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Top Frequently Asked Questions

How do I pay my RBC Bank credit card bill?
Paying your monthly credit card bill is easy. Choose from these convenient options:

  • Online Banking - Transfer Funds feature: Follow the simple steps that are shown in the Credit Card Transfer Demo to make credit card payments using our convenient Transfer Funds feature.

  • Phone: call 1-888-257-6837 to make a one-time payment or to setup ongoing recurring payments with our Autopay service.

  • Mail: Use the tear-off coupon included in your statement and send to:

    RBC Bank Cardholder Service
    PO Box 981350
    Boston, MA 02298-1350

  • Online Bill Pay: If you are currently enrolled in RBC Bank Online Bill Pay, add RBC Bank Cardholder Services as a biller. Be sure to use the new RBC Bank Cardholder Services billing address provided in your statement and be sure to include your new account number. If you already have RBC Bank Cardholder Services in your list of payees, please ensure that it's using your new account number and our new billing address. If you haven't enrolled in RBC Bank Online Bill Pay, simply login to your RBC Bank online account and click on the "Pay Bills" tab. One business day after enrolling in RBC Bank Online Bill Pay, you will then be able to add RBC Bank as a biller. Simply login to RBC Bank Online Banking, click on the "Pay Bills" tab, then click on "Add a bill" from the menu at the top and follow the instructions on the screen.
What is RBC Bank's Routing (institution) number?
RBC Bank's Routing (institution) number is 063216608.

A bank routing number is a nine-digit number used to identify a financial institution in a transaction, such as automated payments and wire transfers. Routing numbers are printed on the bottom of a check as the first nine-digit sequence of numbers starting at the left edge of the check.
How can I open an account with RBC Bank?
Getting started with RBC Bank is as easy as picking up your phone. Call 1-800 ROYAL 5-3 (1-800-769-2553), where our dedicated, bilingual Customer Service Representatives can not only help you open an account, but can also offer financial guidance, answer questions and address any concerns you may have. You can also open an RBC Bank account at any RBC Royal Bank branch.
Where can I find the nearest (no-fee) ATM?
RBC Bank no longer has an ATM network, but you can use your RBC Bank Visa Debit card at any of the more than 7,300 PNC Bank ATMs†† to access funds from your checking or savings account - with no fees! Or, use your card to get cash at any other Visa, NYCE or PLUS ATM. We won't charge you for these withdrawals and, upon request, we will refund you for fees other banks may charge (up to 2 for Royal Embassy checking clients and 4 for Preferred Checking clients).

