No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebate^{legal disclaimer 14} and the Seniors Rebate^{legal disclaimer 13} on the same account in the same month. We automatically apply to your account the highest value rebate you are eligible for each month.

If you have multiple bank accounts, you could receive a different monthly fee rebate for each account, as long as you meet the eligibility requirements to receive each of the rebates.

No, RBC Vantage isn’t a bank account—it describes all of the powerful benefits you get with any eligible RBC bank account.

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

There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank account^{legal disclaimer 15} 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.

Learn more about Avion Rewards.

If you are opening a new account, you can enrol it in the Value Program at the same time you open the account. If you open an account online, simply enrol in the Value Program when you are invited to do so.

If you already have an eligible bank account, an RBC advisor can enrol your account in the Value Program for you. Please book an appointment, call 1-800-769-2511 or visit a branch.

RBC Online and Mobile Banking^{legal disclaimer 23} maintain the highest security standards.

Every time you access your account, you’re protected with the latest security and encryption features. These, along with timed automatic logouts, ensure the safety and privacy of your personal information.

We also offer our RBC Online Banking Security Guarantee+ to protect you against unauthorized transactions.

There are some simple steps you can take to ensure the security of your information and the protection of your privacy:

• Protect your password. It's your key to accessing your accounts. Don't reveal it to anyone.
• Memorize your password. Never write it down or store it on your smartphone.
• Don’t choose passwords that include your name, telephone number, address or birthday or those of any close friend or relative.
• Never share your device passcode or leave your smartphone unattended while using the RBC Mobile app.
• Ensure that you download the app created by Royal Bank of Canada. Just to be safe, you can go to our site at www.rbcroyalbank.com/mobileapps, select your device and you will be directed to our app on the appropriate store.

Please visit our Privacy and Security page for more detailed information.

+ For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.

NOMI Find & Save is a free service that makes savings simple and effortless. It's a smart, predictive and personalized savings solution that looks for pockets of money in your cash flow to automatically save.

NOMI Find & Save will move money from your source Chequing account up to three times per week. Since NOMI Find & Save understands your transaction behaviours, it will not set aside more savings than you can afford. There is no need for you to add money directly. NOMI Find & Save finds and saves the money for you. What's more, deposit interest is calculated daily and paid monthly on the balance saved and held in your NOMI Find & Save.

In addition, NOMI Find & Save identifies upcoming cheques and pre-authorized payments in excess of your source account balance and automatically moves money into the source account to avoid fees.

To enrol, simply sign in to RBC Mobile, tap "More" and then tap "Find & Save". If you are eligible, you will be presented with the Getting Started page. You will receive push notifications alerting you every time money is saved to help balance savings and day to day banking. If push notifications for your RBC Mobile app have been disabled, they can be re-enabled at any time through device settings. Alerts will also be sent to your Alerts Inbox within the RBC Mobile app.

You can access your money in NOMI Find & Save anytime by going to your NOMI Find & Save details and selecting Transfer Money. From there you will be able to transfer any amount available in NOMI Find & Save back into any eligible chequing or savings account. You can do this from within the RBC Mobile app or through RBC Online Banking.

Both programs offer a monthly fee rebate for having an eligible RBC bank account and other eligible RBC products. However, the Value Program also gives you the ability to earn Avion points^{legal disclaimer 15} when you use your enrolled account to make in-store and online debit purchases. The Value Program also offers more ways to earn a monthly fee rebate.^{legal disclaimer 14}

If you currently have the MultiProduct Rebate^{legal disclaimer 24} on an account, but you do not complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) each month, the Value Program may not be the right fit for you.

For help deciding between the MultiProduct Rebate and the Value Program, please book an appointment with an RBC advisor. You can also call us at 1-800-769-2511 or visit a branch.

Note: MultiProduct Rebate is only available to bank accounts opened prior to the date on which the Value Program became available to the Canadian public.