How do I pay my RBC Bank credit card bill?

That’s easy! There are several ways.

To avoid foreign transaction fees, simply use Online Banking to transfer funds from your U.S. account. Simply sign in to Online Banking and follow these simple steps using our convenient credit card transfer tool.

STEP 1
Specify the details of your transfer by entering the amount you wish to pay and selecting the ”From Account” you’d like to pay from. Then select your RBC Bank Credit card from the “To Account” menu.

STEP 2
Schedule your payment and specify whether you would like it to be an immediate payment or a scheduled one-time or recurring payment. Click Submit.

STEP 3
Click Submit again to place the funds transfer.

Important information about credit card payment transfers
You can make payments to your U.S. RBC Bank Credit card only from your U.S. RBC Bank checking or savings account. The amount of your payment cannot be more than your current credit card balance. Credit card payments will be deducted from your deposit account in real time based on the date you scheduled, and your payment will be credited to your account on the date you made the payment. While the credit card payment will not display in online banking for approximately two to three days, it will reflect the actual date you made the payment.

To pay over the telephone, call 1-888-257-6837. By mail, send your payment by U.S. Postal Service to:

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

Where can I find the nearest no-fee ATM?

Visit our no-fee ATM Locator. In the U.S., you can use your RBC Bank debit card at thousands of no-fee ATMs1 (called ABMs in Canada) to access funds from either your checking or savings account. Also, you can use your RBC Bank Visa‡ Debit card at any Visa, NYCE, or PLUS ATM, and there’s never an RBC Bank fee. Upon request, we’ll refund any ATM transaction fees other banks charge – up to four per month for Preferred Checking account holders and two per month for our Royal Embassy account holders.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

How do I link my RBC Bank and RBC Royal Bank™ online accounts for single sign-in?

Follow these simple steps to link your RBC Bank (U.S.) and RBC Royal Bank™ (Canadian) accounts. Once they’re linked, you can transfer funds1 instantly, for free, between your U.S. and Canadian RBC accounts.1

  1. Sign in to Online Banking.
  2. Select the Customer Service tab.
  3. Click: My Profile and Preferences.
  4. Click: Link your RBC Royal Bank™ and RBC U.S. banking accounts.

1 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.

Can I transfer funds between my U.S. and Canadian bank accounts?

Yes, you can make instant, free cross-border transfers1 with a single sign-in to RBC Bank Online Banking. Your deposit appears instantly. There are no limits to the number of transfers you can initiate per month from your checking account.

1 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.

Is there a limit to the amount I can transfer between my RBC Royal Bank and RBC Bank accounts?

Cross-border transfers1 between your RBC Royal Bank™ and RBC Bank accounts via Online Banking 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), and an RBC Bank Advisor can accommodate single transfers up to and including $100,000.

1 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.

What does RBC Bank’s Online Banking & Bill Pay offer?

It offers you convenience, speed, and security. With a single sign-in, you can access and manage both your U.S. and Canadian accounts, once they are linked. Then you can make instant cross-border funds transfers1 for free and transfer money between your RBC Bank accounts and other U.S.-based financial institutions. When you sign up for eStatements, you can view your checking account statements and checks from anywhere, at any time. That’s more secure than having them sent by postal mail, especially if you are traveling. Online Banking also allows you to deposit checks with your smartphone (or your computer and scanner) from anywhere, using U.S. Remote Deposit.2 So you can conveniently deposit U.S. checks right from your kitchen table – or anywhere else.

With online bill payment, you can:

  • Set up one-time or recurring payments to U.S. companies or individuals up to a year in advance
  • Make next-day electronic payments to many U.S. companies
  • View and manage your scheduled payments, companies or individuals who bill you electronically, and bill reminders
  • While you’re signed in, you also can switch to your RBC Royal Bank (Canadian) accounts to access and pay your Canadian bills. 

Learn more. U.S. Online Banking frequently asked questions.

1 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 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

Does RBC Bank offer eStatements?

Yes. Enrolling is easy, and eStatements are free! In RBC Bank Online Banking, simply enroll to receive eStatements and you’ll receive an email notification each time your new eStatement is ready for viewing. Your eStatement will be available for viewing for 24 months.

To enroll:

Sign in to your U.S. Online Banking.
Click My Services.
From the drop-down menu, select eStatements.
Select any or all of your RBC Bank deposit accounts. Then review and agree to the Terms & Conditions.
Click Submit.

Learn more. eStatements Frequently Asked Questions

How do I make a remote deposit?

To make a remote deposit, 1 begin by calling us at 1-800 Royal 5-3 (1-800-769-2553) to get your temporary user name and password. Next, you’ll sign in to our U.S. Remote Deposit website, set up your preferred user name, password, and security questions, and accept the Terms and Conditions. Now you’re ready to get started!

How to make your remote deposit using your smartphone
Note: Make sure you already have called us to get your temporary user name and password and have visited the U.S. Remote Deposit website to establish your sign-in profile as described above.

From your smartphone’s app store, download the free RBC Bank U.S. Remote Deposit mobile app.

iPhone
Android
Blackberry

To deposit your check, first endorse (sign) the back of your check. Most checks have gray lines to show you where to endorse them. Flip your check over, turn it so the narrow width is at the top, and write your signature across the top. Below that, write the words, "For Deposit Only RBC Bank RDC." How to endorse your check for remote deposit 

  1. Open the U.S. Remote Deposit application on your phone and sign in using your secure user name and password.
  2. Select Deposit and Account, and then enter the amount.
  3. Take pictures of both the front and back of the endorsed check, making sure you get all four corners of the check in the picture.
  4. Click Continue. You’ll receive a message that the upload is successful.
  5. Select Submit to view the deposit confirmation. RBC Bank will send you a final email confirmation.
  6. Sign out.