Visit the ATM locator to find the nearest PNC Bank (no-fee) ATM
How do I link my RBC Bank and RBC Royal Bank online accounts so I can use single-sign on and make cross-border transfers?
Follow these simple steps to link your U.S. and Canadian accounts:
  1. Login to RBC Bank Online Banking
  2. Click on Customer Service tab
  3. Choose the "My Profile and Preferences" link
  4. Click on "Link your RBC Royal Bank and RBC U.S. Banking accounts"
How can I keep in touch with RBC Bank?
You can call us at 1-800 ROYAL 5-3 (1-800-769-2553), where our dedicated, bilingual Customer Service Representatives are available to assist you 24/7. Or, send a secure email right from your online banking account.
How do I get cash?
Simply use your RBC Bank Visa Debit card at any of the more than 7,300 PNC Bank ATMs†† – with no fees – to access funds from your checking or savings account. Or, use your card to get cash at any other Visa, NYCE or PLUS ATM – whichever location that’s most convenient for you. We won’t charge you for these withdrawals and, upon request, we’ll refund fees other banks may charge; 2 per month for Royal Embassy checking clients and 4 per month for Preferred checking clients.
Can I transfer funds between my U.S. and Canadian RBC accounts?
Yes. With a Cross-Border Banking package, you have the option of linking your RBC Royal Bank and RBC Bank accounts in online banking and making cross-border transfers.
What is a Cross-Border Banking Package?
It’s a comprehensive banking package designed to fulfill the U.S. banking needs of RBC's cross-border clients living, working or regularly travelling in the U.S. while, at the same time, providing direct access to their Canadian accounts.
What does RBC Bank's Online Banking & Bill Pay offer me?
Enjoy a single sign-on to manage both U.S. and Canadian accounts. Complete cross-border funds transfers, transfer money between your RBC Bank accounts and other U.S.-based financial institutions, and save time and protect your privacy with eStatements. Learn more
Does RBC Bank offer eStatements?
Yes. RBC Bank is not only committed to reducing waste, but also helping you save time and money! You can sign up to receive eStatements via your secure Online Banking sessions. Once enrolled, you will receive a notification email each time a new eStatement is ready for viewing Then, you simply login to RBC Bank Online Banking to access it.
What is U.S. Remote Deposit?
RBC Bank U.S. Remote Deposit is a convenient service that lets you use your smartphone or personal computer with a scanner and internet connection to safely make electronic U.S. currency deposits to your RBC Bank checking or savings account. There is no fee to download or use the application and make deposits, but you must be an Cross-Border Banking® client to use U.S. Remote Deposit. Learn how to sign up and use it today
How do I deposit cash?
You can use your RBC Bank Visa debit card to deposit U.S. currency at any PNC Bank ATM†† that accepts deposits. You cannot deposit Canadian currency using PNC Bank ATMs. Please do not send cash via U.S. mail.
Does RBC Bank charge ATM fees?
RBC Bank will not charge you for any ATM transactions, but we can't control the fees that banks who own the ATMs may charge. We will refund up to 4 ATM transaction fees per month for RBC Bank Preferred Checking account holders and 2 for RBC Bank Royal Embassy account holders.
Why can't I make cross-border transfers during certain times in the day?
Cross-border funds transfer capabilities are not available during our daily system maintenance, which occurs at the following times:
  • 6:25am - 6:35am ET
  • 7:55pm - 8:05pm ET
How can I pay for my RBC Bank Mortgage?
Clients with RBC Bank mortgages can make payments via:
  • Automatic Bank Draft: Simply follow the instructions on the Automatic Payment (ACH) Authorization form
  • Phone: Please contact our mortgage loan administration customer service department at 1-877-629-6989 to enroll in our "Mortgage Pay-by-Phone" service
  • Mail: Use the tear-off coupons included in your mortgage statement and send payments to P.O. Box 986, Newark, NJ 07184-0986
  • Online Bill Pay: Simply add RBC Bank Mortgage as a biller within RBC Bank. Be sure to include your new loan number and new payment address (P.O. Box 986, Newark, New Jersey 07184-0986)
  • Online Mortgage Loan Administration Website: Login to the RBC Bank Online Mortgage Loan Administration website to make your payments online.
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 International wire transfer, please provide the following information to the person or business initiating the transaction (sending the wire transfer to you):

Download the Instructions for Receiving Wire Transfers

 

Online Banking FAQs

What does RBC Bank's Online Banking & Bill Pay offer me?
Enjoy a single sign-on to manage both U.S. and Canadian accounts. Complete cross-border funds transfers, transfer money between your RBC Bank accounts and other U.S.-based financial institutions, and save time and protect your privacy with eStatements. Learn more
How can I be sure my Online Banking messages are secure?
The e-mails you send to us from your online banking session are as secure as your account information itself. That's because the communication is transmitted only inside our multiple layers of firewalls that include 128 bit encryption to ensure no one can access your personal information.
What types of bills can I pay online?
Generally, there are two types of bills you can pay using Online Bill Pay. They are:
  • Recurring fixed payments - these are bills due in the same amount on a regular basis. Examples include your mortgage, car or student loan payment.
  • Recurring variable payments - these are bills you pay regularly, but the amount may change from period to period. Examples include utilities or credit card payments.
Are there bills I can't pay online?
Yes. In the U.S., neither tax payments nor court ordered payments may be processed using Online Bill Pay.
How do I pay my RBC Bank credit card bill using online banking?
Log in to your U.S. RBC Bank Online Banking account. Then follow these simple steps to make credit card payments using our convenient credit card transfer tool:
  1. Click on "Transfer Funds" and select "USA Transfers"
  2. Enter the amount you wish to pay
  3. Select the checking or savings account from which you'd like to pay using the "From Account" drop down menu
  4. Schedule your payment and specify whether you would like it to be a one-time immediate, one-time scheduled or recurring payment
  5. Click "Submit" to continue
  6. Confirm the entered information, then click "Submit"

