Discontinued Accounts

RateLink Preference®

RateLink Preference (the “Operating Account”) allows you to select additional companion accounts, any two accounts in Canadian dollars and one in U.S. dollars (the “Companion Accounts”), with Monthly Fees waived. These accounts can be held in your name only or in your name and that of your co-account owner. PRF means that your Companion accounts are linked to RateLink Preference.

Account holders have the option of linking together the balances of their other Canadian dollar personal deposit accounts (excluding RBC High Interest eSavings), those of their spouse and RBC Leo’s Young Savers Accounts belonging to their minor children or minor grandchildren for the purpose of determining the RateLink interest rate to be applied to all their interest-bearing, linked personal deposit accounts. There is no restriction on the number of eligible accounts that can be linked to the RateLink Preference account. Canadian dollar linked accounts that are non-interest-bearing do not pay interest.

Note the U.S. Personal Account is not insured by the CDIC.

Ratelink Preference Features and Fees

  RateLink Preference
Operating Account
Eligible RateLink Preference Companion Accounts
RBC Day to Day Banking
PRF
RBC Day to Day Savings
PRF
U.S. Personal Account
PRF
Managing Your Account
Account currency Canadian Canadian Canadian U.S.
Deposit interest paid on the account Yes See RATESetter Yes See RATESetter Yes See RATESetter No
Monthly Fee $35.00 Waived Waived Waived
Number of Debit Transactions included in Monthly Fee per Monthly Cycle Unlimited Unlimited Unlimited Unlimited
Eligible for Seniors Rebate Yes
Seniors Rebate, if eligible $8.75
Monthly Fee after Seniors Rebate $26.25
Overdraft Protection, optional Overdraft Interest if used Overdraft Interest if used Overdraft Interest if used Greater of $4.00 per month or Overdraft Interest
Accessing Your Account
Interac access fee
At a non-RBC Royal Bank ATM in Canada and U.S.
Free with RateLink Preference Client Card Free with RateLink Preference Client Card Free with RateLink Preference Client Card Not available
PLUS System access fee
At a non-RBC Royal Bank ATM in Canada and U.S.
Free with RateLink Preference Client Card Free with RateLink Preference Client Card Free with RateLink Preference Client Card Not available
PLUS System access fee
At a non-RBC Royal Bank ATM outside Canada and U.S.
Free with RateLink Preference Client Card Free with RateLink Preference Client Card Free with RateLink Preference Client Card Not available
Cross-Border debit Free $1.00 each $1.00 each Not available
Interac Online Free Free Free Not available
Virtual Visa Debit, optional Free Free Free Not available
Third Party Payment Free Free Free Not available
Interac e-Transfer 2 free pee Monthly Cycle $1.00 each thereafter $1.00 each $1.00 each Not available
RBC International Remittance $13.50 each $13.50 each $13.50 each Not available
Recordkeeping Options
eStatements and eNotifications
Requires Online Banking enrolment and includes free viewing of cheque images in Online Banking
Free Free Free Free
Paper statement Free Free Free Free
Paper statement with cheque images Free Free Free Free
Braille statement Free Free Free Free
RBC Royal Bank ATM mini statement request Free with RateLink Preference Client Card Free with RateLink Preference Client Card
RBC Royal Bank ATM full statement request Free with RateLink Preference Client Card Free with RateLink Preference Client Card
Related Services
Certified cheque
When presented by the issuer (the Payor)
2 free per calendar year $15.00 each thereafter $15.00 each $15.00 each $15.00 each
Drafts, all currencies 12 free per calendar year $7.50 each thereafter Must identify yourself as a RateLink Preference Operating account owner in order to not be charged for the draft purchase.
Stop payment through Online Banking (Self-Serve) Free $10.00 each $10.00 each $10.00 each
Stop payment at an RBC Royal Bank branch or Telephone Banking with the assistance of an agent (Assisted) Free $18.00 each $18.00 each $18.00 each
Personalized cheques Free RBC Standard Style Third-party supplier fees apply Third-party supplier fees apply Third-party supplier fees apply
Over-the-counter cheques
Fee charged when the cheque clears the account
Free $2.00 each $2.00 each $2.00 each
American Express (AMEX) Travellers Cheques Free Single signature style Must identify yourself as a RateLink Preference Operating or Companion account owner in order to not be charged for the AMEX Travellers Cheques purchase
Discount on 1 safe deposit box rental $40.00 annually Not applicable
Eligible for credit card rebate
See Ratelink Preference Note on Credit Cards – Special Conditions on Rebates
Yes Not applicable

