Whether you're traveling to the States for a vacation or an extended stay, preparation is the key to making sure your trip south of the border is enjoyable and stress-free. Our comprehensive checklist will help you prepare.

Banking considerations

To save time and money while in the U.S., its best to:
❑  Open a U.S.-based checking account with a U.S. financial institution such as RBC Bank.
❑  Apply for a U.S. credit card1 like the RBC Bank Visa‡ Signature Black Credit card. You'll avoid foreign transaction fees on your U.S. purchases. Plus, you'll earn RBC RewardsTM points on every dollar you spend.
❑  Enroll in Online Banking so you access your account anywhere, anytime. With RBC Bank  Online Banking you can manage your accounts from your desktop, tablet or mobile device. Plus with single sign-in to your Canadian and U.S. accounts, you can securely view your statements, complete cross-currency transfers at great rates, pay your bills, and access your account information.
❑  Sign up for eStatements for convenient access to your checking, savings, loans and lines of credit statements.
❑  Use U.S. Remote Deposit2 to securely deposit U.S. dollar checks using your smartphone, tablet or scanner.

 

TIP: With RBC Bank and Apple Pay‡ you can make simple, convenient U.S. purchases in stores and on the go:

    • Download the Apple Pay app onto your iPhone‡ 6 or newer device.
    • Choose your RBC Bank credit card or debit card as your preferred method of payment.
    • Next time you're at the checkout, place your iPhone near the merchant's card reader and authorize your payment.

 

Personal considerations

Your home
❑  Adjust the thermostat, turn off the water and unplug electrical devices.
❑  Double check your home's safety and security.
❑  Make sure you have insurance for when your home is unoccupied.
❑  Have a trusted friend, family member or professional housesitter look in on your home.

TIP: Forward your mail, cancel or hold mail subscriptions and add international roaming to your cell phone before leaving.

 

Your health
❑  Take important medical information with you.
❑  Get the name and number of a doctor and the nearest hospital in the U.S.
❑  Take your provincial health insurance card(s).

TIP: Your provincial health plan, credit card and work medical insurance coverage may not be enough when you're in the U.S. Save money with RBC Royal Bank Travel HealthProtectorTM insurance3 coverage that can:

    • Pay your eligible medical expenses and other costs whenever possible.
    • Provide coverage for lost, damaged or delayed baggage.
    • Reimburse you if you have to return home for a family medical emergency.

For more information about Travel HealthProtector insurance, click here.

 

Your legal situation
❑  Check that your Power of Attorney and/or Letter of Direction are valid in the state you are going to, and bring these documents with you to the U.S. Ensure that the length of your stay conforms to U.S. residency and tax regulations.
❑  Determine which forms you need to complete to prove your Canadian residency and tax situation. Visit www.irs.gov for further details.

 

Your vehicle
  Review your insurance.
❑  Check to see if you'll need a U.S. driver's license (requirements vary by state) and whether you'll need to register your vehicle in the U.S.
❑  Consider getting U.S. roadside assistance coverage.
❑  Remember to take your vehicle insurance documents.

 

‡ All other trademarks are the property of their respective owners. Apple Pay is a trademark of Apple Inc.
1 All loans and lines of credit are subject to credit approval.
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 Travel HealthProtector insurance is an optional group insurance available to clients of RBC companies who are residents of Canada. Travel HealthProtector insurance is underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company. RBC Bank does not offer or sell Travel HealthProtector insurance and insurance products 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. The purchase of Travel HealthProtector insurance is not required as a condition of obtaining any product or service of RBC Bank.