{ "glContent": { "lang": "en", "rbc": "RBC Royal Bank", "results_page_heading": "Find a Chequing Account", "recommended_account": "Recommended Account", "recommended": "Recommended", "main_heading": "Find a Chequing Account", "estimate_link": "Help Me Estimate This", "next_button": "Continue", "prev_button": "Back", "update_btn": "Update", "cancel_btn": "Cancel", "system_error": "Sorry! We're experiencing some technical issues. Please try again later.", "header": { "faq_link": "home/faq" }, "rewards_points_tip": "

Avion Rewards gives you the opportunity to earn more Avion points in many ways and the flexibility to redeem them for nearly endless options -- travel the world, buy merchandise and gift cards from your favourite brands, pay down bills, invest in your future and much more.

There are several ways to earn Avion points. For example, you can earn points when you make purchases with an eligible RBC bank account15 that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card. Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.

Explore Avion Rewards", "value_program_tip": "

Enrol your bank account in the Value Program and automatically start earning 1 point per $10 spent on purchases from your enrolled account with your debit card or RBC Virtual Visa Debit (maximum of 150 points/month).

Plus, earn points faster and save on monthly account fees when you have 2 or more additional eligible products and complete at least two of the following account activities on each enrolled account each month:

Learn More", "value_program_tip_results": "

If you enrol in the Value Program, you could also earn up to Avion points each month when you use your debit card or RBC Virtual Visa Debit card to make in-store or online purchases from your personal deposit account (1 point for every $). You would need to apply and be approved for any other products you indicated you wanted, if you don’t already have them.

", "overdraft_tip": "Overdraft protection is an optional feature you can add to your account, subject to credit approval. Overdraft interest charges apply if used.", "safe_deposit_tip": "A safe deposit box is an optional service that allows you to store important documents or items in a physical box in an RBC Royal Bank branch. Fees vary depending on the size of the box you select.", "credit_card_rebate_tip": "This option assumes that you intend to use the annual credit card fee rebate that comes with this account. You will need to already hold an RBC credit card or separately apply, qualify, and receive a credit card. We offer a variety of credit cards to meet your needs, some of which do not include an annual fee. If you have questions or would like to talk to an advisor, please call us at 1-800-769-25111-800-769-2511." }, "footer": { "copyright": "Royal Bank of Canada Website, © 1995-", "legal": "Legal", "accessibility": "Accessibility", "privacy": "Privacy & Security", "privacy_link": "http://www.rbc.com/privacysecurity/ca/" }, "errors": { "error": "Error:", "message_a11y": "activate to focus on error field", "error_invalid": "this field is invalid: ", "error_required": "this field is required: " }, "questions": { "q1_transaction_questions": { "q1_header": "How many purchases, withdrawals and bill payments do you make on average each month?", "q1_tip": "Tip: Exclude Interac e-Transfers, public transit transactions and transfers between RBC accounts—they’re free", "q1_a_header": "Each month, how often do you:", "q1_a_selector1": "Use your debit card", "q1_a_selector2": "Use an ATM", "q1_a_selector3": "Pay bills from your account", "q1_notice": "Introducing RBC Vantage. Every RBC bank account can unlock rewards, savings, insights and more." }, "q2_header": "How often would you use non-RBC ATMs in Canada each month?", "q3_services": { "q3_header": "Do you need any of these other products or features?", "checkbox_options": { "rbccreditcard_label": "Credit Card*You would need to apply and be approved for each of these separately.", "checkbox_note": "*Note: You would need to apply and be approved for each of these separately. ", "additionalaccts_label": "Additional Chequing Account(s)", "deposit_label": "Safe Deposit Box", "overdraft_label": "Overdraft Protection*You would need to apply and be approved for each of these separately." } }, "q4_rewards": { "q4_header_1": "Did you know that you can unlock Avion points", "q4_header_2": "and potential savings by enrolling your RBC bank account in the Value Program?", "q4_findout": "Find out how much you could earn and save by selecting products you’re interested in or already have:", "checkbox_options": { "creditcard_label": "Credit Card", "investment_label": "Personal Investment", "mortgage_label": "Residential Mortgage", "business_label": "Small Business Account", "step_3": "Added from Step 3" }, "q4_note": "Note: We only ask this question to show your potential rewards and savings. You would need to enrol your bank account and apply and be approved for these products separately if you don’t already have them." }, "q5_monthly_fee": { "q5_header": "Does one of the following apply to you?

(If yes, you could save on monthly fees.)

