Consent to Receive Electronic Delivery of Statements and Notifications for Your Personal Deposit Accounts (the "Terms and Conditions")

Please take this opportunity to print the Terms and Conditions for future reference In addition, a copy of the Terms and Conditions, as amended from time to time, will be available in Online Banking under the "Legal" link at the bottom of the page.

  1. Definitions.  

    In these Terms and Conditions:
    “Message Centre” means our online communication centre located in Online Banking and where encrypted communications may be transmitted between you and us;

    “Online Banking” means our online banking service;

    "You" and "Your" means the individual requesting electronic delivery of Statements and Notifications; and

    "we", "us" and "our" mean Royal Bank of Canada if your account is with Royal Bank of Canada, Royal Bank Mortgage Corporation if your account is with Royal Bank Mortgage Corporation, Royal Trust Corporation of Canada if your account is with Royal Trust Corporation of Canada or The Royal Trust Company if you account is with The Royal Trust Company.  
  2. Consent to Receive Electronic Delivery of Statements and Notifications.  You consent to receive the following in electronic form rather than in paper form in Online Banking:
    (a) Monthly account statements related to your personal deposit account (“Statements”); and
    (b) Notices that we are required by law to send you in writing including changes to the account agreement, increases in fees and the introduction of new fees applicable to your personal deposit account (“Notifications”).   If you are converted to or switch to a new account type, Notifications include the account disclosures, agreements and any interest rate applicable to the new account type.

  3. Electronic Delivery Process. You acknowledge that:
    (a) Through links in Online Banking and links in messages sent to the Message Centre, you can access any electronic Statements that are currently in your archive of Statements.
    (b) Important information about your personal deposit account and certain Notifications may appear on the Statements themselves.  All other Notifications will be sent through the Message Centre or through links in messages sent to the Message Centre.
    (c) Your consent to electronic Statements and Notifications takes effect immediately although depending on your Statement date, you may receive one more paper Statement and/or Notification in the mail.
    (d) We will notify you when new electronic Statements and certain electronic Notifications are available by sending messages to the Message Centre or through links in messages sent to the Message Centre.
    (e) In addition to the notification in section 3(d) above, you may select to have an email sent to the personal email account you specify in Online Banking, advising you that an electronic Statement is available. If you have requested email notification, you acknowledge and agree that email is not secure or reliable, and may not be received by you in a timely manner or at all.

  4. Document Options.  For all personal deposit accounts other than the RBC High Interest eSavings® account and the RBC U.S. High Interest eSavings® account, you (the sole owner of a personal deposit account or any co-owner of a joint personal deposit account) can change the preference from electronic to paper Statements and Notifications for the account at any time by contacting any RBC Royal Bank Branch or by calling 1-800-Royal 11.  This change can also be made by clicking on the View and Manage Documents link in Online Banking

    If you (the sole owner of a personal deposit account or any co-owner of a joint personal deposit account) would like a paper copy of a Notification for your RBC High Interest eSavings account or your RBC U.S. High Interest eSavings account, you can contact us at 1-800-Royal 11. 

  5. Contact Information.  You will advise us of any changes to your contact information that you have provided in connection with Online Banking.

  6. Availability.  During the time that this account has been designated to receive electronic Statements, your electronic Statements will be available for up to 7 years as long as your account remains open and you continue to be enrolled in Online Banking. The electronic Notifications will be available in the Message Centre for up to 90 days from the date we first notify you in the Message Centre, unless deleted by you.

    It is your responsibility to retain a copy of each document by printing or saving a copy while it is available to view in Online Banking. We can provide you with a paper copy of any Statement that you have received electronically at our standard fee, if applicable.

  7. Technical Requirements. All electronic Statements and some electronic Notifications are presented as PDF files and require you to have Adobe Reader software installed on your computer. We do not own or operate, and are not responsible for, Adobe Reader software.

  8. Review your Electronic Statement. You are required to review your electronic Statement. If you think there is an error, you must contact us within 45 days from the date of your electronic Statement or we will consider our records to be correct. 

  9. Provision of Paper.  We may provide you with paper Statements and Notifications if we deem it appropriate or if we are unable to provide you with them electronically.

  10. Changes to the Terms and Conditions. We may change the Terms and Conditions, other than those terms required by law, by providing you with written or electronic notice, including by providing you with notice (i) in your electronic Statement, (ii) in the Message Centre or elsewhere in Online Banking, or (iii) sent to the email address you last provided via Online Banking or to your mailing address last appearing on our records. If you access Online Banking after the effective date of the change, it will mean that you have agreed and consented to the change.

  11. Language. You and we have expressly requested that this agreement and all related documents, including notices, be drawn up in the English language. Vous et nous avons expressément demandé que ce contrat et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise. (Quebec only / Québec seulement).