RBC Bank understands the Canadian cross-border lifestyle and offers banking solutions tailored to meet your unique needs. We serve clients in all 50 states and use your Canadian credit history and your RBC Royal Bank history to help you secure a U.S. mortgage1, credit cards, or an unsecured line of credit. 

Innovative cross-border solutions to make banking in the U.S. easy

With RBC Bank you can link your Canadian and U.S. Online Banking with a single username and password for convenience and safety. You can transfer cross-currency funds, securely view statements, deposit U.S. checks2, pay bills, and review account information from your desktop, tablet, or mobile device. No matter which side of the border you’re on, count on RBC Bank to make your cross-border banking easy.

We also offer :

 

Unparalleled access and support

RBC Bank offers the same level of security, personal service and advice you’ve come to appreciate from Canada’s largest financial institution.

RBC Bank serves clients across all 50 states through a variety of channels, including:

  • Telephone Advice Center—dedicated bilingual RBC Bank Advisors and multilingual translation support at 1-800-769-2553
  • Online Banking— make money transfers and access your account anywhere, anytime. Plus, you can pay U.S. bills, or deposit U.S. checks2
  • An extensive no-fee6 ATM network to get cash and make deposits

 

All loans and lines of credit are subject to approval.
1 Mortgages are subject to approval, including verification of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit, and flood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required. There are closing costs associated with these products.
2 Limits apply. A maximum of three deposits per day totalling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totalling no more than $7,000 in deposited items. Contact us for higher limits if needed.
3 Federal regulations allow only six preauthorized transfers out of the account per month. Each preauthorized transfer in excess of six will incur a $5 fee regardless of account balance. Continued excessive preauthorized transfers will result in account closure.
4 A penalty may be imposed for early withdrawal. Fees could reduce earnings.
5 Home Equity Lines of Credit (HELOCs) are subject to approval, including verification of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit and flood insurance is required if the property is located in a Special Flood Hazard area.   In addition to a ½% Origination fee (with a $500 minimum and a $2,000 maximum) due at origination and a $50 annual fee, third party closing costs for Home Equity Lines of Credit may range from $900 to $9,000. Home Equity Lines of credit are not offered for properties in Texas. Home Equity Lines of Credit are not available for investment properties.
6 Standard account fees 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 are subject to limitations, refer to the Personal Schedule of Fees for details.