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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:

  • Spend over $1,600 in the U.S. annually
  • Shop for and return items in U.S. dollars
  • Want to pay off credit card purchases in U.S. dollars
  • Need easy, no-fee1,2 access to cash at U.S. ATMs

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

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

$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 Now

or

Apply at your branch

Pay 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
  • 12 debits per month; $1 per additional debit14
  • Unlimited Interac e-Transfers in Canada
  • Award-winning RBC Mobile app15

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 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

$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

Stay and Play Bundle

Perfect for Canadian travellers, snowbirds and aspiring snowbirds who:

  • Stay in the U.S. at least one month of the year
  • Need easy, no-fee1,2 access to cash at U.S. ATMs
  • Pay some bills in U.S. dollars
  • Want to earn a great rate on their U.S. dollars

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

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

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

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 Now

or

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 Now

or

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 Now

or

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 Now

or

Apply at your branch

Pay 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
  • 12 debits per month; $1 per additional debit14
  • Unlimited Interac e-Transfers in Canada
  • Award-winning RBC Mobile app15

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

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

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

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 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 Up

Move and Settle In Bundle

Perfect for Canadian snowbirds or expats working or living in the U.S. who:

  • Enjoy 3 or more months a year in the U.S.
  • Need easy, no-fee1,2 access to cash at U.S. ATMs
  • Need to pay bills in U.S. dollars
  • Make a significant number of debit transactions while
    in the U.S.
  • Want our best foreign exchange rates

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

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

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

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 Now

or

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 Now

or

Apply at your branch

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
  • 12 debits per month; $1 per additional debit14
  • Unlimited Interac e-Transfers in Canada
  • Award-winning RBC Mobile app15

Premium U.S. Bank Account with Unlimited Transactions

Premium Checking
  • Unlimited transactions
  • Preferred foreign exchange rates
  • 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

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

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 Up

Ways 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. ATM

With one of our U.S. credit cards5 in your wallet, you’ll save money on your U.S. purchases.

There’s no other bank for Canadians in the U.S. that lets you bank and borrow in all 50 states.

Apply for a U.S. credit card, loan or mortgage with us10—we’ll use your credit history from back home!

Buying 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
Buy a U.S. Property

Apply for a new mortgage by December 31st, 2020 and pay no origination fee—that’s a savings of $1,000 CAD11!

Unlock Your U.S. Equity

You may be eligible to borrow up to 80% of your home’s equity with a no-fee home equity line of credit12 or new mortgage.