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RBC Day to Day Banking

RBC Day to Day Banking

Unlimited debits and valuable features for a low fee

Monthly Fee:
$4.00

Debits Included:
12/monthly cycle + unlimited FREE debits for eligible public transit; $1.25 each thereafter / monthly cycle6,47

Open Account

Features of This Account

  • Includes 12/monthly cycle + unlimited FREE debits for eligible public transit; $1.25 each thereafter6,47
  • Unlimited Interac e-Transfers

Is It Right for You?

  • You have less than 12 transactions per month
  • You don’t use other bank ATMs or have an annual fee credit card
  • You aren’t interested in other services such as overdraft protection

Protect Yourself

RBC Virtual Visa Debit

A safe and secure way to pay for online, telephone or mail order purchases in the U.S. and internationally anywhere Visa is accepted39 and in Canada, anywhere Visa Debit is accepted with the funds debited directly from your personal deposit account41.

Over 15,000 online Canadian merchants already accept Visa Debit

Learn More

Save Even More

  • You may also qualify for a rebate1 on your monthly banking fee if you have other eligible products with RBC
  • With our Seniors Rebate, the monthly fee is FREE for eligible clients age 65 and over2

Accessing Your Accounts

Free access to RBC Online Banking, Mobile, and Telephone Banking

Convenient access to Canada's largest network of branches and ATMs

Customer service available in over 150 languages

Recordkeeping Options

Fee Information

eStatement and eNotifications including cheque images viewed online less than 90 days old

  • FREE

Monthly Paper Statement without cheque image

  • FREE

Cheque Images returned with paper statement21

  • $2.50 per month

Other Services Provided

Fee Information

Access to Online, Mobile and Telephone Banking4

  • FREE

Free Access to Online Banking4

If you're looking for the most convenient and comprehensive way to manage your day-to-day banking needs, look no further than RBC Royal Bank Online Banking. From financial calculators to a variety of convenient services including bill payments and fund transfers — you'll wonder how you ever lived without it. Even more, you'll enjoy free access with your banking account!

  • Transfer funds between accounts
  • Pay bills; even postdate payments if you choose
  • Make payments to personal loans, mortgages, credit card accounts, etc.
  • Obtain account balances and updates
  • Track previous transactions
  • Contribute to your RBC Royal Bank RRSP
  • Check current interest and foreign exchange rates
  • Apply for other RBC Royal Bank products

RBC Online Banking
Security Guarantee

We understand how important information security and privacy are to you. To provide you with greater peace of mind, we have developed the RBC Online Banking Security Guarantee. If an unauthorized transaction is conducted through your RBC Online Banking service, you will be reimbursed 100% for any resulting losses to those accounts54.

Operating Account

Fee Information

Monthly fee: $4.00

Monthly fee after Value Program Rebate1: FREE

Monthly fee after MultiProduct Rebate1: FREE

Monthly fee after Seniors Rebate2: FREE

Monthly fees after RDSP rebate42,43: FREE

Free debits per monthly cycle6,47: Includes 12/monthly cycle + unlimited FREE debits for eligible public transit; $1.25 each thereafter

Debits exceeding monthly limit: $1.25 each

Interac and PLUS System ATM network access fees3: Interac: $2.00 each, plus applicable Debit Transaction fee

  • PLUS System: $3.00 each, plus applicable Debit Transaction fee (within Canada and U.S.A)
  • PLUS System: $5.00 each, plus applicable Debit Transaction fee (outside Canada and U.S.A)

Overdraft protection5,46: $5.00 per month plus applicable Overdraft Interest

Interac e-Transfer: Unlimited

Cross-Border Debit14: $1.00 each, plus applicable Debit Transaction fee

Start Your Application

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