Gain Confidence for Yourself
and Your Clinic
Simplify your day-to-day and feel good about your financial future, with advice and solutions that
are designed around your unique needs.
Borrow Money to Grow or Improve Your Clinic
Access the business financing you need to hire staff, acquire medical and office equipment, or upgrade your scheduling and billing software.
Save with a special rate of Prime minus 0.25% on an operating line of credit or term loan with RBC Healthcare Advantage Pro.2
Reach Your Personal and Business Goals
Benefit from custom strategies and a comprehensive financial plan that’s designed around your specific needs as a clinic owner.
- Explore opportunities for your clinic, such as leasing vs buying property
- Choose the right compensation model and other tax strategies
- Grow and protect your wealth through retirement and estate planning3
Save Money on Solutions for Your Clinic
Whether you need data-driven insights to help inform your business decisions or want to upgrade your clinic management software, you can save time and money through a range of special offers with RBC Healthcare Advantage Pro.2
BUNDLE & SAVE
Unlock Exclusive Savings and
Preferred Borrowing Rates
Enjoy exclusive savings on your personal and business banking and financing with RBC Healthcare Advantage Pro.
$175 Savings on a Premium Business Card
RBC Avion Infinite Business Card8 one-time annual fee rebate
Borrow for Your Business at Prime minus 0.25%
Preferred rates on an operating line of credit or term loan1
Get Help Managing and
Growing Your Medical Clinic
Explore offers from RBC and our partners to help you simplify your billing, scheduling and more.
$150 billing credit
Streamline Medical Billing Across Your Entire Team
RBC clients enjoy exclusive offers. Talk to a Dr.Bill consultant to learn more about our billing solutions.
20% Discount
Get Patients and Staff to the Right Place
Get a 20% discount on the monthly subscription fee.9 Offer ends December 31, 2024.
15% Discount
Simplifying Your Billing in Quebec
Get a 15% discount on the monthly subscription fee.10 Offer ends October 10, 2024.
Get Advice and Solutions
to Help Simplify Life and Business
Meet with one of our 1,300+ RBC Healthcare Specialists across Canada.
Access insights from advisors who understand the healthcare industry
Benefit from a wide range of personal and clinic solutions
Receive holistic advice on your broader financial needs
RBC Healthcare Specialist
You can also call our support line at: 1-833-395-8118
Legal Disclaimer1)
Prime minus 0.25% offer is only available to Healthcare Advantage Pro plan members. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The rate applying to an RBC Business Term Loan or Royal Business Operating Line will change based on changes to the Prime Rate. The RBC Business Term Loan and Royal Business Operating Line of Credit is provided by Royal Bank of Canada and is subject to its standard lending criteria. The offer may be changed, withdrawn or extended at any time, without notice. On , the Royal Bank Prime Rate was . Not available in combination with any other rate discounts, offers or promotions.
Legal Disclaimer2)
RBC Healthcare Advantage Pro Plan: Eligible healthcare professionals can join the RBC Healthcare Advantage Pro Plan by having: i) an RBC VIP Banking account, ii) an RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, or RBC British Airways Visa Infinite credit card, either as a primary applicant or a co-applicant, and iii) either an RBC business deposit account and an eligible RBC business credit card (i.e. Avion Visa Business, RBC Avion Visa Infinite Business, RBC Commercial Avion Visa, RBC Commercial Cash Back Visa, RBC Commercial Visa, RBC Commercial U.S. Dollar Visa), or a minimum of $25,000 in assets invested within any RBC investment product (such as mutual funds or GICs) or any account held at any of the following separate corporate entities affiliated with RBC: RBC Dominion Securities Inc., RBC Direct Investing Inc., RBC InvestEase Inc., RBC PH&N Investment Counsel Inc.,at all times during their membership.
Legal Disclaimer3)
Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.
Legal Disclaimer4)
A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.
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.
Legal Disclaimer5)
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 British Airways Visa Infinite and WestJet RBC World Elite Mastercard.
Legal Disclaimer6)
Prime minus 0.25% offer is available to Plan members. RBC Homeline Plan rate is an annual rate and is based on our Prime Rate minus 0.250%. To view the current RBC Prime Rate, please go to www.rbcroyalbank.com/rates/prime.html(opens new window). Interest rate will change as our prime rate changes and without notice. On , the Royal Bank Prime Rate was . This offer is only available to clients approved for a line of credit under the RBC Homeline Plan and does not apply to any other credit line product offered by Royal Bank of Canada including but not limited to a credit line secured by real property that is not part of an RBC Homeline Plan. To benefit from the Prime Rate minus 0.25%, your mortgage must remain in good standing.