", "radio_options": { "isStudent": "Full-time student", "isSenior": "Senior (age 65+)", "isNewcomer": "Newcomer to Canada", "None": "None apply to me", "student_tooltip": "Select this option if you are a full-time or international student. We may require proof of student status.", "newcomer_tooltip": "Select this option if you are a newcomer to Canada who arrived within the last 5 years. You must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card when you open your account to be eligible for the Newcomer offer." }, "q5_button": "Show Me My Account" } }, "results": { "account_controls": { "q_trans_slider_heading": "How many purchases, withdrawals and bill payments do you make each month?", "q_trans_slider_desc": "", "q_atm_heading": "How often would you use non-RBC ATMs in Canada each month?", "q_services": { "header": "Do you need any of these other products or features?", "checkbox_options": { "additionalaccts_label": "Additional chequing account(s)", "deposit_label": "Safe deposit box", "overdraft_label": "Overdraft protection" } }, "q_rewards": { "header_1": "Did you know that you can unlock Avion points", "header_2": "and potential savings by enrolling your RBC bank account in the Value Program?" }, "q_radio_whoAmI": { "q5_header": "Does one of the following apply to you? (If yes, you could save on monthly fees.)" } }, "recommended_results": { "we_recommend": "Based on your selections, we recommendlegal bug1…", "you_picked": "You picked...", "edit_details": "Edit Details", "edit_your_details": "Edit Your Details", "compare_account": "Compare Accounts", "why_recommended": { "open_account_text": "Open This Account", "recommended_summary_title": "Why This Account May be Right for You", "selected_summary_title": "Account Details" } } }, "compare_accounts": { "compare_modal": { "chequing_account": "Chequing Accounts", "compare_description": "Choose 2 accounts to compare:", "recommended": "Recommended Account" } }, "built_in_perks": { "perks_heading": "RBC Vantage", "perks_desc": "Powerful benefits with any RBC bank account.", "perks_desc2": "Unlock more from your everyday banking.", "nomi_title": "Get personalized insights with NOMI", "nomi_desc": "See where you're spending money—and more.", "petro_canada_title": "Save cash on gas", "petro_canada_desc": "Save 3¢/L on gas at Petro-Canada using your linked RBC card.legal bug12", "rbc_offers_title": "Enjoy personalized offers from the brands you love", "rbc_offers_desc": "Simply load offers to an eligible RBC debit card.", "rewards_title": "Get rewarded for the things you do every day", "rewards_desc": "Now earn Avion points on purchases with any account." }, "disclaimer": { "main": "Interac e-Transfer is a registered trade-mark of Interac Inc. Used under license.", "bug_1": "Any recommendations are based on the accuracy and completeness of the information provided and are for illustrative and general information purposes only. This tool is not intended to provide specific financial, investment or other advice, and should not be relied upon in that regard. Royal Bank of Canada uses reasonable efforts to include accurate and up-to-date information in this tool, but cannot guarantee that all information is accurate, complete or current at all times. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or results in connection with the Account Selector tool. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any of the information or results, as well as any action or decision made by you in reliance on any information or results.", "bug_2": "The Value Program is a program linked to eligible RBC personal deposit accounts. It provides Monthly Fee rebates and/or Avion points based on various criteria, including a client’s RBC product holdings and account activity. In order to participate in the Value Program, you must have an eligible personal deposit account and opt in to the Program. Opting in to the Value Program for one or more personal deposit accounts may override, and disqualify your participating personal deposit account(s) from being eligible for, other RBC rebate or discount programs for which that account (or those accounts) may otherwise qualify. For complete details regarding the Value Program, please be sure to carefully review the Value Program Terms & Conditions opens in new window in conjunction with the RBC Personal Deposit Accounts Disclosures and Agreements booklet opens in new window and the Avion Rewards Terms & Conditionsopens in new window.", "bug_3": "If you are 65 years old or older, you may qualify for the Seniors Rebate, through which you may have the Monthly Fee applicable to your personal deposit account discounted or rebated on certain account types. You do not have to apply for the Seniors Rebate; it will automatically apply. Only one Monthly Fee rebate per account owner will apply. If you qualify for multiple Monthly Fee rebates, we will apply the rebate with the greatest discount. Rebate eligibility is determined on the last day of the Month (monthly cycle) applicable to your account. Please refer to the RBC Personal Deposit Accounts Disclosures and Agreements booklet opens in new window for complete details.", "bug_4": "Available only to newcomers to Canada, who arrived within the last 5 years. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. Offer applicable to select account types only: the standard Monthly Fee will be waived for the first twelve months upon account opening of an RBC Advantage Banking account or an RBC VIP Banking account. Thereafter the following standard Monthly Fee will be charged: $11.95 for the RBC Advantage Banking account or $30.00 for the RBC VIP Banking account. For the RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking or RBC VIP Banking account. Additional conditions apply. Please see complete Terms & Conditions opens in new window , and/or contact an RBC Royal Bank advisor or visit an RBC Royal Bank branch for complete details. This offer may be withdrawn at any time and is subject to change without notice.", "bug_5": "RBC Advantage Banking for students is available to any full-time student upon presentation of student identification. As a full-time student, age 13 years of age or older, you may qualify to have the standard Monthly Fee on an RBC Advantage Banking account fully waived each month for as long as you are a student, if you advise us of your student status and expected graduation date. It is your responsibility to notify us of changes to your student status and to your graduation date throughout the period that you are receiving the Monthly Fee waiver for students on the RBC Advantage Banking Account. If your RBC Advantage Banking account is owned jointly, the joint account owner who is the student must be listed as the Primary Account Owner in order to qualify for the Monthly Fee waiver for students. Based on the graduation date you provide to us, your student status will expire with us and we will begin charging you the standard Monthly Fee for the RBC Advantage Banking account thereafter.", "bug_6": "Debit Transactions in the Day to Day Banking and U.S. Personal Accounts: RBC Virtual Visa Debits, e-Transfers, 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 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.

