1	Applies to banking accounts only. Limit one rebate per customer. Some conditions & exceptions may apply.
2	Must be used during the monthly cycle in which it was provided.
3	ATM operator surcharge (also called a convenience fee) may apply.
4	Transaction fees may apply for bill payments or funds transfers made through Online Banking and are separate from access fees.
5	Monthly fee waived. Overdraft interest charge applies if used. If an Account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
6	Totals are not cumulative and, if not used, cannot be carried over into the next applicable monthly cycle or calendar year.
7	Pro-rated for partial years.
8	Paid to each account.
9	RBC Student Banking® and RBC No Limit Banking for Students® accounts are available to any full-time student upon presentation of student identification.
10	An inactive account notice is sent when the customer has not performed any transactions between January 01 and December 31 for two consecutive years. An inactive account fee is charged each year the account is inactive, but notices are only sent after the 2nd and 5th year the account has been dormant, if applicable. If the account remains dormant for 9 years, the account is closed and the funds balance is transferred to Bank of Canada.
11	Canadian Dollar equivalent.
12	Fee waived if monthly electronic statement is selected.
13	On operating account only.
14	Foreign currency purchases are converted to Canadian dollars at an exchange rate 2.5 per cent over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
15	Subject to credit approval.
16	All fees are payable in Canadian dollars, regardless of the currency of the payment.
17	Additional changes may be deducted from the payment amount by the receiving financial institution and/or its intermediaries.
18	Inquiries/traces can be subject to fees other than those collected by RBC Royal Bank.
19	If another bank needs to be contacted, add an additional $25 plus GST.
20	Eligible criteria must be met.
21	Fee waived when Senior's rebate applied.
22	The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
23	Excludes RBC High Interest eSavings® account.
24	One certificate per customer. Can be used towards any preferred supplier vacation package, tour or cruise booking with a minimum value of $2,500, exclusive of taxes. Certificates can be combined: one certificate with each $2,500 worth of travel. Valid for two years from date of issue.
26	Fees may apply on the account from which the money has been transferred.
27	Fees may apply on the account from which the money has been transferred. Includes RBC Royal Bank and RBC Centura® and RBC Direct Investing® accounts in your name only (sole ownership) and those that you share with others (joint ownership). Online transfers are not available for RBC Royal Bank U.S. Dollar Visa‡ Gold cards.
28	RBC Online Banking is provided by Royal Bank of Canada.
*	Registered trademark of Visa International Service Association. Used under license.
†	Registered trademark of American Express Company. Used under license.
‡	All other trademarks are the property of their respective owner(s).
†††	Registered trademark of Canada Post Corporation. Used under license.