Tackle Cross-Border Shopping Like a Pro
Get No-Annual Fee Banking and Discounted U.S. Shipping for a Year1,2,3
First year savings of $143 USD**. Offer ends October 31st, 2020
** Savings calculated based on waived 1st year banking fees of $39.50 plus waived MyUS.com first year membership fee of $84 and set-up fee of $20 USD.
A Cross-Border Bundle Built for Canadians
- Free, unlimited transfers and instant exchange4 between your Canadian and U.S. RBC bank accounts
- Get cash at over 50,000 no-fee5 ATMs across the U.S., including at Walgreens, CVS and Target
- Make U.S. purchases in U.S. dollars with no foreign transaction fees. You can save up to $25 for every $1,000 you spend (compared to using a typical Canadian Credit Card)6
- Easily pay your RBC Bank credit card through an RBC Bank Direct Checking account. Apply now and the annual bank fee will be waived ($39.95 USD value)2
- We use your Canadian credit history and address to help you qualify
Exclusive Savings on Shopping and Shipping3
Through our partnership with MyUS.com, RBC Bank clients can shop tax-free, choose from thousands of exciting retailers and save up to 80% on shipping costs**. Sign up and save with:
- Waived set-up fee ($20 value)
- No monthly membership fees for the first year ($84 value)
- 10% savings on your first shipment
** For complete terms and conditions visit myus.com
Key Features of Our Banking Bundle
No Annual Fee1 U.S. Credit Card with Rewards
Annual Fee: $01
Additional Card: $0
Purchase Rate: Low Introductory APR
- Earn 1 RBC Rewards point for every $1 you spend8
- Redeem for travel, gift cards, merchandise or 1.00% cash back8,9.
- Enjoy built-in insurance coverage that protects your travels, purchases and more when you use your card to pay10. More insurance details
- Travel with your choice of any airline, any flight, any time when you redeem. No blackout periods or seat restrictions.
- We’ll use your Canadian credit history and your RBC Royal Bank relationship to help you qualify.
- Get emergency cash and card replacement.
- Enjoy travel perks such as signature concierge services to scheduled events and access to tickets.
- You’re covered by Visa’s Zero Liability Policy11 protecting you against unauthorized use.
Convenient U.S. Bank Account
Annual Fee:
$0 for the first year2
- Free and unlimited online CAD <> USD exchange and transfers between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts – 24/7 with no delay4.
- Use your RBC Bank Visa Debit card to get cash at over 50,000 ATMs nationwide.
- Pay your U.S. credit cards and other bills online, from Canada or the U.S.
1/*)
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. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Late Payment Fee- up to $35. Returned Payment Fee - up to $35. Annual Fee Visa Signature Black Plus - $75. Annual Percentage Rate is 12.74% to 21.49% 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 4.75% as of December 1, 2019.
2/*)
Offer period is
September 23rd, 2019
through
October 31st, 2020
(“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary accountholder on any RBC Bank U.S. checking account for the 18 months prior to the start of the offer period. To qualify, client must open a new RBC Bank Direct Checking account and be approved for an RBC Bank credit card before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. Direct Checking account must be enrolled in eStatements, account must be funded according to the Personal Schedule of Fees and the credit card opened by
November 23rd, 2020
. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year. All other checking account fees apply. If a client applies for a RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.
3/*)
MyUS is not affiliated with RBC Bank and RBC Bank is not responsible for the offer provided by MyUS. Program details can be found at https://www.myus.com/welcome/rbc/
4)
No foreign transaction fees or transfer fees will be charged. Foreign exchange rates apply when converting currencies 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 account transaction history until the following day but will reflect the date of transfer.
5)
There is no fee associated with accessing these ATMs but standard account charges apply.
6)
Based on an average spend of $10,000 per year in the U.S. on a Canadian credit or debit card with a foreign transaction fee of 2.5%, plus two (2) wire transfers per year at a cost of $30/transfer.
7)
Prime Rate: As published in the Wall Street Journal; current rate is 3.25% as of April 1, 2020.
8)
Refer to the RBC Rewards Program Rules and Conditions provided with your credit card for details. Rewards Points are not earned on balance transfers and cash advances.
9)
1.00% cash back from the Visa Signature Black/Platinum and 1.25% cash back from the Visa Signature Black Plus credit cards can only be redeemed with RBC Rewards points.
10)
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.
11)
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 www.rbc.com/security.
12)
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.
13)
Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov.
