What you’ll need to apply online.
It’s quick and easy and takes less than 5 minutes. You can start your no obligation application online right now.
Cross-Border Banking for Canadians. Simplified.
Your idea of banking without borders happens here
Move your money wherever you go with RBC U.S. cross-border bank accounts and credit cards. legal disclaimer footnote 1 Apply with your Canadian credit history and open the doors to borderless banking.
What are the benefits of cross-border banking?
Unlimited, free, and instant cross-border transfers legal disclaimer footnote *
No foreign transaction fees legal disclaimer footnote ** on U.S. purchases
Access to over 50,000+ ATMs in all 50 states legal disclaimer footnote 2
1 Avion point for every $1 spent on your credit card legal disclaimer footnote 3
Unlimited, free, and instant cross-border transfers legal disclaimer footnote *
Access to over 50,000+ ATMs in all 50 states legal disclaimer footnote 2
No foreign transaction fees legal disclaimer footnote ** on U.S. purchases
1 Avion point for every $1 spent on your credit card legal disclaimer footnote 3
Simplify and streamline your U.S. travel with a range of exclusive benefits. Your RBC U.S. Cross-Border Banking Bundle includes a Direct Checking U.S. bank account and a Visa legal disclaimer footnote ‡ Signature Black credit card, designed to make managing your finances easy, rewarding, and stress-free.
Get no-annual-fee U.S. Banking for 1 Year legal disclaimer footnote †, legal disclaimer footnote 4
Cross-border bundle specifically designed for Canadians
U.S. CHECKING ACCOUNT
Direct
Direct
Checking
Insured up to
$250,000
3-Year Offer
$0
Fee rebate
up to 3 years
up to 3 years
1-year offer
$0
No annual fee for 1 year
-
Unlimited instant currency exchange
Transfer funds between your RBC Canadian & U.S. accounts 24/7 – for free legal disclaimer footnote *
-
50,000+ no-fee ATMs legal disclaimer footnote 2
Access your money in all 50 states
-
Pay U.S. bills & deposit checks
Manage your U.S. banking no matter where you are
★ Save for up to 3 years with no commitment
★ Save for 1 year with no commitment
No Annual Fee
$0
per year
-
Save 2.5% on U.S. purchases
No foreign transaction fees on every U.S. purchase – no surprises legal disclaimer footnote **
-
Get insurance up to $500,000 legal disclaimer footnote 6
With trip coverage up to $5,000 and purchase security
Use your Canadian credit history and address to apply.
Get no annual fee for 1 year with no minimum daily balance when you bundle.
U.S. CHECKING ACCOUNT
Direct
Checking
insured up to $250,000
1 YEAR OFFER
$0
No annual fee
1 year
Unlimited, instant currency exchanges
Transfer funds between your RBC Canadian & U.S. accounts 24/7 – for free legal disclaimer footnote *
50,000+ ATMs nationwide
Access your money in all 50 states
Pay U.S. bills & deposit checks
Manage your U.S. banking no matter where you are
★ Save for 1 year with no commitment
U.S. CREDIT CARD
Visa Signature
Black
NO ANNUAL FEE
$0
per year
Save 2.5% on U.S. purchases legal disclaimer footnote **
No foreign transaction fees on every U.S. purchase – no surprises
Earn Avion points
Earn 1 Avion point for every $1 spent. Transfer 1:1 back to Canada or enjoy 1% unlimited cash back legal disclaimer footnote 5
Get insurance up to $500,000
With trip coverage up to $5,000 and purchase security legal disclaimer footnote 6
Use your Canadian credit history and address to apply.
Compare offers side-by-side
Compare features, savings and benefits side-by-side to pick the right offer for your financial goals – choose the one that fits your lifestyle.
3 years
|
1 year
|
|
|---|---|---|
| No annual fee banking | $0 with monthly fee rebates for up to 3 years |
$0 waiver for 1 year |
| Save the typical 2.5% FX transaction fees on USD purchases |  |
|
| No annual fee travel rewards credit card | |
|
| Daily minimum balance | $1,500 USD | none |
| Apply by March 31, 2026 | Get 3 Year Offer | Get 1 Year Offer |
| 3 years with minimum balance |
1 year no minimum balance |
|---|---|
| No annual fee banking | |
| $0 with monthly fee rebates for up to 3 years |
$0 waiver for 1 year |
| Save the typical 2.5% FX transaction fees on USD purchases |
|
|
|
| No annual fee travel rewards credit card | |
|
|
| Daily minimum balance | |
| $1,500 USD | none |
| Get 3 Year Offer | Get 1 Year Offer |
| Apply by March 31, 2026 | |
Be 18 years or older and live in
Canada or the U.S.
