Manage my Banking Accounts

Find information on managing your RBC Royal Bank banking and savings accounts through Online Banking.

How do I:

 Order new cheques online
 Request a stop payment
 View account activity
 Sort transactions
 Open an account online
 Open an account at a branch
 View items online
 Request a duplicate account statement
 Close an account

Related Topics:

 View and Update my Online Banking Profile
 Transfer Pre-Authorized Payments
 Manage my Statement Options
 Manage My View



Order new cheques online

You can order new cheques online, choosing from many options and designs. You can even view previous online cheque orders.

You must activate your account before accessing online cheque orders.

To order your cheques:

  1. From the Online Banking home page, under Banking, select "Order new cheques"
  2. Select an account and choose "Continue"
  3. Select "Update Information" to change your address or choose "Continue"
  4. Follow the on-screen instructions to complete your order

To order cheques for your Royal Credit Line, please contact your branchBranch & ATM Locator (opens new window).

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You can use online Banking to request a stop payment.

For urgent request or if you need to make arrangements for your RBC RSP-matic or your RBC loan or mortgage payment, please call us at 1 800 769-2511.

If your stop payment request is on a pre-authorized payment, only the current payment will be stopped. Future scheduled payments will have to be stopped individually or you will have to contact the payee to make alternate arrangements.

These instructions do not apply to memorized payments you've set up through online banking. For information on how to stop this type of transaction, see Cancel a Memorized Bill Payment or Transfer.

If the payment details provided are not exact or the payment is already in process, the stop payment cannot be guaranteed and it may still go through.

If the payment is stopped successfully, you will see the payment go through your account and it will be reversed the next business day.

To enter a stop payment:

  1. From the Online Banking Home page, choose the selected account from the Account balances drop down menu and click on "View", or Select "View all account balances" and click on the selected account
  2. Under the Self Service option on the right side of the screen, click "Stop payments/cheques"
  3. Carefully read the important information regarding stop payment requests and click the "Continue" button
  4. Follow the easy on-screen instructions

Once you have successfully entered your stop payment, you will be presented with a screen that includes a "Reference Number". We recommend printing or writing down the information on this screen for your records

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View account activity

Online banking allows you to review up to 1000 transactions online

To View all transactions that occurred in the previous two weeks

From the Online Banking Home page:

Search for specific transaction details

From the Account Details page:

  1. Choose the type of transaction(s) to view - "All Transactions", "Withdrawals", or "Deposits"
  2. Choose the time period you would like to view - "the last 2 weeks", "the last 30 days", or one of the last three months
  3. Click "Search"

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Sort transactions

  1. From the Online Banking homepage select "view all account balances" under the Banking header.
  2. From the Account Balances page, click on the account name or number
  3. From the drop down boxes, select the transactions and the period of time. Click "View"
  4. To change the order of transactions, click "Sort Transactions"

By default, the system will display the last two weeks' transactions. You change this by using the drop-down options at the top of your list and clicking "View"

Open an account online

Personal accounts can be opened online, while business accounts must be opened at an RBC Royal Bank branch.

Personal accounts

You can currently open the following accounts through online banking:

From the Online Banking Home page:

  1. Select "Accounts & Services", under "Purchase & Apply"
  2. Investigate the different accounts offered by RBC Royal Bank
  3. Select "Open an account online" from the "Self Service" menu
  4. Follow the instructions in the Online Application to open your account

Once opened, you can view your account on the "View Account Balances" page and begin transacting immediately. Transaction details will not be displayed until one business day after the account is opened.

If for any reason you are unable to open an account online, please contact us.

In addition to the accounts available to open in Online Banking, you may also open the following accounts using our Open a Personal Account feature on our public website:

For all other accounts, please visit your local branch for assistance.

Business accounts

Business accounts must be opened at an RBC Royal Bank branch. Learn how you can open an account at a branch.

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Open an account at a branch

Existing Personal Clients

Opening a banking or savings account at your local branch is easy. Simply drop by any branch and an RBC Royal Bank representative will help you with the rest.

