Compare checking accounts

Choose the U.S. checking
account that fits your
cross-border lifestyle

An RBC Bank checking account makes paying bills, paying for purchases, and getting cash while you are in the U.S. easier. 


RBC Bank Checking Accounts
U.S. deposits are FDIC insured, up to $250,000 per ownership category4

Account Features Premium Checking Direct Checking
Foreign exchange rates

Preferred rates - one of the best rates available to RBC clients

Standard rates
Monthly debits Included Unlimited 10 debits per month; $1 per additional debit5

Reimbursement of other banks’ ATM fees upon request6

Up to 4 per cycle Up to 2 per cycle
Checks No charge for first order of checks; standard rates apply for additional orders Standard rates apply
Interest earned on balances Yes No
Free ID theft restoration service Yes No
Fee with eStatements $9.95 monthly or $99.95 annually $3.95 monthly
Fee with paper statements $11.95 monthly or $119.95 annually $5.95 monthly

Click here to see our current bank rates.


Included on all accounts at no additional charge:

  • Automatically exchange and instantly transfer1 funds between your RBC Bank (U.S.) and RBC Royal BankTM (Canadian) accounts
  • Cash withdrawals and deposits (U.S. dollars) at thousands of no-fee2 ATMs
  • RBC Bank Visa‡ Debit card to pay for purchases and get cash
  • Online Banking & Bill Pay withour single sign-in feature for access to both your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts
  • U.S. Remote Deposit3 to deposit U.S.-based checks using your smartphone or computer and scanner
  • Automated Telephone Banking for checking balances, transferring funds and much more
  • No minimum balance requirement

Minimum account opening deposit on both accounts is $50.

Plus, you may apply for a personal line of credit, which may be linked to your checking account to protect you from overdrafts.

‡All other trademarks are the property of their respective owners.

1 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.

2 Standard account fees and transaction limitations will apply.

3 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.

Subject to maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit

5 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 account and RBC Bank account in the same name.

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.