Legal Disclaimer7)
Monthly fee for the RBC Digital Choice Banking account will be rebated for the duration client is a member of the Plan. The fee rebate will be posted to your account within 10 business days following the posting of the fee to your account. This offer shall not be combined with any other business banking account offer or promotion. The monthly fee for the RBC Digital Choice Banking account is $6 and will be applied after once a client in no longer a Plan member. Only one fee rebate per client, no matter how many RBC Business Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee rebate, all your accounts with us must remain in good standing during the fee rebate period, and you must be a Healthcare Advantage Plan member. We reserve the right, in our sole discretion, to revoke this offer to any person we believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. Other conditions may apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.
Legal Disclaimer8)
To receive the annual fee rebate, you must be a Healthcare Advantage Pro Plan member and your application form must be received by January 31, 2025 and approved by us. The annual fee rebate for one year is only offered to the first Primary Business Cardholder on the account; additional business owner(s) Cardholder(s) are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
Legal Disclaimer9)
Discount of 20% off the Chime Work Flow Management Product monthly subscription fee available until December 31, 2024 to RBC Healthcare Advantage Plan members. The discount will be honoured for a minimum of 12 months from the date of subscription, at the sole option of Chime. No discount will be applied on the Provider’s one-time fixed or up-front fees, including hardware and installation costs. Chime Technology Inc. not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. For further details on Chime services, visit www.chimeclinic.com (Opens link in new window).
Legal Disclaimer10)
Available only to RBC Healthcare Advantage plan members who are located in Quebec, Canada who do not have an existing account with Facturation.net prior to July 1, 2021. When you sign up with Facturation.net for the first time, you will receive a 15% discount off the monthly subscription fee of the Elite billing plan (regularly $200/month per physician). The discount will be honoured for a minimum of 12 months from the date of subscription, and may be extended at the sole option of Facturation.net. Offer expires October 10, 2024. Facturation.net, not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. Offer may be amended or withdrawn at any time. For further details, visit www.facturation.net (Opens link in new window).
RBC Homeline Plan
Finance important goals, improve your cash flow and save money. The RBC Homeline Plan combines an RBC mortgage and Royal Credit Line into one product that allows you to access the equity you have in your home.
Top Benefits
-
Low Interest Rate
Borrow at Prime - 0.25%1 with RBC Healthcare Advantage or RBC Healthcare Advantage Pro
-
Credit Grows with Your Equity
Borrow up to 80% of the value of your home—your credit grows as you pay down your mortgage
-
Apply Once, Borrow Again
Access credit when you need it—apply once and borrow without needing to reapply
Key Features
- Use your home’s equity for home improvements, education, debt consolidation or emergency readiness
- Only pay for the credit you use on your Royal Credit Line
- Easily access your credit through RBC Online Banking, the RBC Mobile2 app, RBC ATMs, branches or via cheque
- Choose to make interest-only monthly payments3 or pay off your balance in part or in full at any time
Legal Disclaimer1)
Prime–0.25% offer is available to Plan members. RBC Homeline Plan rate is an annual rate and is based on our Prime Rate - 0.250%. To view the current RBC Prime Rate, please go to www.rbcroyalbank.com/rates/prime.html(opens new window). Interest rate will change as our prime rate changes and without notice. On July 13, 2023, the Royal Bank Prime
Rate was 7.200%. This offer is only available to clients approved for a line of credit under the RBC Homeline Plan and does not apply to any other credit line product offered by Royal Bank of Canada including but not limited to a credit line secured by real property that is not part of an RBC Homeline Plan. To benefit from the Prime Rate – 0.25%, your mortgage must remain in good
standing.
Legal Disclaimer2)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Legal Disclaimer3)
The minimum payment is the accrued interest, service fees and any other charges that apply for that period, including your LoanProtector insurance premium and taxes, if applicable.
RBC VIP Banking Account
The most valuable features we offer in a single account.
This all-inclusive bank account is designed to simplify your everyday banking. And, if you’re an RBC Healthcare Advantage or RBC Healthcare Advantage Pro customer, we’ll waive the $30 monthly fee1,2.
Top Benefits
-
Low Interest Rate
Unlimited debit transactions worldwide3
Other Key Features
- Up to $120 rebate on the annual fee of an eligible premium credit card9
- No minimum balance required
- Overdraft protection fee waived10
- Choice of up to two additional Canadian and one U.S. personal account with monthly fees waived11
Legal Disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer1)
The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day.
