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10 Tips for Banking in the U.S.

Whether you are a frequent traveler to the U.S., here for an elongated stay, working or studying in the States, or relocating from Canada – whatever your circumstance, you’ll want to ensure you have access to your money.  There are a number of distinctions between banking in the U.S. and Canada, and there are certainly some things you’ll want to consider as you prepare to do banking in the States.

  1. Set up a checking account:  In order to pay bills such as utility bills in the U.S., you will need to have a U.S. checking account for ease of access to U.S. dollars to make payments.
  2. You’ll want a Visa Debit Card:  This card is unlike the Visa credit card often used in Canada.  This card pulls funds directly from your checking account, and is accepted anywhere Visa cards are accepted.
  3. For convenience, you’ll want access to Online Banking and Bill Pay:  No doubt, you are mobile if you are visiting here in the U.S. To pay U.S. bills or to make immediate transfers of funds from your Canadian account to your U.S. account, Online Banking will make that seamless and easy to do.
  4. Set up eStatements:  Whether you are in the U.S. or in Canada, having access to your monthly account statements through Online Banking and Bill Pay will provide you with mobile access, wherever you may be.
  5. Get U.S. Remote Deposit:  This allows you to use your Smartphone or personal computer with scanner to create images of your U.S. dollar checks and electronically deposit them into your account.
  6. If you’re purchasing property in the U.S.: you’ll want to a financial partner who can underwrite your mortgage and utilize your Canadian credit history to make it happen.
  7. You’ll want to obtain a knowledgeable financial partner:  an institution that truly understands the unique needs associated with banking on both sides of the border.
  8. Go with what you know:  Chose a financial partner that you know you can rely on, a bank that is widely known in both Canada and the U.S.
  9. Ensure that your financial partner offers the tools you’ll need:  online banking and bill pay, eStatements and credit cards – all tools that are paramount for your on-the-go lifestyle!
  10. Make sure your financial partner can provide the advice and the counsel you need and has designated resources to take care of those needs – whenever and wherever you may be.

Traveling in and out of the country can be cumbersome … managing your money while doing so, doesn’t have to be.  That’s why you need a financial partner you know you can trust – a brand who while rooted in Canada, knows the intricacies of managing your money on both sides of the border.  That’s RBC Bank. 

If you need assistance setting up a U.S. account or with any of the above-noted services, simply call 1-800-ROYAL 5-3 (1-800-769-2553).  The RBC dedicated, bi-lingual customer service representatives are available 24/7.  RBC Bank will be happy to help you with your cross-border banking needs, and give you the peace of mind of having access to your money when you need it most.



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