Skip to main content

Royal Bank

Sign In

Royal Bank

SIGN IN

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-fee^1,² access to cash at U.S. ATMs

Are You an RBC Royal Bank Client in Canada?

Yes, of course I am
No, but I want to be

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

View Details

Annual Fee: $0 for the first year⁴

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

View Details

Annual Fee: $0⁵
Additional Card: $0
Purchase Rate: Low Introductory APR

$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

View Details

Monthly Fee: $0 for the first year¹⁶

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

View Details

Annual Fee: $0 for the
first year¹⁶

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

View Details

Annual Fee: $0⁵
Additional Card: $0
Purchase Rate: Low Introductory APR

$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-fee^1,² 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?

Yes, of course I am
No, but I want to be

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

View Details

Annual Fee: $0 for the
first year⁴

Annual Fee with eStatements: $39.50 USD

Premium U.S. Bank Account with Unlimited Transactions

Premium Checking

Unlimited transactions
Preferred foreign exchange rates
Open an account using your Canadian address

View Details

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

View Details

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

View Details

Annual Fee: $75 USD
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

View Details

Monthly Fee: $0

$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

View Details

Monthly Fee: $0 for the first year¹⁶

Monthly Fee: $4 CAD

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

View Details

Annual Fee: $0 for the first year¹⁶

Annual Fee with eStatements: $39.50 USD

Premium U.S. Bank Account with Unlimited Transactions

Premium Checking

Unlimited transactions
Preferred foreign exchange rates
Open an account using your Canadian address

View Details

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

View Details

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

View Details

Annual Fee: $75 USD
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

View Details

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 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-fee^1,² 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?

Yes, of course I am
No, but I want to be

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

View Details

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

View Details

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

View Details

Annual Fee: $75 USD
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

View Details

Monthly Fee: $0

$ 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

View Details

Monthly Fee: $4 CAD

Premium U.S. Bank Account with Unlimited Transactions

Premium Checking

Unlimited transactions
Preferred foreign exchange rates
Open an account using your Canadian address

View Details

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

View Details

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

View Details

Annual Fee: $75 USD
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

View Details

Monthly Fee: $0

$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

Link your RBC accounts and…voilà!

Sign in to online or mobile banking once to see all of your RBC Canadian and U.S. accounts.

Say so long to drafts and wires

Move up to $25,000—instantly and for free⁹—between your RBC Canadian and U.S. accounts.

Avoid packing a stack of cash

Get cash at over 50,000 no-fee^1,² ATMs across the U.S., including at Walgreens, CVS and Target.

Find a No-Fee U.S. ATM

Save on foreign transaction fees

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

Bank in all 50 states

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

Use your Canadian credit history

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 January 1^st, 2023 and pay no origination fee—that’s a savings of $1,000 CAD¹¹!

Save on a U.S. Mortgage

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.

See How We Can Help

Things our lawyers want you to knowHide Legal Disclaimers

1.

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.

2.

Reimbursement of other banks’ ATM fees upon request
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.

3.

Number of monthly debits
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

4.

Offer period is November 1^st, 2021 through October 31^st, 2022 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period. To qualify, client must open a new RBC Bank Direct Checking account and apply for an RBC Bank credit card at the same time before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. RBC Bank Direct Checking account must be funded according to the Personal Schedule of Fees. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year from account open date. All other checking account fees apply. If a client applies for a RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.

5.

All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Platinum: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. Late Payment Fee - up to $35. Returned Payment Fee - up to $35. Annual Fee Visa Signature Black Plus - $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 5.50% as of July 28, 2022.

6.

"Get a U.S. based credit card", loans, or Personal Line of Credit
All loans and lines of credit are subject to credit approval.

7.

Refer to the RBC Rewards Program Rules and Conditions provided with your credit card for details. Rewards Points are not earned on balance transfers and cash advances.

8.

Prime Rate: As published in the Wall Street Journal; current rate is 5.50% as of July 28, 2022.

9.

Free and instant fund transfers
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.

10.

Mortgages are subject to approval, including verification of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit and flood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required on mortgages. There are closing costs associated with mortgage products.

11.

RBC Bank U.S. Mortgage and HELOC Sale
To qualify for the $0 underwriting fee, a full and complete mortgage application must be submitted by January 1^st, 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.

12.

Home Equity Lines of Credit (HELOCs) are subject to approval, including verification of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit and flood insurance is required if the property is located in a Special Flood Hazard area. Equity Line and corresponding APR will be priced using a base rate of prime rate (as published in The Wall Street Journal.) Current rate is 5.50% as of July 28, 2022, plus or minus a margin disclosed at the time of application. Rates are subject to change based on changes in the Prime Rate, but will not exceed 18%. Paying the minimum payment may result in a balloon payment when the line matures. A one-time $99 underwriting fee and third-party closing costs may apply. For example, the average closing cost associated with a $100,000 home equity line of credit in Florida is $4,500. Actual third party costs may vary. Home equity lines of credit have an annual fee of $50. Home Equity Lines of credit are not offered for properties in Texas. Home Equity Lines of Credit are not available for investment properties. Home Equity Lines of Credit are not available for investment properties. An investment property is a property that is not occupied by the owner/borrower for at least two weeks per year.
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 1^st, 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.

13.

Money Market or personal savings accounts
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.

14.

Debit Transactions in the Day to Day Banking and U.S. Personal Accounts: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Retirement Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account or U.S. Personal Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.

15.

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

16.

Offer is available until 9pm EST on October 31^st, 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.