Get More From Your Banking Account

This offer is available for select clients only. Selected clients must also be active RBC clients without an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking affiliates at the beginning of the promotional period (i.e. January 6, 2016) and otherwise comply with the terms of the offer. You will receive $300 cash when you open your first new eligible personal banking account, either an RBC VIP Banking^® (monthly fee of $30) or RBC Signature No Limit Banking^® (monthly fee of $14.95) by February 29, 2016 and complete one of the following by March 31, 2016: two Pre-Authorized Payments from the account or one Payroll Direct Deposit to the account. RBC has the right to determine what is considered payroll. To qualify you must be of the age of majority in the province or territory in which you reside on or before the start of the promotional period and a permanent resident of Canada. Clients who already have an existing RBC Personal Banking Account are not eligible. The $300 cash will be directly deposited into your new eligible banking account by April 30, 2016 if all offer conditions are met. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you.

RBC Signature No Limit Banking account includes 15 Interac^‡ e-Transfers per monthly cycle. Totals are not cumulative and, if not used, cannot be carried over into the next applicable monthly cycle or calendar year. RBC VIP Banking account includes unlimited Interac^‡ e-Transfers.

RBC will refund the Interac^‡ network access fee up to a maximum of three (3) refunds per monthly cycle, if used, for RBC Signature No Limit Banking (SNL) accounts and unlimited times for RBC VIP Banking accounts. SNL account owners may not carry over unused refunds per monthly cycle over into the next monthly cycle. ATM operator surcharge (also called a convenience fee) is not a Royal Bank fee and may be charged by other ATM operators by adding it directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the benchmark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.

RBC Canada is operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) or RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain a VIP or SNL account owner. A co-applicant of a VIP account also receives a full annual fee rebate, every year, as long as the eligible credit card remains in good standing and you remain a VIP account owner. Additional cardholders (co-applicants and authorized users) of an SNL account do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards for an SNL account owner are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC^® Rewards^® Visa^‡ and WestJet RBC MasterCard^‡ card, or 2) $35 rebate (annual fee partially rebated) for: RBC Visa Infinite^‡ Avion^®, RBC Royal Bank Visa Platinum Avion, RBC Rewards Visa Preferred, RBC Royal Bank US Dollar Visa Gold, RBC British Airways^‡ Visa Infinite, RBC Royal Bank Cathay Pacific^‡ Visa Platinum and WestJet RBC World Elite MasterCard^‡. Eligible credit cards for a VIP account owner are: RBC Visa Infinite^‡ Avion^®, RBC Royal Bank Visa Platinum Avion, RBC Rewards^® Visa Preferred, RBC Royal Bank U.S. Dollar Visa Gold, RBC British Airways^‡ Visa Infinite, Cathay Pacific^‡ Visa Platinum and WestJet RBC World Elite MasterCard^‡. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

Excludes RBC High Interest eSavings^® account.

Subject to credit approval. Partial rebate of the annual fee on the RBC Avion Visa Infinite Privilege card applies to one primary applicant and one co-applicant.