We'll send you an email to let you know we've received your deposit, and we’ll follow up with a final email confirmation once your deposit has been processed and the funds are in your account.

How to make your deposit using your computer and scanner
Note: Make sure you already have called us to get your temporary user name and password and have visited the U.S. Remote Deposit website to establish your sign-in profile as described above.

First, endorse (sign) the back of your check. Most checks have gray lines to show you where. Flip your check over, turn it so the narrow width is at the top, and write your signature across the top. Below that, write the words, “For Deposit Only RBC Bank RDC.” Click here to see how to endorse your check for remote deposit.

  1. At our U.S. Remote Deposit website, sign in using your secure user name and PIN and click on Make a Deposit.
  2. Choose the account you’d like to make the deposit to and enter the amount of your deposit. Click Continue.
  3. Select the scanner connected to your computer. Note: Your scanner must be TWAIN compliant, as are most scanners sold in the past four years. The TWAIN interface allows your computer and scanner to communicate.
  4. Scan both the front and back of the endorsed check.
  5. Click Submit to send the deposit to us.
  6. Sign out.

We'll send you an email to let you know we've received your deposit and we’ll follow up with a final email confirmation once your deposit has been processed and the funds are in your account.

Watch the videos
How to sign up for U.S. Remote Deposit (2 min).
How to make a U.S. Remote Deposit (2 min).

View U.S. Remote Deposit Terms & Conditions

1 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

How do I deposit cash in the U.S.?

You can use your RBC Bank Visa‡ Debit card to deposit U.S. currency at any of thousands of no-fee ATMs that accept deposits. You cannot deposit Canadian currency. Please do not send cash via U.S. mail. 

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

Does RBC Bank charge ATM fees?

When you use your RBC Bank Visa‡ Debit card at any Visa, NYCE, or PLUS ATM, there’s never an RBC Bank fee. Upon request, we’ll refund any ATM transaction fees other banks charge – up to four per month for Preferred Checking account holders and two per month for our Royal Embassy Checking account holders. Simply request your refund by calling 1-800 ROYAL 5-3 (1-800-769-2553). Or send us a secure message by signing in to online banking.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

Why can't I make cross-border transfers during certain times in the day?

Cross-border funds transfer1 capabilities are not available during our daily system maintenance, which occurs at 6:25 a.m. to 6:35 a.m. Eastern Time and 7:55 p.m. to 8:05 p.m. Eastern Time.

1 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.

How can I make payments on my RBC Bank mortgage or home equity line of credit?

We give you several mortgage payment options.

  • Automatic bank draft. Simply follow the instructions on the Loan Administration 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. Send payments in U.S. dollars, using checks drawn on a U.S. financial institution, to:

RBC Bank, NA C/1 Central Loan Administration and Reporting
P.O. Box 986
Newark, NJ 07184-0986

  • Online Bill Pay. Simply add RBC Bank Mortgage as a biller within RBC Bank Online Banking. Be sure to include your loan number and payment address (RBC Bank, NA C/1 Central Loan Administration and Reporting, P.O. Box 986, Newark, New Jersey 07184-0986)
  • RBC Bank Online Mortgage Loan Administration website. Sign in here or on the home page to make your payments online. 

To make home equity line of credit payments, options include:

RBC Bank Consumer Loan Servicing
P.O. Box 90248
Raleigh, NC 27675-0248

  • Online Bill Pay. Make your scheduled payments online using your RBC Bank Online Banking account.
How do I send a wire transfer?

To send wire transfers with RBC Bank, you must first sign and submit a one-time Wire Transfer Agreement. Once we’ve received your signed agreement, you can send a wire transfer by calling us at 1-800 ROYAL 5-3 (1-800-769-2553).

A wire transfer involves a sending bank and a beneficiary bank or a receiving bank. Have this information ready when you call: 

Your name and account number

The name, address, and account number of the person/business to whom you’re sending the wire

Beneficiary bank (bank where the person/business receiving your wire transfer has an account)
Name and address
ABA/routing number
SWIFT Code

Receiving bank (if the beneficiary bank uses a receiving, or intermediary, bank)
Name and address
ABA/routing number (also called an institution or ABA number)
SWIFT Code

IMPORTANT NOTE: Many banks use an intermediary bank as their receiving bank. If so, be sure to use the intermediary bank’s name, address, routing number, and SWIFT Code. If you use the final beneficiary bank’s information, that may create a significant delay in processing. 

How do I receive a wire transfer?

To receive an incoming domestic or international wire transfer, please download the Instructions for Receiving Wires, which will tell you what information you should provide to the person or business initiating the transaction (sending the wire transfer to you).

Download the Instructions for Receiving Wire Transfers here.

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.

What is the RBC Bank routing (institution, or ABA) number?

RBC Bank's routing number is 063216608. It also may be called an institution number or an ABA number. On U.S. checks, a bank's nine-digit number is located on the lower left edge. It is used to identify a financial institution. 

Click to view the full image
How do I dispute an electronic fund transfer transaction?

If you believe your account has been subject to an incorrect, unauthorized, or unrecognized electronic fund transfer, you can ask the bank to investigate.

Contact us at 1-800- ROYAL 5-3 (1-800-769-2553) to get started. 

What form do I use?
It is important that you use the correct form, which will differ depending on the type of transaction you are disputing. Each type of transaction is described below. If you use the incorrect form, your resolution could be significantly delayed. 

Our phone representative may ask you to use one of these forms:
For a debit card transaction you authorized –
Statement of Alleged Error or Dispute
For a debit card transaction you DID NOT authorize –
Affidavit of Unauthorized Use
For an electronic transaction NOT involving your debit card –
Statement of Unauthorized Debit – ACH

Where do I send my written notice or affidavit? 
Send your completed form:
By fax to: 724-779-2479
By mail to: RBC Bank, PO Box 2461, Cranberry TWP, PA 16066

What information will you need when I call? 
For debit card or similar disputes/errors, be prepared to provide: 

  • Merchant or business name
  • Date of transaction
  • Amount of transaction
  • Description of error
  • Whether your card was in your possession at the time of the unauthorized transaction
How do I get cash?