View a step-by-step demo
Log in to your U.S. RBC Bank Online Banking account

How do I link my RBC Bank and RBC Royal Bank online accounts so I can use single-sign on and make cross-border transfers?
Follow these simple steps to link your U.S. and Canadian accounts:
  1. Login to RBC Bank Online Banking
  2. Click on Customer Service tab
  3. Choose the "My Profile and Preferences" link
  4. Click on "Link your RBC Royal Bank and RBC U.S. Banking accounts"
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 Royal Direct specialist 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.
How long will it take for an online cross-border transfer to appear in my account?
If you are making on online transfer between RBC Bank and/or RBC Royal Bank accounts, the deposit credit will appear immediately.
Why can't I make cross-border transfers during certain times in the day?
Cross-border funds transfer capabilities are not available during our daily system maintenance, which occurs at the following times:
  • 6:25am - 6:35am ET
  • 7:55pm - 8:05pm ET
Can I transfer funds between my accounts with RBC Bank and external accounts with other U.S. financial institutions?
You can separately enroll in this optional service if you are the sole owner, or a joint owner of all the RBC Bank Accounts and all external accounts. Transfers can either be immediate, future-dated or recurring. The cutoff time is 8:00 p.m. Eastern time on each Business Day. Any transfer request after cutoff time will be processed on the next Business Day. You may cancel or modify any transfer that has not yet begun processing by entering the appropriate instructions within the service.

Current limits are $3,000 per Incoming Transfer and $5,000 per Outgoing Transfer. Deposit Accounts (Checking, Savings, Money Market) are eligible for TO and FROM using the Online Banking External Transfer feature. Simply login to Online Banking and select the "Transfer Funds" section to get started. You may have a maximum of 5 external accounts.
How do I add external accounts from other U.S. financial institutions into my RBC Bank Online Banking?
Adding an external account from another U.S. bank to your RBC Bank Online Banking service will enable you to electronically transfer funds between your registered U.S. accounts. You may have a maximum of 5 external accounts. Here's how to add them:
  1. Login to RBC Bank Online Banking
  2. Click on the "Transfer Funds" tab and select "Registered External Accounts" from the menu
  3. From the Registered External Account page, click on the "Add" button to add a new U.S. financial institution
  4. Enter the basic external account information, such as routing number, account number, type of account, and the account owner.
  5. Then, over the course of up to 5 business days, RBC Bank will make up to two micro-deposits (less than $1.00) to the external account specified by you.
  6. Login to the online banking service of your external account to verify the micro-deposit amounts deposited by RBC Bank.
  7. Once you have verified the amount of the micro-deposits into your external account, login to RBC Bank Online Banking, select the “Pending External Accounts” option from the "Transfer Funds" tab.
  8. Select the appropriate radio button that corresponds to the external account you want to verify and then press the verify button.
  9. From the Verify External Accounts page, enter the amount of the micro-deposits and press the "Submit" button
Does RBC Bank offer eStatements?
Yes. RBC Bank is not only committed to reducing waste, but also helping you save time and money! You can sign up to receive eStatements via your secure Online Banking sessions. Once enrolled, you will receive a notification email each time a new eStatement is ready for viewing Then, you simply login to RBC Bank Online Banking to access it.
How long will my e-statements be available online?
Beginning with statements generated after February 20, 2012, each account statement will remain online for a period of 24 months.
How can I order copies of statements or check images I can't see online?
Yes. You can request copies of checks and statements by calling us at 1-800 ROYAL 5-3 (1-800-769-2553), or sending us a secure message through Online Banking.
What is U.S. Remote Deposit?
RBC Bank U.S. Remote Deposit is a convenient service that lets you use your smartphone or personal computer with a scanner and internet connection to safely make electronic U.S. currency deposits to your RBC Bank checking or savings account. There is no fee to download or use the application and make deposits, but you must be an Cross-Border Banking® client to use U.S. Remote Deposit. Learn how to sign up and use it today
Do I have to pay for using U.S. Remote Deposit?
There is no fee to download or use the application and make deposits, but you must be an Cross-Border Banking® client to use U.S. Remote Deposit.

eStatements Frequently Asked Questions

Does RBC Bank offer eStatements?
Yes. RBC Bank is not only committed to reducing waste, but also helping you save time and money! You can sign up to receive eStatements via your secure Online Banking sessions. Once enrolled, you will receive a notification email each time a new eStatement is ready for viewing Then, you simply login to RBC Bank Online Banking to access it.
How do I enroll in eStatements?
Choosing eStatements is a smart, safe and environmentally-friendly way to receive and manage your monthly account information.