You don’t have to have a U.S. address — use your Canadian address to apply.
Have a SIN or SSN
Unlike other banks, you don’t need a U.S. Social Security Number to apply.
Have a government ID
Use your driver’s license, passport number or other official government ID.
If you already bank at RBC, please have your client card number (16-digit number on your card).
Cross-border
offers & perks legal disclaimer footnote 11
With RBC Bank, your benefits go beyond banking. Enjoy thousands of offers, discounts and deals across Canada and the U.S., all unlocked through cross-border banking.
Travel and attraction discounts
in the U.S. & Canada legal disclaimer footnote 12
Get access to over 300,000 discounts on attractions, hotels, restaurants and more.
Get a discount of up to 25% on car and SUV rentals legal disclaimer footnote 13
Go anywhere in style and save! Enjoy discounted rental rates for your next cross-border road trip.
Get a discount of up to 35% on car and truck rentals legal disclaimer footnote 14, legal disclaimer footnote 15
Making a move or planning a road trip? We've got you covered.
Save on cross-border shopping & shipping legal disclaimer footnote 16
Shop U.S. deals online and have them shipped directly to Canada at special, discounted rates.
Shop U.S. deals online and have them shipped directly to Canada at special, discounted rates.
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank 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. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). 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. All deposit accounts, loans and lines of credit are approved by RBC Bank. rbcbank.com (link opens in new window)
Legal Disclaimer*
Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank account transaction history until the following day but will reflect the date of transfer.
Legal Disclaimer**
While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black – 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus – Foreign transaction fee does not apply, Visa Platinum – 3.0% of the U.S. dollar amount of the transaction.
Legal Disclaimer†
Offer period is January 1, 2024 through October 31, 2026 (“Offer Period”). To qualify, client must be a new RBC Bank client, defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and apply for an RBC Bank credit card on the same business day and both accounts must be opened in the name of the Eligible Personal Client. RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply on all RBC Bank products, including funding requirements and other applicable fees. Offer cannot be combined with any other RBC Bank checking offers. Employees of Royal Bank of Canada and their affiliates do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. Only one offer per Eligible Personal Client.
Legal Disclaimer‡
All other trademarks are the property of their respective owners.
Legal Disclaimer1
All loans and lines of credit are subject to credit approval.
Legal Disclaimer2
There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) (link opens in new window) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees (pdf opens in new window) for details.
Legal Disclaimer3
Refer to the Avion Rewards Program Rules (link opens in new window) provided with your card for details. Avion points are not earned on balance transfers and cash advances.
Legal Disclaimer4
All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction. Late Payment Fee – up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in The Wall Street Journal; current rate is 6.75% as of December 11, 2025.
Legal Disclaimer5
1.00% cash back from the RBC Bank Visa Signature Black/Visa Platinum Rewards credit cards and 1.25% cash back from the RBC Bank Visa Signature Black Plus credit card can only be redeemed with Avion points.
Legal Disclaimer6
All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
Legal Disclaimer7
Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.
Legal Disclaimer8
Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit rbc.com/security.
Legal Disclaimer9
An RBC Bank personal loan or line of credit product is reported to U.S. credit bureaus and is considered a tradeline in your U.S. credit history. To build U.S. credit history, most major U.S. credit bureaus generally require three credit tradelines (e.g., credit card, mortgage, etc.), a valid U.S. address, a Taxpayer Identification Number (TIN) – such as a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) for those not eligible for an SSN – and your personal information such as your name, date of birth and employment. Missing one or some of these components could result in an incomplete or null U.S credit report and/or credit score with any of the major U.S. credit bureaus. RBC Bank may use your Canadian credit history to evaluate applications for an RBC Bank personal loan or line of credit product. By maintaining an RBC Bank personal loan or line of credit in good standing, you can build or improve your credit history, as it reflects your borrowing activity, payment behavior and overall credit management. To learn more, check with major U.S. credit bureaus, visit usa.gov/credit and/or annualcreditreport.com.
Legal Disclaimer10
When transferring points, points are converted at a 1 to 1 ratio from RBC Bank to Royal Bank of Canada – meaning for every 1 Avion point transferred from your RBC Bank account, you’ll receive 1 Avion point from Royal Bank of Canada. Once points are transferred, points will be guided by the Terms and Conditions of the Avion Rewards program at Royal Bank of Canada. Refer to the Avion Rewards Program Rules (link opens in new window) for complete terms, conditions and restrictions that apply, or call 1-888-257-6837.
