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 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:
$0 for the first year3
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 year13
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:
- Stay in the U.S. at least one month of the year
- Need easy, no-fee1 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 debit2
- 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 Fee4 U.S. Credit Card 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 spent5
- Apply using your Canadian credit history
Annual Fee: $04
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card 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 spent5
- Apply using your Canadian credit history
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 Savings10
- 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 year3
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 debit2
- 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 Fee4 U.S. Credit Card 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 spent5
- Apply using your Canadian credit history
Annual Fee: $04
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card 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 spent5
- Apply using your Canadian credit history
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 Savings10
- 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 year13
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:
- Enjoy 3 or more months a year in the U.S.
- Need easy, no-fee1 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
Annual Fee with eStatements: $99.50 USD
A Great Rate on Your U.S. Dollars
U.S. Preferred Money Market Savings10
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
$ 99.50 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
$ 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 Savings10
- 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 free7—between your RBC Canadian and U.S. accounts.
Get cash at over 50,000 no-fee1 ATMs across the U.S., including at Walgreens, CVS and Target.
Find a No-Fee U.S. ATMBuying Property8 South of the Border?
Get pre-approved to buy in all 50 states using your Canadian credit history — just one way we make buying in the U.S. simple and painless.
- Choose a 3- ,5-, 7- or 10-year term with a 30-year amortization14
- Reduce the one time upfront impact of foreign exchange costs with just a 20% down payment plus closing costs
- Enjoy the convenience of no payment restrictions make penalty free, lump sum payments anytime
Special offer: Save with a $0 underwriting fee on new mortgages9. Apply by October 31st, 2023.
We’re With You Each Step of the Way
See How We’re Helping Canadians Buy in the U.S.
We built RBC U.S. HomePlusTM Advantage exclusively for Canadians to provide full-service support through every step of the U.S. home buying process.
As a Canadian buying a home in the U.S., you have some unique needs and probably lots of questions. Take the guesswork out of the equation and let us be your guide.
Things our lawyers want you to knowHide Legal Disclaimers
RBC Bank, Equal Housing Lender Member FDIC.
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank - 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com(opens new window)
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.
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, 2023 to all new Eligible Personal Clients who open an RBC Day to Day Banking account, open an RBC Bank U.S. Direct Checking account, and apply for an RBC Bank U.S. Visa Signature Black or RBC Bank U.S. Visa Signature Plus credit card during the Promotional Period via in branch or Advice Centre and comply with all other terms of the offer. The RBC Day to Day Banking account 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 RBC Bank U.S. Direct Checking account monthly ($3.95 USD) or annual maintenance fee ($39.50 USD) will be waived for one (1) year from account opening of the RBC Bank U.S. Direct Checking account. Other standard account fees may apply. If you apply for the RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card will not be waived. All loans and lines of credit are subject to approval. 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.
3, 5, 7, or 10-year term refers to the period of time the interest rate is set at the beginning of the loan period which is 30 years (360 months); after the initial fixed rate term, the interest rate will adjust annually. Example: 3-Year Adjustable Rate Mortgage (ARM) calculation assumes a $250,000 loan amount, 5.625% interest rate, 6.506% APR, with 20% down payment, amortized over 360 months = $1,439.14 monthly payment. Example: 5-Year ARM calculation assumes a $250,000 loan amount, 5.750% interest rate, 6.399% APR, with 20% down payment, amortized over 360 months = $1,458.93 monthly payment. Example: 7-Year ARM calculation assumes a $250,000 loan amount, 5.875% interest rate, 6.345% APR, with 20% down payment, amortized over 360 months = $1,478.84 monthly payment. Example: 10-Year ARM calculation assumes a $250,000 loan amount, 6.000% interest rate, 6.220% APR, with 20% down payment, amortized over 360 months = $1,498.88 monthly payment. Rates and payments are subject to increase after initial fixed period of loan. If the down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the interest rate. Rates subject to increase after consummation.
Convenient, Low-Fee U.S. Bank Account

RBC Direct Checking
- 10 debits per month; $1 per additional debit
- 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 Fee3 U.S. Credit Card 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 spent4
- Apply using your Canadian credit history
Annual Fee: $03
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card 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 spent3
- 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 debit2
- 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 Fee4 U.S. Credit Card 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 spent5
- Apply using your Canadian credit history
Annual Fee: $04
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card 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 spent5
- 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: $04
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card 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 spent5
- 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: $04
Additional Card: $0
Purchase Rate: Low Introductory APR
U.S. Credit Card 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 spent5
- Apply using your Canadian credit history
Annual Fee: $75 USD
Additional Card: $0
Purchase Rate: Low Introductory APR