U.S. checking accounts for Canadians

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With a U.S. checking account from RBC Bank, you can easily make U.S. purchases, pay your U.S. bills and get cash while you are in the U.S. Plus, you’ll save money. 

With our unique checking accounts, you’ll enjoy a variety of conveniences at no additional charge.

  • Automatically exchange and instantly transfer money for free¹ between your RBC Bank (U.S.) and RBC Royal Bank™ (Canadian) accounts²
  • An RBC Bank Visa‡Debit card for making U.S. purchases and getting cash while avoiding foreign transaction fees — which can be up to 2.5% of your purchase amount
  • Online Banking & Bill Pay with our single sign-in feature for access to both your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts
  • Access to thousands of no-fee³ ATMs for cash withdrawals and to make deposits (U.S. dollars)
  • Convenient, secure, free U.S. Remote Deposit4 to deposit U.S. dollar checks drawn on U.S. banks into your RBC Bank checking or savings account
  • eStatements to view your checking account statements anytime, anywhere
  • FDIC insured funds up to $250,000 per ownership category5

Premium Checking

Choose our Premium Checking account and enjoy exceptional benefits including unlimited transactions, a preferred foreign exchange rate and interest earned on your balance. You'll also receive:

  • No RBC Bank fees to use any ATM3 and reimbursement of ATM fees charged by other banks up to 4 per cycle, upon request6
  • No minimum balance requirements ($50 minimum account opening deposit)
  • No charge for the first order of checks
  • Free ID theft recovery service

Premium Checking is $9.95 monthly with eStatements, $11.95 with paper statements. Or choose one annual fee of $99.95 with eStatements or $119.95 with paper statements.

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Direct Checking

Tap into the convenience of cross-border banking with our simple, low transaction Direct Checking account. The features include: 

  • 10 debits per month, $1 per additional debit7
  • No minimum balance requirements ($50 minimum account opening deposit)
  • No RBC Bank fee to use any ATM3 and reimbursement for ATM fees charged by other banks up to two per cycle, upon request6

Direct Checking is $3.95 monthly with eStatements, $5.95 per month with paper statements.

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How long will it take to receive my checks and/or debit card?
If you ordered checks, you will receive them within 7 to 14 days after you made the initial deposit into your account. You’ll receive your RBC Bank Visa‡ Debit card within 7 to 14 days after you opened your account. When you receive your debit card, don’t forget to activate it! You can activate your debit card easily by calling 1-866-601-7794 and following the prompts. When you are done, sign the back of your card and start using it.

How do I get my PIN (personal identification number)?
You’ll receive a separate mailing with a new personal identification number (PIN) for use with your new RBC debit card. If you like, you can change your PIN, but you will need the original PIN you receive in the mail to accomplish that. You also may reset your debit card PIN using Automated Telephone Banking

‡ All other trademarks are the property of their respective owners.
All loans and lines of credit subject to approval.
1 Standard account charges may apply.
2 Maximum transaction limits apply and are subject to change. Availability of the money will depend on the time it is sent from RBC Royal Bank or RBC Bank. Transaction may not appear on your RBC Bank (U.S.) account transaction history until the following day but will reflect the date of the transfer.
3 Standard account fees and transaction limitations will apply.
4 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.
5 Subject to maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov
6 If ATM fees apply, during the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction.
7 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 and RBC Bank account in the same name.