RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts

effective June 1, 2017

Introduction

This booklet called the “RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts” (the “Booklet”) provides the details about our Personal Deposit Accounts, related products and services, our “Personal Deposit Account Client Agreement” and our “Client Card and Personal Identification Number Agreement”.

If you have any questions or concerns, you may always reach us:

Our Personal Deposit Accounts are offered by Royal Bank of Canada, Royal Bank Mortgage Corporation and Royal Trust Corporation of Canada (in Quebec, The Royal Trust Company).

Terms You Need to Know

 

A. PERSONAL DEPOSIT ACCOUNTS FEATURES, SERVICES AND FEES

  1. Your Account Options
    RBC VIP Banking
    Banking Accounts
    Savings Accounts
    Youth and Student Banking Accounts
  2. Managing Your Account
    Deposit Interest
    Service Fees
    Monthly Fee
    Debit Transactions
    MultiProduct Rebate
    Seniors Rebate
    Overdraft Protection
    Account Switches and Conversions
  3. Accessing Your Account
    RBC Royal Bank Client Card
    RBC Royal Bank Branches and RBC Royal Bank Automated
    Teller Machines (ATMs)
    Non-RBC Royal Bank ATMs
    Interac Debit including Interac Flash
    Cross Border Debit
    Interac Online
    RBC Virtual Visa Debit
    RBC Royal Bank Telephone Banking
    RBC Royal Bank Online Banking
    RBC Royal Bank Mobile Banking
    Third-Party Payment
    Interac e-Transfer
    RBC International Money Transfer
  4. Recordkeeping Options
  5. Related Services
    Other Services
    Inactive Accounts
  6. Automatic Linking and Privacy Rules
    RBC VIP Banking
    RBC Signature No Limit Banking
    Student Banking Accounts

B. PERSONAL DEPOSIT ACCOUNT CLIENT AGREEMENT

C. CLIENT CARD AND PERSONAL IDENTIFICATION NUMBER AGREEMENT