Applicable to Day to Day Banking Accounts: In addition to above, Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge.

Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC 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.", "bug_7": "ATM - RBC ATM Access fees waived
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added 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.

ATM use outside Canada
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 bench mark 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.

ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added 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 bench mark 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.

ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.", "bug_8": "Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) 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 (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.

As a sole or joint owner of an 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 an SNL account owner. Additional cardholders (co-applicants and authorized users) 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 are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard 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. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.", "bug_9": "If you are a post-secondary student and an Account owner of an RBC AdvantageTM Banking Account for students (an “Eligible Student Bank Account”) and the primary cardholder of the RBC ION+TM Visa‡, Signature® RBC® Rewards Visa credit card, or WestJet RBC MasterCard credit card (each, an “Eligible Student Credit Card”), you may be entitled to a rebate towards the annual fee of your Eligible Student Credit Card, every year. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.

To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, you must: i) be approved for an eligible RBC Student Credit Card, ii) Open or Activate an Eligible Student Credit Card, and iii) be an Account owner of an Eligible Student Bank Account.

Responsive Table Example
Eligible Credit CardsAnnual Fee Rebate
RBC ION+TM Visa‡$4 a month ($48 annually)
Signature® RBC Rewards® Visa$39
Visa Cash Back Card$19
WestJet RBC® MasterCard‡$39
You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided for your Eligible Student Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.

As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) 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. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.", "bug_10": "RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.", "bug_11": "Overdraft Protection is an optional feature that may be added to your personal deposit account. Monthly Overdraft Protection Fee waived for VIP Banking and Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.", "bug_12": "To participate in this offer, you must have an RBC debit or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (each an “RBC Card”). RBC Business Clients will only be able to link up to two (2) Business Credit Cards and one (1) Business Debit Card to a Petro-Points card. You must be a Petro-Points member and your RBC Card and Petro-Points card and Petro-Points account must be linked in order to receive this benefit. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to two (2) business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. 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. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card. Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. For additional details and complete terms and conditions, visit www.rbcroyalbank.com/petro-canadaopens in new window", "bug_13": "Available only to newcomers to Canada who arrived within the last 5 years. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. For RBC Advantage Banking and RBC Signature No Limit Banking accounts (eligible account), up to two-year rental (offer ends December 31, 2021) of a small safe deposit box (SDB) with annual fees waived, where boxes are available. Safe deposit box fees are collected in advance in January for each calendar year. If you open, switch or are converted to an eligible account, your fees for the box will be waived in full or in part for the current year, depending on the time when the box is opened, and in full for the following year. RBC VIP Banking account holders receive one small box free for every year they maintain the account in good standing as part of the ordinary product construct; offer cannot be combined with any other safe deposit box offer. Offer is subject to change without notice.", "bug_14": "The standard Monthly Fee for the RBC Advantage Banking account is $11.95; The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; The standard Monthly Fee for the RBC VIP Banking account is $30.00; The standard Monthly Fee for the RBC Day to Day Banking account is $4.00; however, you may be eligible to receive a full or partial rebate on your account's Monthly Fee if you meet certain criteria applicable to rebates or discounts we offer, as described herein.", "bug_15": "When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.", "bug_16": "An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added 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.", "bug_17": "When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.", "bug_18": "In addition to the fee for making a Cross Border Debit, the purchase amount will be subject to foreign exchange rates at the time of the purchase. Transactions are converted to Canadian dollars at an exchange rate that is 2.5% over the Interbank Spot Rate as defined by Interac Corp.", "bug_19": "We will only apply the allowed number of free drafts against the Account where the draft purchase is made. They are not transferable. If you own more than one Account that offers free drafts, it is your responsibility to advise us at the time of purchase." }, "rebates": { "senior": "

Monthly Fee after Rebate for Seniors (age 65+)3

", "student": "

Monthly Fee for Full-Time Students (until graduation)5

", "newcomer": "

Monthly Fee for Newcomers (for 12 months)4

", "product": "

Monthly fee after Value Program Rebate*2

*You must enrol your account in the Value Program. Requires certain RBC product holdings and account activities.

Learn more about the value program opens in new window

", "monthlyfee": "Monthly Fee" } }