That’s easy! In the U.S., you can get cash back with your RBC Bank Visa‡ Debit card purchases at many larger retail merchants, such as grocery stores. So there’s no need to find an ATM. At the store, before you finish your purchase, use your debit card and PIN to select “cash back” at the card terminal. Some merchants limit the amount of cash you can get at one time, so be sure to ask beforehand. 

You also can get cash with your debit card at any of thousands of no-fee ATMs as well as any other Visa, NYCE, or PLUS ATM, and there’s never an RBC Bank fee. Upon request, we’ll refund ATM transaction fees other banks charge – up to four per month for Preferred Checking account holders and two for RBC Bank Royal Embassy account holders.

Visit our no-fee ATM Locator.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

What is U.S. Remote Deposit?

U.S. Remote Deposit1 is a convenient, secure, and free way to use your smartphone – or your personal computer, scanner, and internet connection – to deposit U.S. dollar checks drawn on U.S. banks into your RBC Bank checking or savings account.

1 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

How do I dispute a remittance transfer?

If you believe there has been an error involving a remittance transfer, you can ask the bank to investigate. Contact us at 1-800- ROYAL 5-3 (1-800-769-2553) to get started.

Does the bank require a written notice or an affidavit for a disputed transaction?

This depends upon the type of transaction. We may require written notice of an electronic fund transfer error within 10 business days from the time you notify us by telephone. If written notice is required, we will notify you at the time you contact us.

We may ask you to use a specific form. To avoid delays, be sure to use the correct one. They are listed above.

At this time, we do not require written notice for remittance transfer errors.

For more information, visit Disputing a transaction and Transaction disputes.

How do I dispute an electronic fund transfer transaction?

If you believe your account has been subject to an incorrect, unauthorized, or unrecognized electronic fund transfer, you can ask the bank to investigate.

Contact us at 1-800- ROYAL 5-3 (1-800-769-2553) to get started. 

What form do I use?
It is important that you use the correct form, which will differ depending on the type of transaction you are disputing. Each type of transaction is described below. If you use the incorrect form, your resolution could be significantly delayed. 

Our phone representative may ask you to use one of these forms:
For a debit card transaction you authorized –
Statement of Alleged Error or Dispute
For a debit card transaction you DID NOT authorize –
Affidavit of Unauthorized Use
For an electronic transaction NOT involving your debit card –
Statement of Unauthorized Debit – ACH

Where do I send my written notice or affidavit? 
Send your completed form:
By fax to: 724-779-2479
By mail to: RBC Bank, PO Box 2461, Cranberry TWP, PA 16066

What information will you need when I call? 
For debit card or similar disputes/errors, be prepared to provide: 

  • Merchant or business name
  • Date of transaction
  • Amount of transaction
  • Description of error
  • Whether your card was in your possession at the time of the unauthorized transaction
How do I dispute a remittance transfer?

If you believe there has been an error involving a remittance transfer, you can ask the bank to investigate. Contact us at 1-800- ROYAL 5-3 (1-800-769-2553) to get started.

Does the bank require a written notice or an affidavit for a disputed transaction?

This depends upon the type of transaction. We may require written notice of an electronic fund transfer error within 10 business days from the time you notify us by telephone. If written notice is required, we will notify you at the time you contact us.

We may ask you to use a specific form. To avoid delays, be sure to use the correct one. They are listed above.

At this time, we do not require written notice for remittance transfer errors.

For more information, visit Disputing a transaction and Transaction disputes.

What does RBC Bank’s Online Banking & Bill Pay offer?

It offers you convenience, speed, and security. With a single sign-in, you can access and manage both your U.S. and Canadian accounts, once they are linked. Then you can make instant cross-border funds transfers1 for free and transfer money between your RBC Bank accounts and other U.S.-based financial institutions. When you sign up for eStatements, you can view your checking account statements and checks from anywhere, at any time. That’s more secure than having them sent by postal mail, especially if you are traveling. Online Banking also allows you to deposit checks with your smartphone (or your computer and scanner) from anywhere, using U.S. Remote Deposit.2 So you can conveniently deposit U.S. checks right from your kitchen table – or anywhere else.

With online bill payment, you can:

  • Set up one-time or recurring payments to U.S. companies or individuals up to a year in advance
  • Make next-day electronic payments to many U.S. companies
  • View and manage your scheduled payments, companies or individuals who bill you electronically, and bill reminders
  • While you’re signed in, you also can switch to your RBC Royal Bank (Canadian) accounts to access and pay your Canadian bills. 

Learn more. U.S. Online Banking frequently asked questions.

1 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 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

How do I enroll in Online Banking?

You can enroll online in about 10 minutes by visiting
Online Banking Enrollment. You’ll need to have on hand:

  • Your RBC Bank Client Number
  • Your RBC Bank checking or savings account number
  • Your RBC Bank Debit card or Credit card
  • Basic knowledge of your RBC accounts
How can I be sure my Online Banking messages are secure?

The secure messages 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, which include 128-bit encryption to ensure no one can access your personal information.

What types of bills can I pay with Online Bill Pay?

You can pay practically any U.S. individual or U.S. company using our Online Bill Pay. You can set up one-time or recurring payments for ebills you receive, and you can set up online bill payment to pay either a specific amount or a varying amount.

In the U.S., however, you cannot use Online Bill Pay to pay taxes or court-ordered payments.

