Key Benefits for Canadians Banking in the U.S.

For 17 years, RBC has been providing secure and easy U.S. banking to over 400,000 Canadians.

U.S. Bank Account
Direct Checking

A U.S.-based account giving you the freedom to bank in all 50 states from your mobile device – without the need for a U.S. address.

Annual Fee: $0 for the first year^{Legal Disclaimer 1}

Unlimited instant online exchange and transfers² between the U.S. and Canada

No more drafts and wires. Enjoy free cross-border transfers up to $25,000, between your RBC Royal Bank (Canadian) and your RBC Bank (U.S.) accounts – 24/7 with no delay^{Legal Disclaimer 2} from your computer or mobile device.

Use your RBC Bank Visa Debit card to get cash at over 50,000 no-fee ATMs⁵ in all 50 states

Stop packing a stack of cash. Visit our no-fee ATM^{Legal Disclaimer 5} locator to find one near you. It’s convenient to get cash at popular nationwide retailers like Target, Walgreens and CVS.

Send and receive money in the U.S.

With no Interac eTransfer in the U.S., it can be challenging to send money person-to-person. With a U.S. account and using your Canadian address, use your U.S. bank account to transfer funds to other U.S. accounts in Online Banking or with U.S. third party apps such as Venmo^{Legal Disclaimer ^}, Apple Cash^{Legal Disclaimer ^}, Cash App^{Legal Disclaimer ^} or PayPal^{Legal Disclaimer ^} – an option not available with a Canadian U.S. dollar account.

Pay your U.S. credit cards and other bills and deposit U.S. checks online, anywhere

With Online Banking and Bill Pay you can make your U.S. payments from your desktop or mobile device, through our website or on the RBC Mobile App^{Legal Disclaimer 10} and even deposit U.S. checks with your smartphone or tablet.

You don’t need to be a U.S. resident. We use your Canadian address to open your account.
Deposit U.S. checks using your smartphone or tablet.
10 debits per month; $1 per additional debit^{Legal Disclaimer 11}.
No minimum balance.
FDIC insured up to $250,000 per ownership category^{Legal Disclaimer 12}.

U.S. Credit Card
Visa Signature Black

A No-Annual-Fee^{Legal Disclaimer 3} U.S.-based rewards credit card that uses your Canadian credit history to qualify.

Annual Fee: $0

Introductory APR: 0% for 6 months

No foreign transaction fees⁴ on U.S. purchases

Save 2-3% on U.S. purchases by avoiding foreign transaction fees^{Legal Disclaimer 4} – and make returns in USD, without concern for currency fluctuations.

1 Avion point for every $1 spent⁶

Redeemable for travel, gift cards, merchandise, unlimited 1% cash back^{Legal Disclaimer 7}.

Redeem points for travel with any airline, any flight, any time or unlimited 1% cash back⁷

No blackout periods or seat restrictions.
Redeem points for flights and hotels.
Easily manage and redeem your points for travel through Online Banking.

Built-in insurance⁸ that protects your travels, purchases and more

Trip cancellation or interruption insurance up to $5,000
Travel accident insurance up to $500,000 and lost luggage reimbursement up to $3,000
Auto rental collision damage waiver
Cell phone insurance up to $200 ($50 deductible)
Purchase security up to $500 per occurrence
Emergency cash and card replacement

Enjoy travel perks such as signature concierge services to scheduled events and access to tickets.
You’re covered by Visa’s Zero Liability Policy^{Legal Disclaimer 13} protecting you against unauthorized use.

Get Online Cross-Border Shopping & Shipping with MyUS.com

Through our partnership with MyUS.com^{Legal Disclaimer 9}, shop U.S. retailers online tax-free and save up to 80% on shipping costs home to Canada. You'll save on your first year membership fee, set-up fee and get a 10% discount on the cost of your first shipment.

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The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians

Finding the idea of banking and getting credit in the U.S. stressful? We’re with you. We make cross-border banking easy and secure.

Easy access to cash with over 50,000 no-fee ATMs^{Legal Disclaimer 5} in all 50 states
Use your Canadian credit history, address and ID to apply
Manage your money anywhere, anytime through mobile, online and telephone banking

How we make cross-border banking easy

The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians

Finding the idea of banking and getting credit in the U.S. stressful? We’re with you. We make cross-border banking easy and secure.

