Cross-border solutions

Everything Canadians need for banking in the U.S.

More than 10 years ago, RBC Bank became the first and only bank dedicated to serving cross-border Canadians with innovative ways to manage your money on both sides of the border, utilize your Canadian credit history as well as your RBC Royal BankTM relationship for your financial needs. We don’t just specialize in U.S. banking solutions. We specialize in U.S. banking solutions for Canadians.

Checking accounts

Choose from our simple low transaction Direct Checking account or our Premium Checking account with preferred exchange rate. Both come with an RBC Bank Visa‡ Debit card, so you can make purchases, get cash, and enjoy pay-at-the-pump convenience in the U.S.  

Online Banking & Bill Pay

A single sign-in to Online Banking & Bill Pay gives you access to both your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts. With Online Bill Pay, you can make rental and utility payments and pay virtually any U.S. person or U.S. merchant.  

Cross-Border Transfers

Cross-border banking is easy, plus you’ll save time and money when you automatically exchange and instantly transfer funds for free1 between your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts.

Signature Black Credit card

Enjoy hassle-free purchasing in the U.S. without paying foreign exchange fees while building your U.S. credit history! Apply for your RBC Bank Visa‡ Signature Black Credit card.

ATM deposits

Get cash and make free ATM deposits of U.S. checks or currency at thousands of no-fee ATMs.

U.S. Remote Deposit

With U.S. Remote Deposit2, you can make deposits anytime, anywhere, with your smartphone, tablet, or computer with a scanner. Even better, access to Remote Deposit is available at no charge.


Wherever you may be, eStatements give you secure 24/7 access to your monthly deposit account, credit cards, and line of credit statements via Online Banking. Safer than your postal mailbox, eStatements keep your financial information secure, reducing the risk of fraud or identity theft.

Savings accounts, money market savings and certificates of deposit.

Your RBC Bank savings account, money market savings, certificates of deposit (CDs) lets you set U.S. funds aside to have when you need them — without having to worry about fluctuating exchange rates. (In Canada, CDs are called guaranteed investment certificates – GICs.)

Travel Checklist

If you are considering coming south of the border, our handy U.S. Cross-border Travel Checklist provides important tips and information you'll want to know.

Did you know?

An international wire transfer between the U.S. and Canada costs around $75 per transaction. With our cross-border checking accounts, you'll enjoy instant transfers between your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts, virtually eliminating your need for U.S./Canada wire transfers. For Premium Checking clients, that means the savings you'll get from only two international transfers will more than cover the monthly fees you'll pay over an entire year! Let's do the math.

Typical international wire transfer (one-time) = $75
RBC Bank cross-border transfer = $0
One year Premium Checking fees (with eStatements) = $99.95

‡ All other trademarks are the property of their respective owners. 
All loans and lines of credit are subject to approval.
1 Standard account charges may apply. 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 Deposit limits may apply. See full terms and conditions for details.