Bundle Up for Great Savings and Less Hassle
Let us introduce you to our money-saving, no-wasting-your-time cross-border banking bundles.
Shop and Get Away Bundle
Perfect for savvy Canadian cross-border shoppers, travellers and students who:
Are You an RBC Royal Bank Client in Canada?
You’re in luck—now is a great time to switch to RBC!
Great! Here's what you get in this bundle:
$0 for the first year4
Take 5 minutes and apply online for everything you need to bank in the U.S.!
Apply For This Bundle Nowor
Apply at your branchPay No Monthly Fee for Cross-Border Banking for a Year
Here’s what you get with this bundle:
(You need an RBC (Canadian) account to enjoy cross-border banking.)
Canadian Bank Account with Low Fees

RBC Day to Day Banking
$0 for the first year16
Go to any RBC branch in Canada to get everything you need to bank in the U.S.!
Visit a Branch to Sign UpStay and Play Bundle
Perfect for Canadian travellers, snowbirds and aspiring snowbirds who:
Are You an RBC Royal Bank Client in Canada?
You’re in luck—now is a great time to switch to RBC!
Great! Here's what you get in this bundle:
Convenient, Low-Fee U.S. Bank Account

RBC Direct Checking
- 10 debits per month; $1 per additional debit3
- Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
- Open an account using your Canadian address
Premium U.S. Bank Account with Unlimited Transactions

Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Open an account using your Canadian address
Annual Fee with eStatements: $99.50 USD
No Annual Fee5 U.S. Credit Card6 with Rewards

Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $05
Additional Card: $0
Purchase Rate: Low Introductory APR
A Great Rate on Your U.S. Dollars
U.S. Preferred Money Market Savings13
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
$0 for the first year4
Take 5 minutes and apply online for everything you need to bank in the U.S.!
Apply For This Bundle Nowor
Apply at your branch$99.95 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S.!
Apply For This Bundle Nowor
Apply at your branch$174.95 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S.!
Apply For This Bundle Nowor
Apply at your branch$114.50 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S.!
Apply For This Bundle Nowor
Apply at your branchPay No Monthly Fee for Cross-Border Banking for a Year
Here’s what you get with this bundle:
(You need an RBC (Canadian) account to enjoy cross-border banking.)
Canadian Bank Account with Low Fees

RBC Day to Day Banking
Convenient, Low-Fee U.S. Bank Account

RBC Direct Checking
- 10 debits per month; $1 per additional debit3
- Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
- Open an account using your Canadian address
Premium U.S. Bank Account with Unlimited Transactions

Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Open an account using your Canadian address
Annual Fee with eStatements: $99.50 USD
No Annual Fee5 U.S. Credit Card6 with Rewards

Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $05
Additional Card: $0
Purchase Rate: Low Introductory APR
A Great Rate on Your U.S. Dollars
U.S. Preferred Money Market Savings13
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
Monthly Fee: $0
$0 for the first year16
Go to any RBC branch in Canada to get everything you need to bank in the U.S.!
Visit a Branch to Sign Up$48 CAD + $99.95 USD for the first year
Go to any RBC branch in Canada to get everything you need to bank in the U.S.!
Visit a Branch to Sign Up$48 CAD + $174.95 USD for the first year
Go to any RBC branch in Canada to get everything you need to bank in the U.S.!
Visit a Branch to Sign Up$48 CAD + $114.50 USD for the first year
Go to any RBC branch in Canada to get everything you need to bank in the U.S.!
Visit a Branch to Sign UpMove and Settle In Bundle
Perfect for Canadian snowbirds or expats working or living in the U.S. who:
Are You an RBC Royal Bank Client in Canada?
You’re in luck—now is a great time to switch to RBC!
Great! Here's what you get in this bundle:
Premium U.S. Bank Account with Unlimited Transactions

Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Open an account using your Canadian address
Annual Fee with eStatements: $99.50 USD
No Annual Fee5 U.S. Credit Card6with Rewards

Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $05
Additional Card: $0
Purchase Rate: Low Introductory APR
A Great Rate on Your U.S. Dollars
U.S. Preferred Money Market Savings13
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
$ 99.95 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S.!
Apply For This Bundle Nowor
$ 174.95 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S.!
Apply For This Bundle Nowor
Here’s what you get with this bundle:
(You need an RBC (Canadian) account to enjoy cross-border banking.)
Canadian Bank Account with Low Fees

RBC Day to Day Banking
Premium U.S. Bank Account with Unlimited Transactions

Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Open an account using your Canadian address
Annual Fee with eStatements: $99.50 USD
A Great Rate on Your U.S. Dollars
U.S. Preferred Money Market Savings13
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
$48 CAD + $99.95 USD for the first year
Go to any RBC branch in Canada to get everything you need to bank in the U.S.!
Visit a Branch to Sign Up$48 CAD + $174.95 USD for the first year
Go to any RBC branch in Canada to get everything you need to bank in the U.S.!
Visit a Branch to Sign UpWays RBC Cross-Border Banking Will Impress You
Sign in to online or mobile banking once to see all of your RBC Canadian and U.S. accounts.
Move up to $25,000—instantly and for free9—between your RBC Canadian and U.S. accounts.
Get cash at over 50,000 no-fee1,2 ATMs across the U.S., including at Walgreens, CVS and Target.
Find a No-Fee U.S. ATMBuying Property10 South of the Border?
We make financing a U.S. vacation home or investment property simple and painless.
- Buy or refinance property in all 50 states
- Use your Canadian credit history and RBC relationship to qualify
- Get expert help navigating the U.S. mortgage process from start to finish
- Spread out your foreign exchange costs versus paying it all upfront
Things our lawyers want you to knowHide Legal Disclaimers
No-fee ATM access
There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees for details.
For accounts opened on or before October 31, 2021 - Refunded fees: Up to 2 fees per cycle for Direct Checking and Royal Embassy Checking account holders and up to 4 fees per cycle for Premium Checking and Preferred Checking account holders; upon client request.
Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name
All loans and lines of credit are subject to credit approval.
Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank account transaction history until the following day but will reflect the date of transfer.
To qualify for the $0 underwriting fee, a full and complete mortgage application must be submitted by January 1st, 2023. Mortgages must fund within 120 days of the application date. Offer may be withdrawn or changed at any time without notice. Offer is only available to the following clients: new RBC Bank mortgage/Home Equity Line of Credit (1st or 2nd homes), Investment Properties, and Refinance on a property that is owned free and clear. Additional bank fees and third party fees apply and are paid separately. Mortgage and HELOC offer may be combined: if a client closes on an eligible mortgage and also opens a second lien HELOC with RBC Bank, both products will have a $0 underwriting fee. That’s a savings of $924 USD (or over $1,200 CAD). May not be combined with any other special offers.
Offer period is 01/01/20 through 01/01/23 and may be withdrawn or changed at any time without notice. To qualify, a full and complete RBC Bank Home Equity Line of Credit application must be submitted by January 1st, 2023 and fund within 120 days of the application date. Eligibility is subject to RBC Bank Lending Guidelines and additional terms and conditions apply. An RBC Bank Premium Checking account is required. Offer is available for loan amounts between $25,000 and $750,000. The actual amount you can borrow may vary based on factors such as credit history, property type, occupancy, lien position and loan to value amount. RBC Bank agrees to pay certain usual and customary closing costs and fees associated with issuing a Home Equity Line of Credit ("HELOC"). These costs typically include: origination fee, appraisal fee, credit report fee, title search and title insurance costs, flood determination costs, and filing fees . Escrow or prepaid requirements are not covered by RBC Bank, and include items such as Homeowner Association Dues, property taxes, property insurance, flood insurance and mortgage interest. Based on your loan scenario, certain taxes (such as transfer tax, doc stamps, intangible tax, recording tax, mortgage tax or other taxes) may apply and you will not be eligible for this offer. However, you may be eligible for one of our other HELOC programs. If you close your Home Equity Line of Credit within 24 months of opening the account, you will be required to pay all of the costs that were paid by RBC Bank in connection with the opening and issuance of the account. This is in addition to any outstanding balance that may exist on the loan. For eligible clients, RBC Bank will waive the annual fee for the Premium Checking account and HELOC as long as both remain open and in good standing. If you close your HELOC at any time, the annual Premium Checking account fee of $99.50 will begin to apply.
Federal regulations and the Personal Services Agreement limit the number of the following types of withdrawals and transfers from a savings or money market account to a total of six (6) each monthly statement period: automatic or pre-authorized transfers, telephone transfers, Online and Mobile Banking transfers or payments or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you repeatedly exceed the limit, we may close or convert your savings or money market account to a different account type. An RBC Bank checking account is required to open a Preferred Money Market Savings account or a Personal Savings account.
RBC Royal Bank received the highest score in the 2017-2018 Canadian Banking App Satisfaction Studies and among Big Five Retail Banks in the 2016-2018 Canadian Retail Banking Satisfaction Studies of customers’ satisfaction. Visit jdpower.com/awards
Offer is available until 9pm EST on October 31st, 2022 to all new Eligible Personal Clients who open an RBC Bank U.S. Direct Checking Account, open an RBC Day to Day Banking account and apply for an RBC Bank U.S. credit card during the Promotional Period via in branch or Advice Centre and comply with all other terms of the offer. The monthly fee of $4 will be waived for the first twelve (12) months upon account opening of the RBC Day to Day Banking account, and the monthly ($3.95 USD) or annual fee ($39.50 USD) will be waived for one (1) year from account opening of the RBC Bank U.S. Direct Checking account. The RBC Bank Visa Signature Black Plus credit card is not eligible for an annual fee waiver under this offer. Only one offer per Eligible Personal Client. For complete offer details, including defined terms, please visit http://www.rbcroyalbank.com/dms/cross-border-banking/_assets-custom/includes/terms-and-conditions.html.
Convenient, Low-Fee U.S. Bank Account