Easy access to cash with over 50,000 no-fee ATMs^{Legal Disclaimer 5} in all 50 states
Use your Canadian credit history, address and ID to apply
Manage your money anywhere, anytime through mobile, online and telephone banking

How we make cross-border banking easy

Apply Online in Just 5 Minutes

It's easy and quick. You can start your no-obligation application online right now. It usually takes less than 5 minutes and you can even open your U.S. bank account immediately.

Apply by October 31, 2025 and enjoy no-annual-fee cross-border banking for 1 year^{Legal Disclaimer 1}.

Get This Bundle in 5 Minutes

100% Secure

Legal Disclaimer

RBC Bank, Equal Housing Lender

Member FDIC.

Legal Disclaimer

RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”).

Legal Disclaimer¹

Offer period is November 1, 2021 through October 31, 2025 (“Offer Period”). To qualify, client must be a new RBC Bank client, defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and apply for an RBC Bank credit card on the same business day and both accounts must be opened in the name of the Eligible Personal Client. RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply on all RBC Bank products, including funding requirements and other applicable fees. Offer cannot be combined with any other RBC Bank checking offers. Employees of Royal Bank of Canada and their affiliates do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. Only one offer per Eligible Personal Client.

Legal Disclaimer²

No foreign transaction fees or transfer fees will be charged. Foreign exchange rates apply when converting currencies Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your account transaction history until the following day but will reflect the date of transfer.

Legal Disclaimer³

All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black – 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus – Foreign transaction fee does not apply, Visa Platinum – 3.0% of the U.S. dollar amount of the transaction. Late Payment Fee – up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in The Wall Street Journal; current rate is 7.50% as of December 19, 2024.

Legal Disclaimer⁴

While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction.

Legal Disclaimer⁵

There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. To find a no-fee ATM near you visit www.rbcbank.com/atms. If you can't find a no-fee ATM nearby, you can use your RBC Bank Debit card for cash back with your purchases at many larger retail merchants such as grocery stores, or visit any U.S. ATM and request a refund of the ATM fee. Refund requests can be made by signing into online banking and sending a secure message to our online banking support team. All refunds are subject to limitations, refer to the Personal Schedule of Fees for details.

Legal Disclaimer⁶

Refer to the Avion Rewards Program Rules provided with your card for details. Avion points are not earned on balance transfers and cash advances.

Legal Disclaimer⁷

1.00% cash back from the RBC Bank Visa Signature Black/Visa Platinum Rewards credit cards and 1.25% cash back from the RBC Bank Visa Signature Black Plus credit card can only be redeemed with Avion points.

Legal Disclaimer⁸

All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Legal Disclaimer⁹

This company is not affiliated with RBC Bank and RBC Bank is not responsible for the offer provided by this company.

Legal Disclaimer¹⁰

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

Legal Disclaimer¹¹

Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.

Legal Disclaimer¹²

Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov.

Legal Disclaimer¹³

Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.

Legal Disclaimer^*

MyUS is not affiliated with RBC Bank. RBC Bank or any of its affiliates are not responsible for the offer provided by MyUS. Program details can be found at www.myus.com/welcome/rbc/.

Legal Disclaimer^{^}

This company is not affiliated with RBC Bank and RBC Bank is not responsible for the offer provided by this company.

Legal Disclaimer^†

Prime Rate: As published in The Wall Street Journal; current rate is 7.50% as of December 19, 2024.

Direct Checking	Details
Access U.S. Cash	At over 50,000 no-fee^{Legal Disclaimer 6} ATMs Large retailers offering cash-back at point of sale Other banks' ATMs (we'll reimburse the fee they charge, up to your account limit and on request^{Legal Disclaimer 6})
Pay U.S. Bills	Online, anytime – even if you're in Canada with U.S. Bill Pay. By writing a U.S. dollar check
Minimum Balance	$0; $50 USD deposit required to open the account
Monthly Debits	10/month $1 per additional debit^{Legal Disclaimer ^}
Deposit U.S. Dollar Checks	Online, anytime – even if you're in Canada and with U.S. Bill Pay. By writing a U.S. dollar check
Online Banking	Included
Mobile Banking	Included
Telephone Banking	Included
Nationwide Coverage	Yes – Bank in all 50 states
eStatements	Included
Account Alerts	Included
Cash Advances	Available at ATMs, financial institutions and participating retailers
Tap and Go	Contactless payment feature at participating merchants – simply tap your card at checkout to complete your transaction and be on your way.