canada and more. You can also earn Avion points on debitlegal disclaimer 14 if you enrol your eligible RBC bank account in the Value Program, have other eligible RBC products and do simple activities like direct depositlegal disclaimer 24
Explore our chequing accounts.
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.
- more than once within a period of two business days with respect to the same Account.
- if the amount of the Instrument would cause your Account to become
Instruments rejected/returned due to insufficient funds in an U.S. dollar account will be charged in U.S. currency at the $10.00 Canadian equivalent, calculated using the foreign exchange rate as determined by RBC.
- 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;
- Interaclegal disclaimer ‡ Online Payment transactions resulting from negligent conduct by any Third Party participating in Interaclegal disclaimer ‡ 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 Interaclegal disclaimer ‡ 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.
