Skip Header Navigation

Now that the transition is complete...

We're excited to continue to offer you all of the services you've grown to expect at RBC Bank!

Now that the transition to our new U.S. banking platform is complete, we’re excited to offer a variety of new options to make your financial life, on both sides of the border, a little easier.

Options include:

  • Expanded online banking capabilities, including the security and convenience of eStatements
  • A larger ATM network
  • U.S. Remote Deposit
  • 24/7 automated telephone banking
  • Dedicated bilingual Customer Service Representatives with multi-lingual translation services

Please take a few moments to review the information in the tabs below and be sure to check back for updates.

Post-Transition Checklist

For your convenience and reference, we have created this checklist of important information as well as the actions you should take with regard to the U.S. accounts you have at RBC Bank.

Review a post-conversion checklist:
Activate my new RBC Bank Visa* Debit card by calling the number on the sticker attached to the card. I can also change my PIN number at this time.
Update my RBC Bank Visa* Debit card number and expiration date with any merchants or payees who use my debit card number to draft my account.
Destroy existing old debit or ATM card. Existing debit or ATM card will no longer work; begin using new debit card.
Begin using new checks and deposit slips. Destroy old checks and deposit slips. Continue to use my existing checks and deposit slips until the new ones arrive.
Contact 1-800 ROYAL 5-3 (1-800-769-2553) if new checks and deposit slips have not arrived.
Sign in to new online banking account, ensure payees transitioned and set up new recurring payments.
Sign up for eStatements by logging in to my new online banking.
Activate my new RBC Bank Visa Platinum Rewards credit card by calling the number on the sticker attached to the card.
Update my RBC Bank Visa Platinum Rewards credit card number and expiration date with any merchants or payees who use my credit card number for automatic payments (e.g., gym memberships, online companies).
Set up RBC Bank as a bill payee in my new online banking to use when making payments to my RBC Bank Visa Platinum Rewards credit card.
After March 5, re-establish Rewards Pool using new card number at (my current points will transfer automatically).
Continue using existing RBC Bank Visa Platinum Rewards credit card until I receive new credit card. Existing credit card will continue to work through March 3.
  • Immediately upon activation, destroy old card and begin using new one.
  • If new card is not received by March 3, call 1-888-257-6837.

Transition Communication Materials

Simply click on the English or French version of the document you want to view online. You can choose to print it too.

Your RBC Bank Transition Information - Mailed January 12

Previously Mailed Communications

  • Personal Accounts Only Q&A from November 18 Letter - English | French 
  • Business Split Q&A from November 18 Letter - English | French 
  • Q&A Brochure from November 18 Letter - English | French 
  • Commercial Accounts Only from November 18 Letter - English | French
  • Address Verification Request from September 14 Letter - English

About the Transition

As of February 17th, 2012 your accounts have been transitioned to RBC Bank's new U.S. operations. The RBC Bank name remains the same.

Please know:

Your accounts were retained by RBC Bank and were not part of the sale to PNC Bank.

Your account numbers changed and you should have already received new checks, deposit slips, debit cards and credit cards. For a list of all information and actions you need to take with regard to your new accounts, please read the Post-Transition Checklist.

You will continue to enjoy all your cross-border online banking conveniences with your single sign-on, including funds transfers between your U.S. and Canadian accounts.

Our dedicated U.S./Canadian Contact Center 1-800 ROYAL 5-3 (1-800-769-2553) will remain in place to provide friendly service and account assistance 24/7.

Access to your funds should not be interrupted after the transition weekend of February 17-20, 2012. Please call 1-800 ROYAL 5-3 (1-800-769-2553) if you have any questions or concerns.

Frequently Asked Questions (FAQs)

Have questions? Take a few moments to read the frequently asked questions list below for additional information on our plans.