Legal Disclaimer2)
A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.
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.
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.
Legal Disclaimer3)
On operating account only. $1 per cross border debit transaction on companion accounts. Not available on U.S. Personal Account. Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Interac Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
Legal Disclaimer4)
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.
Legal Disclaimer5)
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.
Legal Disclaimer6)
With an RBC VIP Banking Client Card.
Legal Disclaimer7)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Legal Disclaimer8)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
Legal Disclaimer9)
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 ION+TM Visa ($4 applied monthly), RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.
Legal Disclaimer10)
Subject to credit approval. Overdraft Interest applies if used.
Legal Disclaimer11)
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 and unlimited debit transactions. 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.
RBC Credit Cards Eligible for Annual Fee Rebate
If you have an RBC VIP Banking account and one of the eligible credit cards below, you will receive either a partial or full rebate on the card’s annual fee each year—saving you up to $120/year!1.
Receive a partial rebate of $120 on the annual fee for the primary cardholder and $50 for the co-applicant for:
- RBC Avion Visa Infinite Privilege card
Receive a full rebate on the annual fee 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 British Airways Visa Infinite
- WestJet RBC World Elite Mastercard
Legal Disclaimer1)
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 British Airways Visa Infinite and WestJet RBC World Elite Mastercard.
Royal Business Operating Line of Credit
Supplement your cash flow with a business line of credit that gives you access to the funds you need, when you need them.
Top Benefits
-
Low Interest Rate
Borrow at Prime minus 0.25%1 as an RBC Healthcare Advantage Pro customer.
-
Flexibility
Credit lines start at $10,000 and give you the flexibility to borrow only what you need.
-
Automatic Fund Transfers
Cover shortfalls and pay down your credit line without having to think about it.
Other Key Features
- Choose from two ways to transfer funds between your Royal Business OperatingLine and your everyday RBC operating account.
- Access funds anytime through ATMs, Online Banking for Business, the RBC Mobile app or in branch.2
Legal Disclaimer1)
Prime minus 0.25% offer is only available to Healthcare Advantage Pro plan members. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The rate applying to an RBC Business Term Loan or Royal Business Operating Line will change based on changes to the Prime Rate. The RBC Business Term Loan and Royal Business Operating Line of Credit is provided by Royal Bank of Canada and is subject to its standard lending criteria. The offer may be changed, withdrawn or extended at any time, without notice. On July 13, 2023, the Royal Bank Prime Rate was 7.200%. Not available in combination with any other rate discounts, offers or promotions.
Legal Disclaimer2)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Online Banking is operated by Royal Bank of Canada.
Business Term Loans
Whether you want to acquire new equipment, expand your inventory or open in new locations, a term loan can help you achieve the big goals you have for your practice.
Top Benefits
-
Low Interest Rate
Borrow at Prime minus 0.25%1 as an RBC Healthcare Advantage Pro customer.
-
Flexibility
Variable rate loans start at $5,000.
-
Prepay without Penalty
Make partial or full prepayment at any time.
Other Key Features
- Can be used to purchase or renovate property, upgrade medical or dental equipment or refinance existing debt.
- Typically secured for a term up to seven years but not exceeding the useful life of what is being financed.
Legal Disclaimer1)
Prime minus 0.25% offer is only available to Healthcare Advantage Pro plan members. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The rate applying to an RBC Business Term Loan or Royal Business Operating Line will change based on changes to the Prime Rate. The RBC Business Term Loan and Royal Business Operating Line of Credit is provided by Royal Bank of Canada and is subject to its standard lending criteria. The offer may be changed, withdrawn or extended at any time, without notice. On July 13, 2023, the Royal Bank Prime Rate was 7.200%. Not available in combination with any other rate discounts, offers or promotions.
RBC Avion Visa Infinite Business Card
Make the most of your business spending by earning Avion points faster on all of your business purchases. And, if you’re an RBC Healthcare Advantage Pro customer, you’ll get a one-time annual fee rebate of $1751 plus 35,000 welcome Avion points when you're approved for the card.2
Top Benefits
-
Premium Travel Benefits
Enjoy access to 1,300+ airport lounges worldwide, plus valuable airport dining and spa offers.4
-
Powerful Reporting Tools and Card Controls
Streamline your business expense tracking.
Other Key Features
- Includes expense management tools and employee card controls to simplify your business operations.