Generally, there are two types of bills you can pay using Online Bill Pay.
Recurring fixed payments – bills due in the same amount on a regular basis, such as mortgage, car, or student loan payments
Recurring variable payments –bills you pay regularly, but the amount may change from period to period, such as utilities or credit card payments

To use online bill payment, follow these steps.

  1. Sign in to Online Banking.
  2. Click the Pay Bills tab.
  3. From the menu at the top, click Add a bill and follow the instructions on the screen.
How do I link my RBC Bank and RBC Royal Bank™ online accounts for single sign-in?

Follow these simple steps to link your RBC Bank (U.S.) and RBC Royal Bank™ (Canadian) accounts. Once they’re linked, you can transfer funds1 instantly, for free, between your U.S. and Canadian RBC accounts.1

  1. Sign in to Online Banking.
  2. Select the Customer Service tab.
  3. Click: My Profile and Preferences.
  4. Click: Link your RBC Royal Bank™ and RBC U.S. banking accounts.

1 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.

Is there a limit to the amount I can transfer between my RBC Royal Bank and RBC Bank accounts?

Cross-border transfers1 between your RBC Royal Bank™ and RBC Bank accounts via Online Banking 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), and an RBC Bank Advisor can accommodate single transfers up to and including $100,000.

1 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.

How do 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 conversion rate will appear. At that time, you can select to either complete or cancel your transaction.

You also can use the RBC Royal Bank™ foreign exchange currency converter.

How long will it take for an online cross-border transfer to appear in my account?

If you are making an online transfer1 between RBC Bank and/or RBC Royal Bank™ accounts, the deposit credit will appear immediately. 

1 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.

Why can't I make cross-border transfers during certain times in the day?

Cross-border funds transfer1 capabilities are not available during our daily system maintenance, which occurs at 6:25 a.m. to 6:35 a.m. Eastern Time and 7:55 p.m. to 8:05 p.m. Eastern Time.

1 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.

How can I transfer money between my accounts with RBC Bank and those I hold with other U.S. financial institutions?

If you are the sole or joint owner of external U.S. banking account(s) and you’d like to make transfers to and from your RBC Bank accounts,1 you can add them to RBC Bank Online Banking. Transfers can be immediate, future-dated, or recurring. The cutoff time is 8 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, or money market savings) are eligible for TO and FROM using the Online Banking External Transfer. Simply sign in to Online Banking and select the Transfer Funds section to get started. You may have a maximum of five external accounts.

1 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.

How do I add external accounts from other U.S. financial institutions into my RBC Bank Online Banking?

To add external accounts in Online Banking, you will need the institution’s name, routing number, account number, type of account, and account owner. It will take up to five business days to confirm the account is added.

Here's how to add accounts you hold with other banks to your RBC Bank Online Banking.

  1. Sign in to RBC Bank Online Banking.
  2. Click the Transfer Funds tab and from the menu, select Registered External Accounts.
  3. On the Registered External Accounts page, click Add.
  4. Enter the institution and account information, including: routing number, account number, type of account, and account owner.
  5. Click Submit. Then sign out.
  6. Over the course of up to five business days, RBC Bank will make up to two micro-deposits (less than $1) to the external account specified by you. Wait five business days before taking the next step.
  7. Sign in to RBC Bank Online Banking.
  8. Click the Transfer Funds tab and from the dropdown menu, select Pending External Accounts.
  9. Select the applicable external account and click Verify.
  10. Enter the amount of the micro-deposits and click Submit. 
Does RBC Bank offer eStatements?

Yes. Enrolling is easy, and eStatements are free! In RBC Bank Online Banking, simply enroll to receive eStatements and you’ll receive an email notification each time your new eStatement is ready for viewing. Your eStatement will be available for viewing for 24 months.

To enroll:

  1. Sign in to your U.S. Online Banking.
  2. Click My Services.
  3. From the drop-down menu, select eStatements.
  4. Select any or all of your RBC Bank deposit accounts. Then review and agree to the Terms & Conditions.
  5. Click Submit.

Learn more. eStatements Frequently Asked Questions

May I order paper copies of statements or check images I can't see online?

Yes. If you are enrolled in eStatements, your check images can be viewed and printed at no charge from your Online Banking. To request paper copies of your checks and/or statements, call 1-800 ROYAL 5-3 (1-800-769-2553) or sign in to Online Banking and send us a secure message. Fees may apply.

What is U.S. Remote Deposit?

U.S. Remote Deposit1 is a convenient, secure, and free way to use your smartphone – or your personal computer, scanner, and internet connection – to deposit U.S. dollar checks drawn on U.S. banks into your RBC Bank checking or savings account.

1 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

How do I make a remote deposit?

To make a remote deposit, 1 begin by calling us at 1-800 Royal 5-3 (1-800-769-2553) to get your temporary user name and password. Next, you’ll sign in to our U.S. Remote Deposit website, set up your preferred user name, password, and security questions, and accept the Terms and Conditions. Now you’re ready to get started!

How to make your remote deposit using your smartphone
Note: Make sure you already have called us to get your temporary user name and password and have visited the U.S. Remote Deposit website to establish your sign-in profile as described above.

From your smartphone’s app store, download the free RBC Bank U.S. Remote Deposit mobile app.

iPhone
Android
Blackberry

To deposit your check, first endorse (sign) the back of your check. Most checks have gray lines to show you where to endorse them. Flip your check over, turn it so the narrow width is at the top, and write your signature across the top. Below that, write the words, "For Deposit Only RBC Bank RDC." How to endorse your check for remote deposit 

  1. Open the U.S. Remote Deposit application on your phone and sign in using your secure user name and password.
  2. Select Deposit and Account, and then enter the amount.
  3. Take pictures of both the front and back of the endorsed check, making sure you get all four corners of the check in the picture.
  4. Click Continue. You’ll receive a message that the upload is successful.
  5. Select Submit to view the deposit confirmation. RBC Bank will send you a final email confirmation.
  6. Sign out.

