Use these simple, secure ways to manage your money on both sides of the border.
Take advantage of a single sign-in to make FREE unlimited, immediate transfers between your RBC Bank and Royal Bank of Canada accounts. You can also move money between your U.S. RBC Bank accounts and those you own at other U.S. financial institutions.
With RBC Bank, you can complete domestic and international wire transfers between accounts you own or with others.
Call 1-800 ROYAL 5-3 (1-800-769-2553) 24 hours a day, 7 days a week to transfer funds between your U.S.-based accounts.
RBC Cross-Border Transfers
Make free, unlimited transfers between your RBC Canadian and U.S. accounts using Online Banking & Bill Pay.
U.S. External Financial Institution Transfers
Use Online Banking & Bill Pay to register accounts you own with other U.S. financial institutions so you can make easy online transfers with no fee!
- Can I transfer funds at an ATM?
- At this time, you cannot transfer funds between your RBC Bank accounts using an ATM. You can, however, check your balance(s). You can also use your RBC Bank Visa‡ Debit card to deposit U.S. currency and checks drawn on U.S. banks into to your primary† RBC Bank deposit account (i.e. checking, savings or money market) through any PNC Bank ATM that accepts deposits.
- Is there a fee to transfer funds between my RBC Bank accounts?
- No. With RBC Access USA, you have the option of linking your RBC Royal Bank and RBC Bank accounts in online banking and making cross-border transfers at no cost.
- Is there a fee to transfer funds between my U.S. and Canadian RBC accounts?
- No. You will not be charged to move money between RBC Bank accounts.
- Is there a limit to the number of transfers I can make?
- For checking accounts, there is no limit to the amount of transfers you can complete. U.S. Federal banking regulations limit the number of withdrawals you can make from personal savings and money market accounts. Currently, that limit is six withdrawals per month.
- How do I send a wire transfer?
- To initiate wire transfers with RBC Bank, we need you to first sign a Wire Transfer Agreement. Follow the instructions on the document to complete and submit. Once we receive this one-time agreement, you may initiate domestic or international wires with us. To do so, please call 1-800-769-2553 and be prepared to provide the following information:
- Beneficiary bank name and address:
This is the bank where the person or business to whom you want to send a wire transfer holds their account.
- Receiving/beneficiary bank name and ABA Routing Number or Swift Code:
Depending on the processing procedures of the receiving/beneficiary bank, both the ABA Routing Number and Swift Code may be required.
IMPORTANT NOTE: Many banks use an intermediary or "receiving" bank to facilitate their wire transfers (Example: RBC Bank uses JPMorgan Chase to process wires). If that is the case with the wire transfer you wish to send, please be sure to provide the receiving bank's ABA Routing Number or Swift Code. Do not use the final beneficiary's bank information as that may create a significant delay in processing.
- Beneficiary name and account number
The full name of the person or business to whom you are sending the wire and the account number where the funds are to be sent.
- How can I receive a wire transfer?
- To receive an incoming domestic or international wire transfer, please provide the following information to the person or business initiating the transaction (sending the wire transfer to you):
- Your bank name and address:
RBC Bank (Georgia), N.A.
8081 Arco Corporate Dr.
Raleigh, N.C. 27617
- Receiving bank name and ABA Routing Number:
ABA Routing Number: 021000021
IMPORTANT NOTE: All incoming wire transfers for RBC Bank go through our designated receiving bank, JPMorgan Chase. Please DO NOT use RBC Bank (Georgia), N.A. or its ABA Routing number as the receiving bank. Doing so will render the transfer request invalid.
- Beneficiary bank name, Swift Code and ABA Routing Number:
RBC Bank (Georgia), N.A.
Swift code: RBCBUS33
ABA/Routing Number: 0632-1660-8
- Beneficiary name and account number:
Your name and the RBC Bank account number where you would like the funds to be deposited
- Do I have to pay for wire transfers?
- There are fees associated with sending or receiving wire transfers. Please refer to the Schedule of Fees for specific transaction costs.
- Can I set up recurring and scheduled transfers?
- Yes, for transfers between your U.S. RBC Bank accounts. Simply log in to your RBC Bank account and go to Transfer Funds. Specify the amount of the transfer, the date range, and the frequency of transfer. Once you confirm, we'll take care of the rest. Plus, you can review, edit or delete any of the transfers you've established whenever you're logged in to Online Banking.
- Can I transfer funds between RBC Bank and other U.S. financial institutions?
- Yes. With RBC Bank Online Banking, you’ll have the ability to setup transfers between your RBC Bank account and other U.S. financial institutions at no cost. Simply login to Online Banking and select the “Transfer Funds” section to get started.
- Can I transfer funds between my U.S. and Canadian RBC accounts?
- Yes. With RBC Access USA, you have the option of linking your RBC Royal Bank and RBC Bank accounts in online banking and making cross-border transfers.
- Is there a limit to the amount I can transfer between my Royal Bank and RBC Bank accounts?
- Online transfers are limited to $25,000 (CAD or USD) per transaction. Should you need to transfer more than that at one time, please call 1-800 ROYAL 5-3 (1-800-769-2553) where a Customer Service Representative can accommodate single transfers of up to and including $100,000.
- How can I check the current exchange rate before I make a transfer between my U.S. and Canadian RBC accounts?
- Go through the process of completing an online transfer. When you get to the "Confirm Transfer" page, the exchange rate will appear. At that time, you can either complete or cancel your transaction.
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