To enroll:
  1. Log in to U.S. RBC Bank Online Banking. Doing so will take you to the Account Summary screen.
  2. Click My Services and a drop-down menu will appear.
  3. Select eStatements. This will take you to a screen called Bank Statement Preferences showing your U.S. RBC Bank accounts with selection options for statements.
  4. Select eStatements for any or all your RBC Bank deposit accounts. Once you make your selections, a Terms & Conditions box will appear.
  5. Click View/Print Terms & Conditions and review the document thoroughly.
  6. Select the checkboxes for #2 and #3 to verify that you can view, print and save eStatements using your computer and that you have read and agree to the Terms & Conditions.
  7. Click Submit.
How do I update my eStatement Notification email address?
There are two ways to update your eStatement Notification email address - either online or through Customer Service.

To update your email address online:
  1. Log in to U.S. RBC Bank Online Banking. Doing so will take you to the Account Summary screen.
  2. Click on Customer Service and select My Profile and Preferences.
  3. Select Contact Information. From this page you can update your email address, mailing address, phone numbers, and more. Enter your preferred Primary Email address.
  4. Click Submit.
  5. To complete the email address update, view any eStatement, which will trigger the system to update your eStatement Notification email address.
  6. Your next eStatement Notification will be sent to the updated email address.
To update your email address through Customer Service:
  1. Call 1-800 ROYAL 5-3 (1-800-769-2553) and speak to one of our dedicated, bilingual customer service representatives.
How long will my e-statements be available online?
Beginning with statements generated after February 20, 2012, each account statement will remain online for a period of 24 months.
How can I order copies of statements or check images I can't see online?
Yes. You can request copies of checks and statements by calling us at 1-800 ROYAL 5-3 (1-800-769-2553), or sending us a secure message through Online Banking.

    Mortgage Solutions FAQs

    How can I pay for my RBC Bank Mortgage?
    Clients with RBC Bank mortgages can make payments via:
    • Automatic Bank Draft: Simply follow the instructions on the Automatic Payment (ACH) Authorization form
    • Phone: Please contact our mortgage loan administration customer service department at 1-877-629-6989 to enroll in our "Mortgage Pay-by-Phone" service
    • Mail: Use the tear-off coupons included in your mortgage statement and send payments to P.O. Box 986, Newark, NJ 07184-0986
    • Online Bill Pay: Simply add RBC Bank Mortgage as a biller within RBC Bank. Be sure to include your new loan number and new payment address (P.O. Box 986, Newark, New Jersey 07184-0986)
    • Online Mortgage Loan Administration Website: Login to the RBC Bank Online Mortgage Loan Administration website to make your payments online.

    Credit Cards FAQs

    How can I pay my RBC Bank credit card bill?
    Paying your monthly credit card bill is easy. Choose from these convenient options:

    • Online Banking - Transfer Funds feature: Follow the simple steps that are shown in the Credit Card Transfer Demo to make credit card payments using our convenient Transfer Funds feature.

    • Phone: call 1-888-257-6837 to make a one-time payment or to setup ongoing recurring payments with our Autopay service.

    • Mail: Use the tear-off coupon included in your statement and send to:

      RBC Bank Cardholder Service
      PO Box 981350
      Boston, MA 02298-1350

    Making Deposits FAQs

    How do I add money to my account?
    There are seven easy ways to deposit money into your checking or savings account:
    1. ATM Deposits: You can use your RBC Bank Visa debit card deposit U.S. currency and checks drawn on U.S. financial institutions at any PNC Bank ATM†† that accepts deposits.
    2. U.S. Remote Deposit: Use your Smartphone or personal computer with scanner and secure internet connections to safely transmit images of U.S. based checks for deposit to your RBC Bank checking or savings accounts.
    3. Direct Deposit: Set up electronic deposits for regular payments such as your payroll or Social security benefits.
    4. Wire transfer: International, domestic and foreign exchange
    5. External funds transfers: Transfer funds between your RBC Bank (U.S.) accounts and those you own with other U.S. financial institutions.  
    6. Cross-Border transfers: Unlimited immediate transfers between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts.
    7. U.S. mail: We provide convenient “bank by mail” envelopes to you at no charge. To order envelopes or to request additional deposit slips, call us at 1-800-769-2553 or click on Contact Us to send us a request. If you use your own envelope you will need to include the appropriate postage.
    How do I deposit cash?
    You can use your RBC Bank Visa debit card to deposit U.S. currency at any PNC Bank ATM†† that accepts deposits. You cannot deposit Canadian currency using PNC Bank ATMs. Please do not send cash via U.S. mail.
    How do I make a deposit at an ATM that doesn't use envelopes?
    Follow these simple steps to make a deposit at an ATM that doesn’t require an envelope:
    1. Insert your card, enter your PIN and select Deposit transaction from the main menu.
    2. Select the type of deposit you want to make - Checks or Cash.
      1. If you select Checks, follow the instructions on the screen to insert single or multiple checks.
      2. If you select Cash, follow the instructions on screen to make your cash deposit
      3. If you are depositing both checks and cash, they will need to be deposited separately. Follow the prompts on the screen to select which of these you would like to deposit first.
    3. Approve your cash or check deposit by following the prompts on the screen.
    4. Choose whether or not you would like a receipt for your deposit. All receipts will show the total amount of your deposit. If your deposit includes checks, your receipt will also display images of the checks you just 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.
    Will I get a receipt for deposits made by mail?
    No. Please check your account activity via online banking, automated telephone banking (1-800-769-2553), or your monthly statement to reconcile the deposit to your records.
    How long will it take for an online or wire deposit to appear in my account?
    If you are making on online transfer between RBC Bank and/or RBC Royal Bank accounts, the deposit credit will appear immediately. If you are making a wire transfer between non-RBC accounts - either domestic or international - the deposit credit may take up to two business days to appear.
    Do I have to pay for using U.S. Remote Deposit?
    There is no fee to download or use the application and make deposits.
    How many deposits can I make each month?
    Make as many deposits as you want into these accounts:
    • Money Market
    • Savings
    • Checking

    You can make an initial funding deposit into a certificate of deposit (CD) but you can’t add more money until maturity. Additional funds can be added at maturity and during the grace period.

    Getting Cash FAQs

    How do I get cash?
    Simply use your RBC Bank Visa Debit card at any of the more than 7,300 PNC Bank ATMs†† – with no fees – to access funds from your checking or savings account. Or, use your card to get cash at any other Visa, NYCE or PLUS ATM – whichever location that’s most convenient for you. We won’t charge you for these withdrawals and, upon request, we’ll refund fees other banks may charge; 2 per month for Royal Embassy checking clients and 4 per month for Preferred checking clients.
    Does RBC Bank charge ATM fees?
    RBC Bank will not charge you for any ATM transactions, but we can't control the fees that banks who own the ATMs may charge. We will refund up to 4 ATM transaction fees per month for RBC Bank Preferred Checking account holders and 2 for RBC Bank Royal Embassy account holders.
    What happens if I make many ATM withdrawals using machines other than PNC Bank ATMs?
    RBC Bank will not charge you for any ATM transactions., but we can't control the fees that banks who own the ATMs my charge. We will refund up to 4 ATM transaction fees per month for RBC Bank Preferred Checking account holders, and 2 for RBC Bank Royal Embassy account holders. You can avoid paying ATM fees by:
    • Withdrawing a larger amount of cash each time you visit the ATM. That way, you can reduce the number of times you need to stop each month
    • Looking for "No Fee" ATMs that can be found at certain gas stations or convenience stores
    How will I get my refund for ATM fees other banks may charge?
    You can request your ATM fee refund by contacting us 24/7 via phone at 1-800 ROYAL 5-3 (1-800-769-2553) , or via secure message by logging into RBC Bank Online Banking.
    Where can I find the nearest (no-fee) ATM?
    RBC Bank no longer has an ATM network, but you can use your RBC Bank Visa Debit card at any of the more than 7,300 PNC Bank ATMs†† to access funds from your checking or savings account - with no fees! Or, use your card to get cash at any other Visa, NYCE or PLUS ATM. We won't charge you for these withdrawals and, upon request, we will refund you for fees other banks may charge (up to 2 for Royal Embassy checking clients and 4 for Preferred Checking clients).