When visiting the branch make sure you bring:

Business Clients

Business accounts must be opened at an RBC Royal Bank branch. Learn how you can open an account at a branch.

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Transfer Pre-Authorized Payments

You can transfer existing pre-authorized payments (e.g. utility bills, loan payments, Registered Retirement Savings Plans [RRSPs] etc.) from your bank accounts at other financial institutions to your selected RBC bank account in Online Banking.

Before you can transfer your pre-authorized payments online, you'll have to sign an authorization form at your local RBC Royal Bank branch. If you've already visited an RBC Royal Bank branch and completed the authorization form, please wait 24-48 hours before transferring your pre-authorized payments online.

  1. From the Account Balances page, click on the Self-Service "Transfer Pre-Authorized Payments" link.
  2. Select the account to which you want to transfer the pre-authorized payments.
  3. Complete the Pre-Authorized Payments CustomSwitch® form and submit.

We'll take it from there and your pre-authorized payments will be transferred to your selected RBC account. Once everything is finalized, you will receive a kit containing the Payment Change Schedule, confirming the details as to when your pre-authorized payments will be transferred to your RBC account.

Currently this service is only available for RBC personal bank account owners, and does not apply to Credit card pre-authorized payments. For additional questions and assistance, please contact us at 1-800-769-2555.

View items online

Certain transactions such as Cheques, ATM deposits, Credit/Debit memo’s and Deposit corrections^ can be viewed online.

^ Deposit corrections can only be viewed for business deposit accounts

How to View an Item Online

Depending on the transaction, you will be presented with an image window containing a representation of the actual item (i.e. a cheque) or  details of the transaction (i.e. certain adjustments posted to your account)  

  1. From the Banking tab under My Accounts, select the desired account.
  2. Select the transaction you would like to view by clicking on the hyperlinked (underlined) "Description" from transaction list.
  3. Select the "View Item" button.  
  4. For paper-based transactions, you will be presented with either the front or back of the item. For non-paper-based transactions, you will be presented with details of the transaction.
  5. Be sure to print the transaction, from your personal computer to avoid paying additional fees^ to view the same transaction in the future. Once you close the image window, additional requests to view the same transaction will result in a new fee.

Helpful Hints:

With ATM deposits, you will be presented with a list of items contained in the deposit. You can then select the item(s) you wish to view.

^ Fees to view certain transactions are waived if you select electronic statements (or “statements and notifications”).

To print the transaction:

Important: When you print a transaction, it is no longer in the secure RBC Online Banking environment. To keep your account information safe, be sure to keep your printed copies in a safe place.

For certain paper-based transactions:

  1. Select the "Order Printed Copy" button.
  2. Confirm the details of your request.
  3. A printed copy of the item will be mailed to you through regular mail.

Fees to View Items Online

There is a fee of $1.50 per transaction. You will be advised of this service fee before viewing the item.

A fee will be charged every time you view a transaction. You may want to print the transaction image to avoid paying additional fees to view the same transaction in the future. Once you close the image window, additional requests to view the same transaction will result in a new fee.

If there was a bank error in the processing of an item, the fee will be refunded.

Exceptions

The $1.50 fee for viewing images of cheques written on personal or business deposit account or adjustments on business deposit accounts will be waived if you have selected:

Items that can be viewed online

  1. Paper-based items (such as cheques) and certain adjustments to your account are available to be viewed online for up to 90 days.
  2. Details of non-paper-based transactions (such as deposit corrections) are available to be viewed online for up to 120 days.

Delay for viewing items deposited at the ATM

Images of items deposited at ATMs are only created after the financial processing has been finalized. Quality assurance testing is then done to ensure that the images of those transactions eligible for online digital imaging are of the highest quality.
There is a delay for viewing items deposited at ATMs and it depends on what time of day you use the banking machine.
For example:

View ATM deposits online

We check every deposit made at an ATM to ensure that the total deposit typed in at the machine matches the amount actually deposited. We don't always allow clients to withdraw their entire bank machine deposits until we've checked them first.
As a result you may notice a delay for viewing items online that were deposited at ATMs. For instance:
Images of items deposited at ATMs before 6 p.m. will be available by 6 a.m. the following business day.
Images of items deposited at ATMs after 6 p.m. will be available by 6 a.m. 2 business days later.
When a single cheque is deposited at the ATM, the word "cheque" appears at the top of the kiosk window along with the number of the cheque you deposited.