Ratelink Preference Note on Free Drafts: The RateLink Preference account entitles you to a certain number of free drafts. If you own more than one personal deposit account that gives you free drafts, only one set of free drafts related to one account will be automatically applied. To ensure that you receive all the free drafts to which you are entitled, please communicate with us at the time you purchase a draft.

Ratelink Preference Note on Credit Cards – Special Conditions on Rebates: Subject to credit approval, your choice of one of the following Eligible RateLink Credit Cards, designated by you:

The annual fees are rebated for one Eligible Ratelink Credit Card:

You are entitled to only one Eligible RateLink Credit Card with rebated fees per RateLink Preference account even if you have more than one Eligible RateLink Credit Card. If you hold more than one RateLink Preference account and only one Eligible RateLink Credit Card, only one rebate will be applied to the fees for that credit card.

If you own more than one Eligible RateLink Preference Credit Card or more than one eligible RateLink Preference account, there may be a variety of ways in which a rebate may be applied. You must ensure that the credit card discount is applied to your credit card in the way that works best for you by calling 1-800 ROYAL 1-1 (1-800-769-2511) or by visiting your branch.

For reasons of privacy and confidentiality, we will not apply this rebate to any credit card with more than one user, nor if the RateLink Preference account is jointly held. In such cases, it is your responsibility to ensure that the annual fees are rebated from any credit card by contacting us and providing the applicable consents.

Other Services with Ratelink Preference

It is your responsibility to identify yourself as a RateLink Preference Operating account owner to benefit from these services.

Services Fee
Cheques cashed or deposited that are returned unpaid for any reason (Chargeback) No fees
Post-dated cheque we hold for processing to your Ratelink Preference Operating and/or Companion accounts Free
Mail confirmation of a transaction Free
Funds transfer we make at your request Free
Certificate of account balance/loan interest paid – Bank form #1660 or personal typed letter (for tax purposes) Free
Appraisal for conventional mortgage on your primary residential home (existing properties only) 1 free processing fee
Optional: Royal Credit Line, minimum $5,000 (based on normal credit approval)
 

RateLink Essential (Regular and Sixty-Plus) and Discontinued Royal Bank Sixty-Plus Accounts

RateLink Essential account holders have the option of linking together for a nominal fee the balances of their other Canadian dollar personal deposit accounts (excluding RBC High Interest eSavings), those of their spouse and RBC Leo’s Young Savers Accounts belonging to their minor children or minor grandchildren for the purpose of determining the RateLink interest rate to be applied to all their interest-bearing, linked personal deposit accounts. There is no restriction on the number of eligible accounts that can be linked to the RateLink Essential account. Canadian dollar linked accounts that are non-interest-bearing do not pay interest. Canadian dollar interest-bearing linked accounts in will be charged $2.00 per account with the exception of RBC Leo’s Young Savers accounts.

Note the Sixty-Plus U.S. Personal Account is not insured by the CDIC.

RateLink Essential and Discontinued Royal Bank Sixty Plus Accounts Features and Services