We'll send you an email to let you know we've received your deposit, and we’ll follow up with a final email confirmation once your deposit has been processed and the funds are in your account.

How to make your deposit using your computer and scanner
Note: Make sure you already have called us to get your temporary user name and password and have visited the U.S. Remote Deposit website to establish your sign-in profile as described above.

First, endorse (sign) the back of your check. Most checks have gray lines to show you where. Flip your check over, turn it so the narrow width is at the top, and write your signature across the top. Below that, write the words, “For Deposit Only RBC Bank RDC.” Click here to see how to endorse your check for remote deposit.

  1. At our U.S. Remote Deposit website, sign in using your secure user name and PIN and click on Make a Deposit.
  2. Choose the account you’d like to make the deposit to and enter the amount of your deposit. Click Continue.
  3. Select the scanner connected to your computer. Note: Your scanner must be TWAIN compliant, as are most scanners sold in the past four years. The TWAIN interface allows your computer and scanner to communicate.
  4. Scan both the front and back of the endorsed check.
  5. Click Submit to send the deposit to us.
  6. Sign out.

We'll send you an email to let you know we've received your deposit and we’ll follow up with a final email confirmation once your deposit has been processed and the funds are in your account.

Watch the videos
How to sign up for U.S. Remote Deposit (2 min).
How to make a U.S. Remote Deposit (2 min).

View U.S. Remote Deposit Terms & Conditions

1 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

Do I have to pay to use U.S. Remote Deposit?

There is no fee to download or use the U.S. Remote Depositapplication to make deposits. 

1 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

How long does it take for a remote deposit to post to my account?

For remote deposit,1 our current cutoff time by which we must receive images from you for processing on the same business day (defined as Monday through Friday, excluding banking holidays) is 5 p.m. Eastern Time). You will receive notice should the cutoff time change, and such notice may be provided electronically or in writing at our discretion. Any deposit received after the deadline will be deemed received and will be processed on the following business day.

1 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

Does RBC Bank offer eStatements?

Yes. Enrolling is easy, and eStatements are free! In RBC Bank Online Banking, simply enroll to receive eStatements and you’ll receive an email notification each time your new eStatement is ready for viewing. Your eStatement will be available for viewing for 24 months.

To enroll:

Sign in to your U.S. Online Banking.
Click My Services.
From the drop-down menu, select eStatements.
Select any or all of your RBC Bank deposit accounts. Then review and agree to the Terms & Conditions.
Click Submit.

Learn more. eStatements Frequently Asked Questions

Besides my checking account statement, what other accounts can I enroll in eStatements?

You can get eStatements on any of your deposit accounts: checking, savings, and money market savings accounts. eStatements for your credit card are not yet available.

How do I enroll in eStatements?

To enroll:

  1. Sign in to your U.S. Online Banking.
  2. Click My Services.
  3. From the drop-down menu, select eStatements.
  4. Select any or all of your RBC Bank deposit accounts. Then review and agree to the Terms & Conditions.
  5. Click Submit.

Learn more. eStatements Frequently Asked Questions

How do I update my eStatement email address?

You can update your eStatement Notification email address online or through Customer Service. To update your email address online:

  1. Sign in to U.S. RBC Bank Online Banking.
  2. At the Account Summary screen, click Customer Service and select My Profile and Preferences.
  3. Select Contact Information and enter your preferred Primary Email address.
  4. Click Submit.
  5. To complete the email address update, view any eStatement. This will trigger the system to update your eStatement Notification email address. Your next eStatement Notification will be sent to the updated email address.

To update your email address through Customer Service, 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 eStatements be available online?

Each account eStatement will remain online for 24 months.

May I order paper copies of statements or check images I can't see online?

Yes. If you are enrolled in eStatements, your check images can be viewed and printed at no charge from your Online Banking. To request paper copies of your checks and/or statements, call 1-800 ROYAL 5-3 (1-800-769-2553) or sign in to online banking and send us a secure message. Fees may apply.

How can I make payments on my RBC Bank mortgage or home equity line of credit?

We give you several mortgage payment options.

  • Automatic bank draft. Simply follow the instructions on the Loan Administration 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. Send payments in U.S. dollars, using checks drawn on a U.S. financial institution, to:

RBC Bank, NA C/1 Central Loan Administration and Reporting
P.O. Box 986
Newark, NJ 07184-0986

  • Online Bill Pay. Simply add RBC Bank Mortgage as a biller within RBC Bank Online Banking. Be sure to include your loan number and payment address (RBC Bank, NA C/1 Central Loan Administration and Reporting, P.O. Box 986, Newark, New Jersey 07184-0986)
  • RBC Bank Online Mortgage Loan Administration website. Sign in here or on the home page to make your payments online. 

To make home equity line of credit payments, options include:

RBC Bank Consumer Loan Servicing
P.O. Box 90248
Raleigh, NC 27675-0248

  • Online Bill Pay. Make your scheduled payments online using your RBC Bank Online Banking account.
How can I make payments on my home equity line of credit?

We give you a variety of payment options.

RBC Bank Consumer Loan Servicing
P.O. Box 90248
Raleigh, NC 27675-0248

  • Online Bill Pay. Make your scheduled payments online using your RBC Bank Online Banking account.
Why do I need to pre-qualify for a U.S. mortgage?

Mortgages1 are different in the U.S., where nearly all buyers need to pre-qualify. In fact, your U.S. real estate agent will probably ask if you have been pre-qualified, and he or she may want to see your pre-qualification letter. Before you begin your search for a U.S. property – about 60 to 90 days before you plan to close on your purchase – it’s important to get pre-qualified so you’ll know how much you may be qualified to borrow and understand how much you can comfortably afford.

