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Key Benefits for Canadians Banking in the U.S.

For 17 years, RBC has been providing secure and easy U.S. banking to over 400,000 Canadians.

U.S. Bank AccountU.S. Bank Account
Direct Checking

A U.S.-based account giving you the freedom to bank in all 50 states from your mobile device – without the need for a U.S. address.

Annual Fee: $0 for the first year1

No more drafts and wires. Enjoy free cross-border transfers up to $25,000, between your RBC Royal Bank (Canadian) and your RBC Bank (U.S.) accounts - 24/7 with no delay2 from your computer or mobile device.

Watch How Easy It Is

Stop packing a stack of cash. Visit our no-fee ATM5 locator to find one near you. It’s convenient to get cash at popular nationwide retailers like Target, Walgreens and CVS.

With no Interac eTransfer in the U.S., it can be challenging to send money person-to-person. With a U.S. account and using your Canadian address, use your U.S. bank account to transfer funds to other U.S. accounts in Online Banking or with U.S. third party apps such as Venmo^, Apple Cash^, Cash App^ or PayPal^ – an option not available with a Canadian U.S. dollar account.

With Online Banking and Bill Pay you can make your U.S. payments from your desktop or mobile device, through our website or on the RBC Mobile App10 and even deposit U.S. checks with your smartphone or tablet.

U.S. Credit CardU.S. Credit Card
Visa Signature Black

A No-Annual-Fee3 U.S.-based rewards credit card that uses your Canadian credit history to qualify.

Annual Fee: $0

Introductory APR: 0% for 6 months

Save 2-3% on U.S. purchases by avoiding foreign transaction fees4 – and make returns in USD, without concern for currency fluctuations.

Redeemable for travel, gift cards, merchandise, unlimited 1% cash back7.

  • No blackout periods or seat restrictions.
  • Redeem points for flights and hotels.
  • Easily manage and redeem your points for travel through Online Banking.
  • Trip cancellation or interruption insurance up to $5,000
  • Travel accident insurance up to $500,000 and lost luggage reimbursement up to $3,000
  • Auto rental collision damage waiver
  • Cell phone insurance up to $200 ($50 deductible)
  • Purchase security up to $500 per occurrence
  • Emergency cash and card replacement

Get Online Cross-Border Shopping & Shipping with MyUS.com

Through our partnership with MyUS.com9, shop U.S. retailers online tax-free and save up to 80% on shipping costs home to Canada. You'll save on your first year membership fee, set-up fee and get a 10% discount on the cost of your first shipment.

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The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians

Finding the idea of banking and getting credit in the U.S. stressful? We’re with you. We make cross-border banking easy and secure.

  • Easy access to cash with over 50,000 no-fee ATMs5 in all 50 states
  • Use your Canadian credit history, address and ID to apply
  • Manage your money anywhere, anytime through mobile, online and telephone banking

play buttonHow we make cross-border banking easy

The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians

Finding the idea of banking and getting credit in the U.S. stressful? We’re with you. We make cross-border banking easy and secure.

  • Easy access to cash with over 50,000 no-fee ATMs5 in all 50 states
  • Use your Canadian credit history, address and ID to apply
  • Manage your money anywhere, anytime through mobile, online and telephone banking

play buttonHow we make cross-border banking easy

Apply Online in Just 5 Minutes

It's easy and quick. You can start your no-obligation application online right now. It usually takes less than 5 minutes and you can even open your U.S. bank account immediately.

Apply by October 31st, 2022 and enjoy no-annual-fee cross-border banking for 1 year1.

Other Ways to Apply

Legal Disclaimer
RBC Bank, Equal Housing Lender Lender Member FDIC.
Legal Disclaimer
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”).