RBC Direct Checking
- 10 debits per month; $1 per additional debit3
- Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
- Open an account using your Canadian address
No Annual Fee5 U.S. Credit Card6 with Rewards

Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $05
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card6 with Accelerated Rewards

Visa Signature Black Plus
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1.5 RBC Rewards points per $1 spent7
- Apply using your Canadian credit history
Annual Fee: $75 USD
Additional Card: $0
Purchase Rate: Low Introductory APR
Convenient, Low-Fee U.S. Bank Account

RBC Direct Checking
- 10 debits per month; $1 per additional debit3
- Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
- Open an account using your Canadian address
No Annual Fee5 U.S. Credit Card6 with Rewards

Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $05
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card6 with Accelerated Rewards

Visa Signature Black Plus
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1.5 RBC Rewards points per $1 spent7
- Apply using your Canadian credit history
Annual Fee: $75 USD
Additional Card: $0
Purchase Rate: Low Introductory APR
No Annual Fee5 U.S. Credit Card6 with Rewards

Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $05
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card6 with Accelerated Rewards

Visa Signature Black Plus
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1.5 RBC Rewards points per $1 spent7
- Apply using your Canadian credit history
Annual Fee: $75 USD
Additional Card: $0
Purchase Rate: Low Introductory APR
No Annual Fee5 U.S. Credit Card6 with Rewards

Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $05
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card6 with Accelerated Rewards

Visa Signature Black Plus
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1.5 RBC Rewards point for every $1 spent7
- Apply using your Canadian credit history
Annual Fee: $75 USD
Additional Card: $0
Purchase Rate: Low Introductory APR