1 All loans are subject to approval, including verification of acceptable income, creditworthiness, and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines, and flood insurance is required if property is located in a Special Flood Hazard Area. Escrows may be required. There are closing costs associated with these products.

How long does it take to get a mortgage in the U.S.?

Start early! While applying and securing a mortgage in Canada may take only a few days, in the U.S., loan processing takes around 45 days and begins when you have a sales contract and a completed mortgage application with all of the requested documentation provided. We strongly encourage you to start the mortgage1 application process at least 45 to 60 days before you plan to close on the property. Since in the U.S. you will need to pre-qualify, allow about 60 to 90 days from when you begin to search for properties to when you expect to close your purchase. 

1 All loans are subject to approval, including verification of acceptable income, creditworthiness, and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines, and flood insurance is required if property is located in a Special Flood Hazard Area. Escrows may be required. There are closing costs associated with these products.

How do I pay my RBC Bank credit card bill?

That’s easy! There are several ways.

To avoid foreign transaction fees, simply use Online Banking to transfer funds from your U.S. account. Simply sign in to Online Banking and follow these simple steps using our convenient credit card transfer tool.

STEP 1
Specify the details of your transfer by entering the amount you wish to pay and selecting the ”From Account” you’d like to pay from. Then select your RBC Bank Credit card from the “To Account” menu.

STEP 2
Schedule your payment and specify whether you would like it to be an immediate payment or a scheduled one-time or recurring payment. Click Submit.

STEP 3
Click Submit again to place the funds transfer.

Important information about credit card payment transfers
You can make payments to your U.S. RBC Bank Credit card only from your U.S. RBC Bank checking or savings account. The amount of your payment cannot be more than your current credit card balance. Credit card payments will be deducted from your deposit account in real time based on the date you scheduled, and your payment will be credited to your account on the date you made the payment. While the credit card payment will not display in online banking for approximately two to three days, it will reflect the actual date you made the payment.

To pay over the telephone, call 1-888-257-6837. By mail, send your payment by U.S. Postal Service to:

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

Can I view my credit or debit card activity online?

You’ll find debit card activity on your checking account eStatements. Credit card activity can be seen within the Account Summary transaction history in Online Banking.

How do I report a lost or stolen credit card?

Notify us within two business days after you learn of the loss or theft. We’re here to help 24/7/365. Call 1-800 ROYAL 5-3 (1-800-769-2553).

How do I add money to my account?

There are seven easy ways to deposit money into your checking or savings account.

1. Instant and free cross-border transfers1
Make instant and free funds transfers between your RBC Bank (U.S.) and your RBC Royal Bank™ (Canadian) accounts using RBC Bank Online Banking. There are no fees and no limit to the number of transfers you can make each month.

2. Deposit checks with your smartphone (or computer with a scanner) using U.S. Remote Deposit2.
Deposit U.S. dollar checks drawn on U.S. financial institutions anytime, from anywhere with our U.S. Remote Deposit1 service using your smartphone, tablet, or personal computer with a scanner. There’s no fee. Funds deposited may take up to five business days to become available.

3. Deposit checks at an ATM.
Use your RBC Bank Visa‡ Debit card to deposit U.S. dollar checks drawn on U.S. financial institutions at our no-fee ATMs that accept deposits. Funds deposited at an ATM may take up to five business days to become available. Find an ATM that accepts deposits near you.

4. Direct deposit of your regular payments
Set up automatic deposits for your U.S. dollar paycheck or other regular payments in U.S. dollars you receive. Use the direct deposit instructions of the organization paying you or our direct deposit form. There are no RBC Bank fees for this service. Direct deposit form

5. Transfer funds into your RBC Bank account from accounts you have at other U.S. banks.
Use Online Banking to register accounts you own with other U.S. financial institutions, then make easy online transfers with no fee from RBC Bank. Fees at other banks may apply. Funds transferred may take several business days to become available depending on the policies at other U.S. financial institutions.

6. U.S. mail (United States Postal Service – USPS)
Mail checks in U.S. dollars drawn on any U.S. financial institution with a completed deposit slip to: 
RBC Bank (GA)
PO Box 4598
Carol Stream, IL 60197-9924

To request your free, postage-paid bank-by-mail envelopes or additional deposit slips, call 1-800 ROYAL 5-3 (1-800-769-2553) or click here to email us your request.

7. Wire transfers
Complete domestic and international wire transfers between accounts you own or with others. To get started, see FAQs – Wire transfers

‡ Other trademarks are the property of their respective owners.

1 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 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

How do I deposit cash in the U.S.?

You can use your RBC Bank Visa‡ Debit card to deposit U.S. currency at any of thousands of no-fee ATMs that accept deposits. You cannot deposit Canadian currency. Please do not send cash via U.S. mail. 

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

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 in Online Banking, Automated Telephone Banking at 1-800 ROYAL 5-3 (1-800-769-2553), or your monthly statement or eStatement to confirm your deposit.

How long will it take for an online or wire deposit to appear in my account?

If you are making an Online Funds Transfer between your 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.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

Do I have to pay to use U.S. Remote Deposit?

There is no fee to download or use the U.S. Remote Deposit1 application and make deposits.

1 Limits apply. A maximum of three deposits per day totaling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totaling no more than $7,000 in deposited items. Contact us for higher limits if needed.

How many deposits can I make each month?

Make as many deposits as you want into your checking, savings, and money market savings accounts. You can make an initial funding deposit into a certificate of deposit (CD),1 but you can’t add more money until maturity. Additional funds can be added at maturity and during the grace period.

1 A penalty may be imposed for early withdrawal. Fees could reduce earnings.

How do I get cash?