  RateLink Essential Sixty-Plus
Regular Sixty-Plus Signature Plus Calculator Plus Royal Money Maker Plus U.S. Personal Account
Managing Your Account
Account currency Canadian Canadian Canadian Canadian Canadian U.S.
Deposit interest paid on the account Yes See RATESetter Yes See RATESetter Yes See RATESetter Yes See RATESetter Yes See RATESetter Yes See RATESetter
Monthly Fee $20.00 $15.00 Free Free Free Free
Number of Debit Transactions included in Monthly Fee per Monthly Cycle Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Eligible for Seniors Rebate Yes Not Available
Seniors Rebate, if eligible $5.00
Monthly Fee after Seniors Rebate $15.00
Overdraft Protection, optional Overdraft Interest if used Overdraft Interest if used Overdraft Interest if used Overdraft Interest if used Overdraft Interest if used Overdraft Interest if used
Accessing Your Account
Interac access fee
At a non-RBC Royal Bank ATM in Canada
$1.50 each* $1.50 each* $1.50 each* $1.50 each* $1.50 each* Not available
PLUS System access fee
At a non-RBC Royal Bank ATM in Canada and U.S.
$3.00 each* $3.00 each* $3.00 each* $3.00 each* $3.00 each* Not available
PLUS System access fee
At a non-RBC Royal Bank ATM outside Canada and U.S.
$5.00 each* $5.00 each* $5.00 each* $5.00 each* $5.00 each* Not available
Cross-Border Debit $1.00 each $1.00 each $1.00 each $1.00 each $1.00 each Not available
Interac Online Free Free Free Free Free Not available
Third-Party Payment Free Free Free Free Free Not available
Virtual Visa Debit, optional Free Free Free Free Free Not available
Interac e-Transfer $1.00 each $1.00 each $1.00 each $1.00 each $1.00 each Not available
RBC International Remittance $13.50 each $13.50 each $13.50 each $13.50 each $13.50 each Not available
Recordkeeping Options
eStatements and eNotifications
Requires Online Banking enrolment and includes free viewing of cheque images in Online Banking less than 90 days old
Free Free Free Free Free Free
Paper statement Free Free Free Free Free Free
Paper statement with cheque images Free Free Free Free Free Free
Braille statement Free Free Free Free Free Free
RBC Royal Bank ATM mini statement request Free Free $0.75 each $0.75 each $0.75 each $0.75 each
RBC Royal Bank ATM full statement request Free Free $1.50 each $1.50 each $1.50 each $1.50 each
Related Services
Cheque certification
When presented by the issuer (the Payor)
2 free per calendar year $15.00 each thereafter 2 free per calendar year $15.00 each thereafter $15.00 each $15.00 each $15.00 each $15.00 each
Drafts, all currencies 12 free per calendar year $7.50 each thereafter 12 free per calendar year $7.50 each thereafter 12 free per calendar year $7.50 each thereafter 12 free per calendar year $7.50 each thereafter 12 free per calendar year $7.50 each thereafter 12 free per calendar year $7.50 each thereafter
Stop payment through Online Banking (Self-Serve) $10.00 each $10.00 each $10.00 each $10.00 each $10.00 each $10.00 each
Stop payment at an RBC Royal Bank branch or Telephone Banking with the assistance of an agent (Assisted) $18.00 each $18.00 each $18.00 each $18.00 each $18.00 each $18.00 each
Personalized cheques Free RBC standard style Free RBC standard style Free RBC standard style Free RBC standard style Free RBC standard style Free RBC standard style
Over-the-counter cheques
Fee charged when the cheque clears the account
Free Free Free Free Free Free
American Express (AMEX) Travellers Cheques Commission free on single signature Commission free on single signature Commission free on single signature Commission free on single signature Commission free on single signature Commission free on single signature
Discount on 1 safe deposit box rental $30.00 annually $30.00 annually $5.00 annually $5.00 annually $5.00 annually $5.00 annually

*NOTE: The 4 most expensive Interac and/or PLUS System access fees used will be refunded per Monthly Cycle

Note on Free Drafts: These accounts entitle you to a certain number of free drafts. If you own more than one personal deposit account that gives you free drafts, only one set of free drafts related to one account will be automatically applied. To ensure that you receive all the free drafts to which you are entitled, please communicate with us at the time you purchase a draft.

 

Discontinued Royal Trust Accounts

Note on Alliance Plan

Canadian and U.S. dollar accounts may be combined in one Alliance Plan for the purpose of earning greater interest. Clients may also keep a separate Plan of accounts in U.S. dollars only. The U.S. dollar balance used in the calculation of interest is considered at par with Canadian dollar balances; however, the interest paid on U.S. accounts is in U.S. dollars.

Note U.S. currency accounts are not insured by the CDIC.