Legal Disclaimer11
You must enroll as an RBC Bank (U.S.) client to take advantage of these exclusive offers. These offers are subject to their respective terms and conditions which can be accessed upon enrollment. Offers are subject to change and can be withdrawn at any time. These companies are not affiliated with RBC Bank and RBC Bank is not responsible for the offers provided by each company or their respective terms and conditions.
Legal Disclaimer12
Offers are available only to RBC Bank clients. RBC Bank and BenefitHub, and other third parties that make offers available to RBC Bank clients through the RBC Bank offers and perks program, are unaffiliated parties and RBC Bank is not responsible for the offers, products, and/or services offered by BenefitHub or other third parties. You must sign-up for, or have, a BenefitHub membership in order to redeem any offers available through BenefitHub. There is no charge for a BenefitHub membership, however, you must agree to the BenefitHub membership terms and conditions. Offer and/or coupon codes are provided through BenefitHub.
Legal Disclaimer13
As an RBC Bank U.S. client, Avis Car Rentals are available to you at up to 30% off base rates with Pay Now. You must visit avis.com/en/association/G036100 (link opens in new window) to make your reservation and obtain a discount code that will automatically be applied at checkout. Special limited time offers and incentives may be made available from time to time. Eligibility requirements and offers are subject to change or can be withdrawn at any time. Visit Avis to learn current offer and eligibility requirements.
Legal Disclaimer14
As an RBC Bank, U.S. client, Budget Car Rentals are available to you at discounts up to 35% off base rates with Pay Now. You must visit budget.com/en/association/R347200 (link opens in new window) to make your reservation and obtain a discount code that will automatically be applied at checkout. Special limited time offers and incentives may be made available from time to time. Eligibility requirements and offers are subject to change or can be withdrawn at any time.
Legal Disclaimer15
As an RBC Bank, U.S. client, Budget Truck Rentals are available to you at discounts up to 20% off base rates. You must visit budgettruck.com/partner/rbc (link opens in new window) to make your reservation and obtain a discount code that will automatically be applied at checkout. Special limited time offers and incentives may be made available from time to time. Eligibility requirements and offers are subject to change or can be withdrawn at any time.
Legal Disclaimer16
As an RBC Bank U.S. client, MyUS.com (link opens in new window) is available to you with exclusive discounts, including two years of free membership. Membership savings value of CA $221 is based on US $7.00 per month assuming C$/US$ is $1.32. Foreign exchange rate subject to change. Eligibility requirements and offers are subject to change or can be withdrawn at any time.
Legal Disclaimer17
Prime Rate: As published in The Wall Street Journal; current rate is 6.75% as of December 11, 2025.
More Direct Checking details
| Transfers between the U.S. and Canada | Unlimited, instant and free – up to $25,000 in a single transfer | |
|---|---|---|
| Pay U.S. bills | Online, anytime via U.S. Bill Pay or U.S. dollar checks | |
| P2P transfers | Transfer money between U.S. accounts via PayPal legal disclaimer footnote ‡ | |
| Minimum daily balance | Start with just $50. Maintain a $1,500 balance when you bundle to earn a rebate | |
| Monthly debits | 10 debits per month; $1 per debit after legal disclaimer footnote 7 | |
| Checks | Order through online banking | |
| FDIC insurance | All deposits insured up to $250,000 | |
| Nationwide coverage | Yes – bank in all 50 states | |
| Make USD purchases | Online or over the phone wherever Visa is accepted | |
| Foreign transaction fees | Not on any USD purchase | |
| Visa Checkout | Link your card and pay online or on the go from your mobile phone or tablet in one quick, secure step | |
| Visa’s Zero Liability Policy legal disclaimer footnote 8 | You’re protected with no personal liability in the event of fraudulent use |
More Direct Checking details
| Transfers between the U.S. and Canada | Unlimited, instant and free – up to $25,000 in a single transfer | |
|---|---|---|
| Pay U.S. bills | Online, anytime via U.S. Bill Pay or U.S. dollar checks | |
| P2P transfers | Transfer money between U.S. accounts via PayPal legal disclaimer footnote ‡ | |
| Minimum balance | $0; $50 deposit required to open | |
| Monthly debits | 10 debits per month; $1 per debit after legal disclaimer footnote 7 | |
| Checks | Order through online banking | |
| FDIC insurance | All deposits insured up to $250,000 | |
| Nationwide coverage | Yes – bank in all 50 states | |
| Make USD purchases | Online or over the phone wherever Visa is accepted | |
| Foreign transaction fees | Not on any USD purchase | |