If you deposit multiple cheques, the word "deposit" will appear at the top of the kiosk window. You can then select the specific cheque image you wish to view from the list of cheque numbers provided.

Print an Item

When you choose to view a transaction, you will have the option to print it. There is no additional fee to print a transaction once you have chosen to view it.
To print the image:

  1. Select the "Print" button.
  2. This will activate your personal computer's printer window. Choose the desired printer settings and select "Print".

If you are having difficulty printing the transaction, you can order a printed copy (where applicable) to be sent to you through regular mail for a $5.00 fee per copy unless this fee is included as part of your account or service package.

Important: To keep your account information safe, keep your printed copies in a safe place.

Investigate an Item

If you have a question relating to a paper-based item or would like us to investigate it further, you can send us a secure email through the Online Banking Message Centre or for certain paper-based items by selecting the "Investigate This Item" button (where applicable).

A copy of your message will be saved in the "Sent Messages" area of the Online Banking Message Centre. You can access the Online Banking Message Centre by selecting the link under "Your Communications" from the Account Balances page.

We will respond to your inquiry within 24 hours.

If your message is urgent please phone us immediately at 1-800-769-2555.

If there was a bank error in the processing of the transaction, any fees to view it will be refunded.

Order a printed copy of an item

For certain paper-based transactions, the Printed Copy service is a feature available to you once you have selected to view the transaction online. You can order a Printed Copy of a transaction to be sent to you by regular mail. There is a $5.00 fee per copy unless this fee is included as part of your account or service package.

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Request a duplicate account statement

To request a copy of your current or previous chequing or savings account statement, send us a secure message by clicking 'Go to message centre' or 'You have messages' under Your Communications on the Home page or contact customer service at 1 800 769-2511.

Going forward, you may wish to enrol for electronic documents. You will be able to view all future account statements (or “statements and notifications”) through RBC Online Banking. Electronic documents are an online version of the paper documents, such as account statements, you currently receive in the mail. Electronic documents are available in PDF format (Adobe‡ Acrobat‡ required) and allow you to view, save or print them at your convenience. You can also view digital images of cheques you have written on your account at no charge.

When you select electronic documents, at least one of your previous documents will be immediately available in Online Banking. As you continue to receive your documents online we will store them for up to 7 years.

To change your document options for your RBC Royal Bank Account:

  1. Select the Banking tab under My Accounts.
  2. Select "Account Services" from the left-hand menu.
  3. Choose “View and Manage Documents” and click on the Manage Documents tab.
  4. Choose your document options from the table.

Your account statement or other document will appear in a separate browser window. You will be notified in Online Banking when your new monthly statements are available for viewing. If you provided us with an e-mail address, a notification will also be sent to that address.

To change your e-mail address, go to "Update Profile" and select "E-mail Address & Preferences".

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Closing a personal account

You will have to visit your branch to close your account if:

You'll be able to close your account by phone at 1 800 769-2511 or by sending us a secure email - click on the 'You have messages' or 'Go to message centre' link at the top of your Online Banking Home page, if

You can expect your account to be closed within 5 business days of submitting your request to close it.

After we've closed your account, any pre-authorized payments or cheques to be deposited into or debited from your account will be returned.

There's a $15 fee for closing your account 16 to 90 days after you've opened it, unless it contains a balance that you're transferring to another RBC deposit or investment account.

Please Note: Once the account is closed, the listing will be removed from Online Banking within 30 days.

If you get electronic statements with this account, you may want to print them for your records -- you won't be able to view them through RBC Online Banking once your account is closed.

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