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



Premium Checking

Direct Checking

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Fee with eStatements

$9.95 monthly/$99.95 annually

$3.95 monthly
Fee with paper statements $11.95 monthly/$119.95 annually $5.95 monthly
Monthly debits included


10 per month; $1 per additional debit¹
Foreign exchange rates

Preferred rates - one of the best available to RBC clients

Standard rates

Reimbursement of other banks’ ATM fees upon request²

Up to 4 per cycle Up to 2 per cycle
Checks No charge for first order; standard rates for additional orders Standard rates apply
Interest earned on balances Yes – see current rates No
Minimum deposit to open $50 $50

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What are international transaction fee costs?
We charge an International Transaction Fee on each purchase or cash back transaction at a Merchant or cash withdrawal/advance at an ATM or bank branch, if the transaction is made in a foreign currency. The International Transaction Fee is currently 3% of all foreign currency transactions. View the Personal Schedule of Fees for details.

1 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.

2 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.