Will I still be able to make cross-border transfers?
Yes. We understand this is one of the most important features of our cross-border solution and you’ll be able to transfer funds online just as you do today.
Is RBC exiting the U.S.?
No. RBC remains committed to the U.S. market and this transaction allows us to focus our U.S. efforts on growing our two largest U.S. businesses, RBC Wealth Management and RBC Capital Markets, while also continuing to serve our valued Canadian clients with U.S. banking needs through a new banking platform.
How does this announcement impact me as a Cross-Border personal banking client?
Cross-Border personal banking clients will not transition to PNC as a result of this transaction. RBC Royal Bank intends to maintain U.S. Cross-Border personal banking operations and serve the banking needs of its clients across the U.S. As part of this plan, RBC is working to continue to offer Canadian clients cross-border banking in the U.S. and looking for opportunities to expand features and services in our new banking operation. For now, there is no change or impact to clients’ banking services or accounts. In February 2012, your accounts will transition to the new banking platform we are building to service our cross-border banking clients. You will receive information in the coming months regarding this transition.
When will this new Cross-Border personal banking service be launched?
Cross-border clients will transition to the new U.S. banking operation in mid-February 2012, subject to customary closing conditions. We will be communicating with Cross-border clients between now and February 2012 to explain the transition process and how you can continue to bank with us in the future.
Will RBC Access USA still be available? Will I still be able to view accounts and transact online?
We will continue to offer RBC Access USA® products, the option of preferred foreign exchange rates and credit/debit card services. Cross-Border personal banking clients will continue to have seamless access to funds and banking products in addition to automated teller machine (ATM) access, U.S. dollar accounts and integrated online banking.
What can I do to prepare for this conversion?
We recommend current Cross-Border personal banking clients contact us to ensure we have the correct contact information on file so you will receive important account transition materials. Clients should respond to the letter you received in mid-September or call 1-800 ROYAL 5-3 (1-800-769-2553).
Who should I contact if I have questions?
You can call our Canadian/U.S. contact center at 1-800 ROYAL 5-3 (1-800-769-2553) where our staff can assist you with any questions or issues. Please also feel free to talk with your local banker in Canada or the U.S.
What else will you be sending me during the transition?
In November, we’ll be mailing you a brochure with answers to many of the questions you might have about our new banking operations.
In January, you’ll receive information on the full product suite and capabilities for the new U.S. banking operation, as well as details on how accounts will transition.

Between January 23 and February 17, 2012, we will send out new checks, credit cards, debit cards and PIN mailers. More information on these specific dates will be included in the January mailing.
What will the new U.S. banking operation be called?
We will retain “RBC Bank” as our trade name and logo for the new cross-border banking operation. The legal entity for this business is called RBC Bank (Georgia), N.A.
What will happen to the branch(es) I use in the U.S.? Will they become PNC branches?
Yes, the current RBC Bank branches will become PNC branches in early March, subject to customary closing conditions. Please don’t worry, though. You’ll continue to have ATM access, an Online Banking platform integrated with online money transfers to your Canadian accounts and online Bill Pay. Our dedicated Canadian/U.S. contact center will be available anytime you need us and want to speak with us. Not only that, but we will have office locations in select markets for Private Banking clients to come in and meet with bankers or Wealth Management officers.

You will receive more information about our new banking operations in January along with the details of your account transition.
Will my account numbers change and will I receive new checks, debit cards, and credit cards?
Yes. Your current account numbers will change as your accounts are transitioned in mid-February. New checks and debit and credit cards reflecting your new account numbers will be sent out. More detailed information on this will be provided in the January time frame along with instructions for card activation and usage.
Will I still continue to have rewards on my debit and credit cards in the new U.S. banking operation?
Credit card clients will continue to have a rewards program after the transition and you will receive information in the January mailing on the details of this program. The debit card rewards program is being discontinued. We are working on a special communication to explain the changes. Please look for this mailing in early December.
How will I access ATMs in the U.S. to obtain cash?
Your RBC Bank Visa Debit Card will be able to use any ATM network to access your accounts to get cash. All clients will receive a number of ATM service charge refunds each month upon request. Look for specific details in the product information mailing in January 2012.
Should I close my current accounts and open new accounts after the conversion?
There is no need to close or reopen accounts. As part of the transition activities, cross-border U.S. accounts will automatically be moved to RBC’s new U.S. banking platform. As we move through the transition period, we will notify clients of new account information as well as details on the migration process. By maintaining your current accounts, you will continue to have access to your current services, and will not need to go through the time-consuming process of re-opening accounts as part of the new Cross-Border platform.
When will I receive more information? How will I be kept informed of any future developments?
  • You will receive postal mail from us between now February 2012.
  • You may receive emails or Online Banking messages and reminders.
  • You can visit our web site at
  • We understand the importance of open and frequent communication, and we will keep clients well informed as we move through this process. Our goal is to make this transition as seemless as possible for our clients.
  • We will work to ensure clients receive information, and that they continue to have full access to accounts and services.
  • Relationship managers will be excellent sources of information and will keep clients up to date on developments.
I’m nervous about this transition. Is my money safe?
Absolutely. The legal entity that will serve as the new cross-border bank is already a nationally chartered bank located in the state of Georgia. RBC Bank (Georgia), N.A. is a member of the FDIC, which guarantees the safety of deposits up to applicable limits.

In addition, Royal Bank of Canada (“RBC”) remains the corporate parent of this new operation, and has among the highest credit ratings of financial institutions globally, supported by very strong risk management practices. Moody’s, a top credit-rating agency, gives RBC a Aa1 rating with a Stable Outlook. Standard & Poor’s gives RBC a AA- with a Positive Outlook, and Fitch and DBRS both give RBC a Stable Outlook with senior debt ratings of AA.
What Cross-border clients need to know about banking with RBC Bank. Watch the Video.

How can we help?

We have established a dedicated line for questions relating to this transition at:
1-800 ROYAL 5-3