| Visa Checkout | Link your card and pay online or on the go from your mobile phone or tablet in one quick, secure step | |
| Visa’s Zero Liability Policy legal disclaimer footnote 8 | You’re protected with no personal liability in the event of fraudulent use |
More Visa legal disclaimer footnote ‡ Signature Black details
| Introductory APR | 0% for 6 months | |
|---|---|---|
| Tap and go | Contactless payment at participating merchants – just tap your card or add it to your Apple Wallet | |
| Build towards U.S. credit history legal disclaimer footnote 9 | Apply for a U.S. credit card with your Canadian credit history – then, start building your U.S. credit | |
| Earn Avion points | Earn 1 Avion point for every $1 spent on your card, legal disclaimer footnote 3 then redeem your Avion points for 1% cash back legal disclaimer footnote 5 or transfer the points to your Canadian Avion account legal disclaimer footnote 10 | |
| Insurance benefits |
Enjoy built-in insurance benefits that protect you and your money:
|
|
| Roadside assistance | Included | |
| Emergency card replacement and disbursement | Included | |
| Emergency cash and card replacement | Included | |
| Easy to use | Yes, just tap your RBC Bank credit card anywhere Visa is accepted — in-store, online and over the phone | |
| Easy to pay off | Yes, you can pay your credit card bill by selecting the “Pay Now” button in online banking | |
| Secure banking | You’re protected by several layers of fraud prevention technology via the chip technology embedded into your RBC Bank credit card. If something goes wrong, you’re protected by Visa’s Zero Liability legal disclaimer footnote 8 |
More Direct Checking details
|
Transfers between the U.S. and Canada |
Unlimited, instant and free – up to $25,000 in a single transfer |
|
Pay U.S. bills |
Online, anytime via U.S. Bill Pay or U.S. dollar checks |
|
P2P transfers |
Transfer money between U.S. accounts via PayPal legal disclaimer footnote ‡ |
|
Minimum daily balance |
Start with just $50. Maintain a $1,500 balance when you bundle to earn a rebate |
|
Monthly debits |
10 debits per month; $1 per debit after legal disclaimer footnote 7 |
|
Checks |
Order through online banking |
|
FDIC insurance |
All deposits insured up to $250,000 |
|
Nationwide coverage |
Yes – bank in all 50 states |
|
Make USD purchases |
Online or over the phone wherever Visa is accepted |
|
Foreign transaction fees |
Not on any USD purchase |
|
Visa Checkout |
Link your card and pay online or on the go from your mobile phone or tablet in one quick, secure step |
|
Visa’s Zero Liability Policy legal disclaimer footnote 8 |
You’re protected with no personal liability in the event of fraudulent use |
More Direct Checking details
|
Transfers between the U.S. and Canada |
Unlimited, instant and free – up to $25,000 in a single transfer |
|
Pay U.S. bills |
Online, anytime via U.S. Bill Pay or U.S. dollar checks |
|
P2P transfers |
Transfer money between U.S. accounts via PayPal legal disclaimer footnote ‡ |
|
Minimum balance |
$0; $50 deposit required to open |
|
Monthly debits |
10 debits per month; $1 per debit after legal disclaimer footnote 7 |
|
Checks |
Order through online banking |
|
FDIC insurance |
All deposits insured up to $250,000 |
|
Nationwide coverage |
Yes – bank in all 50 states |
|
Make USD purchases |
Online or over the phone wherever Visa is accepted |
|
Foreign transaction fees |
Not on any USD purchase |
|
Visa Checkout |
Link your card and pay online or on the go from your mobile phone or tablet in one quick, secure step |
|
Visa’s Zero Liability Policy legal disclaimer footnote 8 |
You’re protected with no personal liability in the event of fraudulent use |
More Visa legal disclaimer footnote ‡ Signature Black details
|
Introductory APR |
0% for 6 months |
|
Build towards U.S. credit history legal disclaimer footnote 9 |
Apply for a U.S. credit card with your Canadian credit history – then, start building your U.S. credit |
|
Earn Avion points |
Earn 1 Avion point for every $1 spent on your card, legal disclaimer footnote 3 then redeem your Avion points for 1% cash back legal disclaimer footnote 5 or transfer the points to your Canadian Avion account legal disclaimer footnote 10 |
|
Insurance benefits |
Enjoy built-in insurance benefits that protect you and your money:
|
|
Roadside assistance |
Included |
|
Emergency card replacement and disbursement |
Included |
|
Emergency cash and card replacement |
Included |
|
Easy to use |
Yes, just tap your RBC Bank credit card anywhere Visa is accepted — in-store, online and over the phone |
|
Easy to pay off |
Yes, you can pay your credit card bill by selecting the “Pay Now” button in online banking |
|
Secure banking |
You’re protected by several layers of fraud prevention technology via the chip technology embedded into your RBC Bank credit card. If something goes wrong, you’re protected by Visa’s Zero Liability legal disclaimer footnote 8 |