- View customized reports, card transaction data and photos of your paper receipts with Visa Spend Clarity for Business.
Legal Disclaimer1)
To be exempt from the annual fee rebate for the first year, you must be a RBC Healthcare Pro Plan member and your application form must be received by January 31, 2025 and approved by us. The annual fee rebate for one year is only offered to the first Primary Business Cardholder on the account; additional Business owner(s) Cardholder(s) are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
Legal Disclaimer2)
To receive the 35,000 welcome Avion points (“welcome points”), your application must be approved by us. Upon enrolment, the Welcome points will appear on your first credit card statement after your application has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders, as well as former RBC Avion Visa Business cardholders, applying for or transferring to the RBC Avion Visa Infinite Business credit card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.
Legal Disclaimer3)
You will earn: (i) 1.25 Avion point per $1 in net purchases you make with your card, up to a maximum of $75 000 in net purchases per Annual Period, and (ii) 1 Avion point per $1 in net purchases you make with your card in excess of $75 000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don't necessarily align with the beginning and end of a calendar month. Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit: www.avionrewards.com/terms-and-conditions/(opens link in new window)
Legal Disclaimer4)
Primary cardholders with an RBC Avion Visa Infinite Business credit card (“Eligible Credit Card”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. (“DragonPass”) Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using their Eligible Credit Card. Upon enrollment, Cardholders and their guests can access participating lounges by paying a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Visa and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Visa and RBC’s own privacy policies. Other terms and conditions apply. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor RBC is responsible for any claims or damages arising from participation in the Program. Visa reserves the right to modify or cancel this Program at any time and without prior notice. For Full terms and conditions, visit https://en.dragonpass.com.cn/info/termsofservice(opens link in new window)
Legal Disclaimer5)
All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com (Opens link in new window) or call 1-800 ROYAL® 1-2 (1-800-769-2512).
Legal Disclaimer6)
Payback with Points redemptions will be applied as a payment towards the balance of the Avion Rewards credit card account you select, not towards a particular transaction. Also, Payback with Points redemptions cannot be converted into cash, a cheque or any other form. It will take two (2) to three (3) business days for your payment to be credited to your credit card account and for your available credit to be adjusted. For more details, visit the Avion Rewards terms and conditions at: www.avionrewards.com (Opens link in new window).
Legal Disclaimer7)
All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.
Legal Disclaimer8)
Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
RBC Digital Choice Business Account Package
Save time and money if you do most of your banking online or on your phone and gain access to features that can help you manage your practice. And, if you’re an RBC Healthcare Advantage Pro customer, we’ll waive the $6 monthly fee1,2.
Top Benefits
- Unlimited Electronic Debits and Credits3
- Unlimited Electronic Cheque Deposits4
- Unlimited Moneris‡ Credit and Debit Card Deposits
Other Key Features
- Link your eligible RBC business cards5 to your Petro-Canada± card and instantly save 3¢/L on gas at Petro-Canada locations.
- Access special offers and support from a wide range of partners and services that can help you run your business.
- Save money and earn Avion points faster with offers customized to your business.
Legal Disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer1)
Standard fees and charges apply for services and transactions exceeding the number included in the account package.
Legal Disclaimer2)
Monthly fee for the RBC Digital Choice Banking account will be rebated for the duration client is a member of the Plan. The fee rebate will be posted to your account within 10 business days following the posting of the fee to your account. This offer shall not be combined with any other business banking account offer or promotion. The monthly fee for the RBC Digital Choice Banking account is $6 and will be applied after once a client in no longer a Plan member. Only one fee rebate per client, no matter how many RBC Business Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee rebate, all your accounts with us must remain in good standing during the fee rebate period, and you must be a Healthcare Advantage Plan member. We reserve the right, in our sole discretion, to revoke this offer to any person we believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. Other conditions may apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.
Legal Disclaimer3)
Includes electronic (digital) debit and credit transactions to the account, 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. For full list of fees not included with the account review the RBC Digital Choice Business Account Package page.
Legal Disclaimer4)
Includes cheques deposited through the RBC Mobile App, RBC ATM and ChequePro.
Legal Disclaimer5)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“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 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. 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.
Legal Disclaimer6)
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.
Legal Disclaimer7)
Only includes outgoing Interac e-Transfer transactions sent on the RBC Online Banking for business or RBC Edge platforms. Excludes all other Interac e-Transfer services such as Autodeposit, Request Money, Request Money Fulfillment and Bulk Interac e-Transfer service.