RBC Digital Choice Business Account Package

Disclaimer ‡

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Disclaimer 1

Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services,including cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), Interac e-Transfer transactions and wire transfers not expressly included in the package when completed online. For full list of fees please refer to the standard fees and charges guide

Disclaimer 2

Only includes outgoing Interac e-Transfer transactions sent on the RBC Online Banking for business or RBC Edge platforms. Excludes all other Interac e-Transfer services such as Autodeposit, Request Money, Request Money Fulfillment and Bulk Interac e-Transfer service.

Disclaimer 3

Standard fees and charges apply for services and transactions exceeding the number included in the account package and subject to customer’s account terms and conditions.

Disclaimer 4

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 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.

Disclaimer 5

Terms and conditions apply. Receive 4 months free payroll when you are referred by RBC by January 31, 2026 and have entered into ADP’s standard form services agreement by February 28, 2026 and process payroll with ADP for 3 consecutive months. Cannot be combined with any other promotions and is only available to new ADP clients in Canada and ADP Clients who have previously only obtained Complimentary Access to ADP HR Assist, in each case that are referred by RBC and have 1-49 employees. Applies only for Small Business Payroll solutions - ADP Workforce Now On the GoSM (including ADP HR AssistSM bundles), and Comprehensive Outsourcing Services. Free payroll processing applies to the recurring payroll processing fees paid by you to ADP. “Recurring payroll processing fees” exclude, without limitation: (i) any underlying payroll funding obligations (wages, taxes, third party remittances); (ii) any fees for official bank cheques, tax or special one-time reports, third-party remittances or cheque stuffing; (iii) Year-end services; (iv) refundable deposits or third party pass-through charges (including delivery charges); (v) direct expenses/charges (e.g. NSF fees); (vi) penalties and interest; (vii) fees for shipping, delivery and installation of equipment or software, custom programming, the sale or leasing of equipment or software, or maintenance; and (viii) income derived from the float. ADP reserves the right to discontinue or modify this promotion at any time.

ADP HR Assist and ADP Workforce Now On the Go are service marks of ADP, INC.

Disclaimer 6

This offer is non-transferable. This offer and the associated terms of use for Xero services (available at https://www.xero.com/ca/legal/terms/) are provided by Xero, not Royal Bank of Canada (“RBC”). To take advantage of this offer, click the link in this offer. Xero has agreed to provide a thirty (30) day free trial, followed by one hundred percent (100%) off of the subscription price for the next consecutive five (5) months for all new Canada-based business edition subscriptions (starter, standard, premium) when the promotion code provided in the link in this offer is applied while creating a Xero account. Prices are listed in CAD and exclude applicable taxes. After 6 months, Xero’s then-current list price will apply. Xero reserves the right to change its list price, charges, and billings terms at any time at its sole discretion. The offer cannot be redeemed with existing paid subscriptions or be used in conjunction with third-party or other Xero offers.

Disclaimer 7

Includes cheques deposited through the RBC Mobile app and RBC ATM.

Disclaimer 8

Includes unlimited number of items deposited via an RBC branch, RBC ATM, RBC Mobile Cheque Deposit or Night and Day Deposit. Cost of processing a paper deposit to the account still applies, unless otherwise included.

Disclaimer 9

In order to get a business bank account and account number online, the business must be a sole proprietorship or a single-owner corporation, in each case, with only one authorized signatory. The business must be registered in Canada or a business operated in Canada by a natural person who is a permanent resident of Canada. Additionally, the authorized signatory completing the online application on behalf of the business must successfully complete the personal identification portion of the application, including, without limitation, a credit bureau report to the satisfaction of Royal Bank of Canada. Multi-owner businesses or businesses that have more than one authorized signatory will be directed to the branch to get a business bank account and account number. Issuance of an account number does not guarantee that the account is operational. RBC may restrain the use of the account and require the business client to visit a branch to satisfy any outstanding requirements prior to operating the account. RBC reserves the right, in its sole discretion, to require that the business client visit a branch to complete the application. A business client that successfully completes the online application will still need to visit a branch to obtain a business client card and sign additional documentation, even if a bank account number has been issued. Actual completion time may vary from person to person and may be affected by a variety of external factors, including internet navigation speed and other interruptions. RBC does not accept any responsibility for any damage or loss that any parties might suffer resulting from any deviations from time indicated.

Disclaimer 10

There may be certain events, circumstances or incidents outside our control that disrupt the service or otherwise delay deposits. Funds availability is subject to client agreements.