That’s easy! In the U.S., you can get cash back with your RBC Bank Visa‡ Debit card purchases at many larger retail merchants, such as grocery stores. So there’s no need to find an ATM. At the store, before you finish your purchase, use your debit card and PIN to select “cash back” at the card terminal. Some merchants limit the amount of cash you can get at one time, so be sure to ask beforehand. 

You also can get cash with your debit card at any of thousands of no-fee ATMs as well as any other Visa, NYCE, or PLUS ATM, and there’s never an RBC Bank fee. Upon request, we’ll refund ATM transaction fees other banks charge – up to four per month for Preferred Checking account holders and two for RBC Bank Royal Embassy account holders.

Visit our no-fee ATM Locator.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

Does RBC Bank charge ATM fees?

When you use your RBC Bank Visa‡ Debit card at any Visa, NYCE, or PLUS ATM, there’s never an RBC Bank fee. Upon request, we’ll refund any ATM transaction fees other banks charge – up to four per month for Preferred Checking account holders and two per month for our Royal Embassy Checking account holders. Simply request your refund by calling 1-800 ROYAL 5-3 (1-800-769-2553). Or send us a secure message by signing in to online banking.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

What happens if I make many ATM withdrawals using ATMs owned by other banks?

RBC Bank will not charge you for any ATM transactions, but we can't control the fees that banks that own the ATMs may charge. Upon request, we’ll refund any ATM transaction fees other banks charge – up to four per month for Preferred Checking account holders and two per month for our Royal Embassy account holders. You can avoid paying ATM fees by getting cash back with your debit-card purchases at larger retailers such as grocery stores. Or, you can withdraw a larger amount of cash each time you visit an ATM.

Where can I find the nearest no-fee ATM?

Visit our no-fee ATM Locator. In the U.S., you can use your RBC Bank debit card at thousands of no-fee ATMs1 (called ABMs in Canada) to access funds from either your checking or savings account. Also, you can use your RBC Bank Visa‡ Debit card at any Visa, NYCE, or PLUS ATM, and there’s never an RBC Bank fee. Upon request, we’ll refund any ATM transaction fees other banks charge – up to four per month for Preferred Checking account holders and two per month for our Royal Embassy account holders.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

Can I transfer funds between my U.S. and Canadian bank accounts?

Yes, you can make instant, free cross-border transfers1 with a single sign-in to RBC Bank Online Banking. Your deposit appears instantly. There are no limits to the number of transfers you can initiate per month from your checking account.

1 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.

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. You may link your RBC Royal Bank™ and RBC Bank accounts in Online Banking and make cross-border transfers1 at no cost. 

1 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.

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've signed in to Online Banking.

How can I transfer money between my accounts with RBC Bank and those I hold with other U.S. financial institutions?

If you are the sole or joint owner of external U.S. banking account(s) and you’d like to make transfers to and from your RBC Bank accounts, you can add them to RBC Bank Online Banking. Transfers can be immediate, future-dated, or recurring. The cutoff time is 8 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, or money market savings) are eligible for TO and FROM using the Online Banking External Transfer. Simply sign in to Online Banking and select the Transfer Funds section to get started. You may have a maximum of five external accounts.

Can I transfer funds at an ATM?

At this time, you cannot transfer funds between your RBC Bank accounts using an ATM.

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.

Is there a limit to the amount I can transfer between my RBC Royal Bank and RBC Bank accounts?

Cross-border transfers1 between your RBC Royal Bank™ and RBC Bank accounts via Online Banking 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), and an RBC Bank Advisor can accommodate single transfers up to and including $100,000.

1 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.

How do 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 conversion rate will appear. At that time, you can select to either complete or cancel your transaction.

Why can't I make cross-border transfers during certain times in the day?

Cross-border funds transfer1 capabilities are not available during our daily system maintenance, which occurs at 6:25 a.m. to 6:35 a.m. Eastern Time and 7:55 p.m. to 8:05 p.m. Eastern Time.

‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

1 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.

How do I send a wire transfer?

To send wire transfers with RBC Bank, you must first sign and submit a one-time Wire Transfer Agreement. Once we’ve received your signed agreement, you can send a wire transfer by calling us at 1-800 ROYAL 5-3 (1-800-769-2553).

A wire transfer involves a sending bank and a beneficiary bank or a receiving bank. Have this information ready when you call:

Your name and account number

The name, address, and account number of the person/business to whom you’re sending the wire

Beneficiary bank (bank where the person/business receiving your wire transfer has an account)
Name and address
ABA/routing number
SWIFT Code

Receiving bank (if the beneficiary bank uses a receiving, or intermediary, bank)
Name and address
ABA/routing number (also called an institution or ABA number)
SWIFT Code

IMPORTANT NOTE: Many banks use an intermediary bank as their receiving bank. If so, be sure to use the intermediary bank’s name, address, routing number, and SWIFT Code. If you use, instead, the final beneficiary bank’s information, that may create a significant delay in processing. 

How do I receive a wire transfer?

To receive an incoming domestic or international wire transfer, please download the Instructions for Receiving Wires, which will tell you what information you should provide to the person or business initiating the transaction (sending the wire transfer to you).

Download the Instructions for Receiving Wire Transfers here.

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.

What ways to pay bills does RBC Bank offer?

We offer three convenient ways to pay U.S. bills: Online Bill Pay, paper checks, and automated (ACH) payments.

What does RBC Bank’s Online Bill Pay offer?

RBC Bank’s Online Bill Pay is one of the most flexible and convenient options for paying your bills. You can pay bills you receive from any U.S. company or pay U.S. individuals simply by filling in their name, address, and your account number. You can schedule regular U.S. payments so they occur even when you’re in Canada. That’s an important service, since post-dated checks are not accepted in the U.S.