Discontinued Royal Trust Accounts Features and Services

  Alliance Plan Daily Interest Chequing Daily Interest Savings T-Bill Savings U.S. Daily Interest
Managing Your Account
Account currency Canadian or U.S. Canadian Canadian Canadian U.S.
Deposit interest paid on the account Yes Each interest-bearing account in the plan earns the Alliance Plan interest. See RATESetter Yes See RATESetter Yes See RATESetter Yes See RATESetter Yes See RATESetter
Monthly Fee Free Includes all accounts attached to the Alliance Plan Per item fee* Per item fee* Per item fee* Per item fee*
Number of Debit Transactions included in Monthly Fee per Monthly Cycle Unlimited Not applicable      
Minimum Balance requirement for no-charge Assisted or Electronic Self-Serve Debit Transactions * If the account average daily closing balance for the Monthly Cycle equals to or is greater than $1,200, you will not be charged the applicable Debit Transaction Fee on a per item basis. The average balance is calculated on the day before the Monthly Cycle ends.
Electronic/Self-Serve Debit Transaction fee Online Banking (including Mobile Banking), RBC ATM and Telephone Banking funds transfers without the assistance of an agent to RBC accounts in your name are free $0.50 each $1.50 each $1.50 each $0.75 each
Assisted Debit Transaction fee $1.00 each $1.50 each $1.50 each $0.75 each
Overdraft Protection, optional Greater of $4.00 per month or Overdraft Interest
Accessing Your Account
Interac access fee
At a non-RBC Royal Bank ATM in Canada
$1.50 each Not available on U.S. accounts $1.50 each $1.50 each $1.50 each Not available
PLUS System access fee
At a non-RBC Royal Bank ATM in Canada and U.S.
$3.00 each Not available on U.S. accounts $3.00 each $3.00 each $3.00 each Not available
PLUS System access fee
At a non-RBC Royal Bank ATM outside Canada and U.S.
$5.00 each Not available on U.S. accounts $5.00 each $5.00 each $5.00 each Not available
Cross-Border Debit $1.00 each Not available on U.S. accounts $1.00 each $1.00 each $1.00 each Not available
Interac Online Free Not available on U.S. accounts Free Free Free Not available
Third-Party Payment Free Not available on U.S. accounts Free Free Free Not available
Virtual Visa Debit, optional Free Not available on U.S. accounts Free Free Free Not available
Interac e-Transfer $1.00 each Not available on U.S. accounts $1.00 each $1.00 each $1.00 each Not available
RBC International Remittance $13.50 each Not available on U.S. accounts $13.50 each $13.50 each $13.50 each Not available
Recordkeeping Options
eStatements and eNotifications
Requires Online Banking enrolment and includes free viewing of cheque images in Online Banking less than 90 days old
Free Free Free Free Free
Paper statement Free Free Free Free Free
Paper statement with cheque images Free $2.00 per Monthly Cycle $2.00 per Monthly Cycle $2.00 per Monthly Cycle $2.00 per Monthly Cycle
Braille statement Free Free Free Free Free
RBC Royal Bank ATM mini statement request $0.75 each $0.75 each $0.75 each $0.75 each $0.75 each
RBC Royal Bank ATM full statement request $1.50 each $1.50 each $1.50 each $1.50 each $1.50 each
Related Account Services
Certified cheque
When presented by the issuer (the Payor)
$15.00 each $15.00 each $15.00 each $15.00 each $15.00 each
Drafts, all currencies $7.50 each $7.50 each $7.50 each $7.50 each $7.50 each
Stop payment through Online Banking (Self-Serve) $10.00 each $10.00 each $10.00 each $10.00 each $10.00 each
Stop payment at an RBC Royal Bank branch or Telephone Banking with the assistance of an agent (Assisted) $18.00 each $18.00 each $18.00 each $18.00 each $18.00 each
Personalized cheques Third-party supplier fees apply Third-party supplier fees apply Third-party supplier fees apply Third-party supplier fees apply Third-party supplier fees apply
Over-the-counter cheques
Fee charged when the cheque clears the account
$2.00 each $2.00 each $2.00 each $2.00 each $2.00 each
 

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