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2026 North America’s Best Bank
Awarded by Euromoney
Learn More about RBC’s Euromoney award (opens in a new window)
Bank The Way You Want
For businesses that prefer to bank both digitally and in-branch, this account package offers the choice and flexibility to bank on your terms, all for a low monthly fee.
$7 monthly fee1
Bank the way you want
For businesses that prefer to bank both digitally and in-branch, this account package offers the choice and flexibility to bank on your terms, all for a low monthly fee.
$7 monthly fee1
Save Money with the RBC Flex Choice Business Account Package
Lower transaction fees
Save 40% on transactions made through RBC Online Banking, the RBC Mobile2 app and RBC ATMs3.
Preferred pricing
Receive preferred pricing on cash deposits made at the RBC ATM or through the Night and Day Deposit Service4.
Only pay for what you use
With no minimum or maximum transaction limits, you’ll only pay for the transactions you make plus a low monthly fee.
Is This Account Right For Your Business?
It might be the perfect fit for you if:
- You have 5 to 75 paper transactions per month
- You want to keep your fixed monthly fee low and only pay for what you use
- You need the flexibility to bank both digitally and in-branch
Extra Benefits
Instant Fuel Savings at Petro-Canada
Instant Fuel Savings at Petro-Canada: Link your card and instantly save 3¢/L on fuel5 and always earn 20% more Petro-Points9 at Petro-Canada locations when you pay with your linked RBC card.
Offers and services beyond banking
As an RBC business client, you get exclusive access to offers and support from a wide range of services to help your business thrive.
Offers
Receive personalized offers, bonus Avion points, and cash savings from great brands for your business.
Fee Details
Fee Details
| Monthly Fee: $7.007 | ||
| Services | Fees | |
|---|---|---|
| Items deposited8 | Unlimited | |
| Moneris deposits | Unlimited | |
| Services | Fees | |
| Electronic deposits | $0.75 each | |
| Paper transactions | $1.25 each | |
| Send Interac e-Transfer | $1.50 each | |
| Cash deposits | $2.50 per $1,000 (branch) $2.25 per $1,000 (ATM) $2.25 per $1,000 (Night and Day) |
|
| Services | Fees | |
| Electronic | No charge | |
| Paper statement without images | $4.00 | |
| Paper statement with images | $5.00 | |
How to Open This Business Bank Account
How to Open This Business Bank Account
Start the application online or call 1-800-769-2520.
Once your application is completed, you’ll be asked to visit a branch to verify your documentation.
Your account is all set up and ready to use.
Ways to Bank
RBC Online Banking
- Pay employees and vendors
- Pay your taxes online
- Request payments from clients
RBC Mobile app
Payments
- Pay bills 24/7
- Request payments from clients
- Send Interac e-Transfer transactions
RBC Mobile app
Cash Flow
Track business spending with NOMI, and gain insights to make informed financial decisions.
RBC Mobile app
Business Performance
See your financial position at a glance with Financial Snapshot.
RBC Mobile app
Day-to-Day
Check your balance, deposit a cheque, move money – anytime.
Download the App Today
Or text “RBC” to 722722 and we’ll send you the link.
Standard message rates may apply.
Why Choose RBC for Your Business?
Best SME Bank, Canada
Global Finance World’s Best SME Bank Awards 2026
Learn More about RBC’s Global Finance award (opens in a new window)
As featured in ratehub.ca (opens in a new window). Best business chequing accounts
Editorial ranking
Largest Branch and ATM Network in Canada
With more than 1,200 branches and 4,000+ ATMs
Learn More about RBC branches and ATMsCurated Tools and Resources
Robust support to help owners thrive and grow
Learn More about RBC business advice20+ Trusted Providers
Access partners, products and services across a range of sectors
Learn More about RBC Beyond Banking providersReady to Get Started?
Call our 24/7 Business Helpline
1-800-769-2520
View Legal DisclaimersHide Legal Disclaimers
1
Standard fees and charges apply for services and transactions exceeding the
number included in the account package.
2
RBC Mobile is offered by Royal Bank of Canada, RBC Direct Investing Inc. and RBC
Dominion Securities Inc.
3
Savings accrue from lower standard processing fees charged on electronic (vs.
paper) transactions such as online bill payments, pre-authorized payments (PAPs)
and point of sale (POS) transactions. Standard fees apply for other services,
including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV),
Interac e-Transfer transactions and wire transfers not expressly included in the
package when completed online.
4
The Night and Day Deposit service may not be available in all areas. Fees and
charges may vary based on location. Other fees and charges may apply.
5
Includes the standard fees for posting electronic debit or credit transactions
to the account and excludes any other services and transactions such as Interac
e-Transfer transactions, Pay Employees & Vendors (PEV), cheques and cash
deposited at RBC ATMs for which standard fees and charges apply.d. You must be
enrolled in RBC Online Banking or RBC Mobile app in order to link your RBC Card
to your Petro-Points card. Card linking may take up to 2 business days to
process before savings and bonus points can be applied to purchases (“Linked RBC
Card”). Your Linked RBC Card acts as your Petro-Points card. You will
automatically earn Petro-Points when you pay for qualifying purchases with your
Linked RBC card at Petro-Canada Locations and you do not need to swipe your
Petro-Points card before you pay. Each time you use your Linked RBC Card to
purchase any grade of gasoline, including diesel, at a retail Petro-Canada
location, you will save three cents ($0.03) per litre at the time of the
transaction
7
Standard fees and charges apply for services and transactions exceeding the
number included in the account package.
8
Standard fee of $0.22 per item deposited (such as cheques and drafts) via an RBC
Branch, RBC ATM, RBC Mobile Cheque Deposit or Night and Day Deposit does not
apply to this account package. Fees relating to processing an electronic credit
or paper deposit to the account still apply, unless otherwise included.
9
Each time you use your linked Eligible RBC Card to pay for qualifying purchases
at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%)
more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and
Conditions .
