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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 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 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

$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 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 debit11
  • Unlimited Interac e-Transfers in Canada
  • Award-winning RBC Mobile app12

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

$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

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 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

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

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

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 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 debit11
  • Unlimited Interac e-Transfers in Canada
  • Award-winning RBC Mobile app12

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

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

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

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 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 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 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 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

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 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 debit11
  • Unlimited Interac e-Transfers in Canada
  • Award-winning RBC Mobile app12

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 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

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 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 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. ATM

With one of our U.S. credit cards4 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 us8—we’ll use your credit history from back home!

Buying 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.