    Visit the ATM locator to find the nearest PNC Bank (no-fee) ATM

    Transferring Money FAQs

    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. You will not be charged to move money between RBC Bank accounts.
    Is there a fee to transfer funds between my U.S. and Canadian RBC accounts?
    No. With a Cross-Border Banking package, 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 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.
    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 a cross-border banking package, 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 Royal Direct specialist 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.
    Why can't I make cross-border transfers during certain times in the day?
    Cross-border funds transfer capabilities are not available during our daily system maintenance, which occurs at the following times:
    • 12:30am - 2:30am ET
    • 6:25am - 7:35am ET
    • 7:55pm - 8:05pm ET
    How do I link my RBC Bank and RBC Royal Bank online accounts so I can use single-sign on and make cross-border transfers?
    Follow these simple steps to link your U.S. and Canadian accounts:
    1. Login to RBC Bank Online Banking
    2. Click on Customer Service tab
    3. Choose the "My Profile and Preferences" link
    4. Click on "Link your RBC Royal Bank and RBC U.S. Banking accounts"
    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 International wire transfer, please provide the following information to the person or business initiating the transaction (sending the wire transfer to you):

    Download the Instructions for Receiving Wire Transfers
    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.

    Paying Bills FAQs

    What types of bills can I pay online?
    Generally, there are two types of bills you can pay using Online Bill Pay. They are:
    • Recurring fixed payments - these are bills due in the same amount on a regular basis. Examples include your mortgage, car or student loan payment.
    • Recurring variable payments - these are bills you pay regularly, but the amount may change from period to period. Examples include utilities or credit card payments.
    Are there bills I can't pay online?
    Yes. In the U.S., neither tax payments nor court ordered payments may be processed using Online Bill Pay.

    Managing Accounts FAQs

    Can I still get a paper statement mailed to me?
    Yes. To receive paper statements, you can log in Online Banking and make the selection within the "Profile and Preferences" section to start receiving paper statement. Royal Embassy Checking account holders will be charged $1.00 per monthly paper statement.
    How long will my eStatements be available online?
    Beginning with statements generated after February 20, 2012, each account statement will remain online for a period of 24 months.
    How can I be sure my Online Banking messages are secure?
    The e-mails you send to us from your online banking session are as secure as your account information itself. That's because the communication is transmitted only inside our multiple layers of firewalls that include 128-bit encryption to ensure no one can access your personal information.
    How can I order copies of statements or check images I can't see online?
    Yes. You can request copies of checks and statements by calling us at 1-800 ROYAL 5-3 (1-800-769-2553), or sending us a secure message through Online Banking.
    How do I pay my RBC Bank credit card bill?
    Paying your monthly credit card bill is easy. Choose from these convenient options:

    • Phone: call 1-888-257-6837 to make a one-time payment or to setup ongoing recurring payments with our Autopay service.

    • Mail: Use the tear-off coupon included in your statement and send to:

      RBC Bank Cardholder Service
      PO Box 981350
      Boston, MA 02298-1350

    • Online Bill Pay: If you are currently enrolled in RBC Bank Online Bill Pay, add RBC Bank Cardholder Services as a biller. Be sure to use the new RBC Bank Cardholder Services billing address provided in your statement and be sure to include your new account number. If you already have RBC Bank Cardholder Services in your list of payees, please ensure that it's using your new account number and our new billing address. If you haven't enrolled in RBC Bank Online Bill Pay, simply login to your RBC Bank online account and click on the "Pay Bills" tab. One business day after enrolling in RBC Bank Online Bill Pay, you will then be able to add RBC Bank as a biller. Simply login to RBC Bank Online Banking, click on the "Pay Bills" tab, then click on "Add a bill" from the menu at the top and follow the instructions on the screen.
    How do I link my RBC Bank and RBC Royal Bank online accounts so I can use single-sign on and make cross-border transfers?
    Follow these simple steps to link your U.S. and Canadian accounts:
    1. Login to RBC Bank Online Banking
    2. Click on Customer Service tab
    3. Choose the "My Profile and Preferences" link
    4. Click on "Link your RBC Royal Bank and RBC U.S. Banking accounts"
    How can I pay for my RBC Bank Mortgage?
    Clients with RBC Bank mortgages can make payments via:
    • Automatic Bank Draft: Simply follow the instructions on the Automatic Payment (ACH) Authorization form
    • Phone: Please contact our mortgage loan administration customer service department at 1-877-629-6989 to enroll in our "Mortgage Pay-by-Phone" service
    • Mail: Use the tear-off coupons included in your mortgage statement and send payments to P.O. Box 986, Newark, NJ 07184-0986
    • Online Bill Pay: Simply add RBC Bank Mortgage as a biller within RBC Bank. Be sure to include your new loan number and new payment address (P.O. Box 986, Newark, New Jersey 07184-0986)
    • Online Mortgage Loan Administration Website: Login to the RBC Bank Online Mortgage Loan Administration website to make your payments online.