With online bill payment, you can:

  • Set up one-time or recurring payments to U.S. companies or individuals up to a year in advance
  • Make next-day electronic payments to many companies
  • View and manage your scheduled payments, companies or individuals who bill you electronically, and bill reminders
  • While you’re signed in, you also can switch to your RBC Royal Bank (Canadian) accounts to access and pay your Canadian bills.  
What types of bills can I pay with online bill payment?

You can pay practically any U.S. individual or U.S. company by using our online bill payment. You can set up one-time or recurring payments for ebills you receive, and you can set up online bill payment to pay either a specific amount or a varying amount.

In the U.S., however, you cannot use online bill payment to pay taxes or court-ordered payments.

Generally, there are two types of bills you can pay using Online Bill Pay.

Recurring fixed payments – bills due in the same amount on a regular basis, such as mortgage, car, or student loan payments

Recurring variable payments –bills you pay regularly, but the amount may change from period to period, such as utilities or credit card payments

To use online bill payment follow these steps.

  1. Sign in to Online Banking.
  2. Click the Pay Bills tab.
  3. From the menu at the top, click Add a bill and follow the instructions on the screen.
How do I make automated (ACH) payments?

At your request, many companies will set up monthly payments drawn directly from your checking account for regular bills, such as mortgage payments, credit card payments, homeowner association dues, and more. It’s faster than writing a check and is automated so the payment is made each month, assuming your account has the funds to cover the payment.

Can I pay U.S. bills with my credit and/or debit card?

Yes. You simply provide your card number and expiration date to the company whose bill you want to pay.

May I still get a paper statement mailed to me?

Yes. To receive paper statements, you can sign in to Online Banking and make the selection within the Profile and Preferences section to start receiving paper statements. Royal Embassy Checking account holders will be charged $1 per monthly paper statement.

How can I order copies of statements or check images?

To request paper copies of your checks and/or statements, call 1-800 ROYAL 5-3 (1-800-769-2553) or sign in to Online Banking and send us a secure message. Fees may apply.

How long will my eStatements be available online?

Each account eStatement will remain online for 24 months.

How can I be sure my Online Banking messages are secure?

The secure messages 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, which include 128-bit encryption to ensure no one can access your personal information.

How do I link my RBC Bank and RBC Royal Bank online accounts for single sign-in?

Follow these simple steps to link your RBC Bank (U.S.) and RBC Royal Bank™ (Canadian) accounts. Once they’re linked, you can transfer funds instantly, for free, between your U.S. and Canadian RBC accounts.1

  1. Sign in to Online Banking.
  2. Select the Customer Service tab.
  3. Click: My Profile and Preferences.
  4. Click: Link your RBC Royal Bank and RBC U.S. banking accounts.

1 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.

How do I send a wire transfer?

To send wire transfers with RBC Bank, you must first sign and submit a one-time Wire Transfer Agreement. Once we’ve received your signed agreement, you can send a wire transfer by calling us at 1-800 ROYAL 5-3 (1-800-769-2553).

A wire transfer involves a sending bank and a beneficiary bank or a receiving bank. Have this information ready when you call: 

Your name and account number

The name, address, and account number of the person/business to whom you’re sending the wire

Beneficiary bank (bank where the person/business receiving your wire transfer has an account)
Name and address
ABA/routing number
SWIFT Code

Receiving bank (if the beneficiary bank uses a receiving, or intermediary, bank)
Name and address
ABA/routing number (also called an institution or ABA number)
SWIFT Code

IMPORTANT NOTE: Many banks use an intermediary bank as their receiving bank. If so, be sure to use the intermediary bank’s name, address, routing number, and SWIFT Code. If you use the final beneficiary bank’s information, that may create a significant delay in processing. 

How do I receive a wire transfer?

To receive an incoming domestic or international wire transfer, please download the Instructions for Receiving Wires, which will tell you what information you should provide to the person or business initiating the transaction (sending the wire transfer to you).

Download the Instructions for Receiving Wire Transfers here.

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.

How do I dispute an electronic fund transfer transaction?

If you believe your account has been subject to an incorrect, unauthorized, or unrecognized electronic fund transfer, you can ask the bank to investigate.

Contact us at 1-800- ROYAL 5-3 (1-800-769-2553) to get started. 

What form do I use?
It is important that you use the correct form, which will differ depending on the type of transaction you are disputing. Each type of transaction is described below. If you use the incorrect form, your resolution could be significantly delayed. 

Our phone representative may ask you to use one of these forms:
For a debit card transaction you authorized –
Statement of Alleged Error or Dispute
For a debit card transaction you DID NOT authorize – 
Affidavit of Unauthorized Use
For an electronic transaction NOT involving your debit card – 
Statement of Unauthorized Debit – ACH

Where do I send my written notice or affidavit? 
Send your completed form:

By fax to: 724-779-2479
By mail to: RBC Bank, PO Box 2461, Cranberry TWP, PA 16066

What information will you need when I call? 
For debit card or similar disputes/errors, be prepared to provide: 

  • Merchant or business name
  • Date of transaction
  • Amount of transaction
  • Description of error
  • Whether your card was in your possession at the time of the unauthorized transaction
How do I dispute a remittance transfer?

If you believe there has been an error involving a remittance transfer, you can ask the bank to investigate. Contact us at 1-800- ROYAL 5-3 (1-800-769-2553) to get started.

Does the bank require a written notice or an affidavit for a disputed transaction?

This depends upon the type of transaction. We may require written notice of an electronic fund transfer error within 10 business days from the time you notify us by telephone. If written notice is required, we will notify you at the time you contact us.

We may ask you to use a specific form. To avoid delays, be sure to use the correct one. They are listed above.

At this time, we do not require written notice for remittance transfer errors.

For more information, visit Disputing a transaction and Transaction disputes.

What U.S. consumer protection laws cover electronic transactions?

The U.S. Electronic Fund Transfer Act, Regulation E, protects consumers when they use electronic transfer systems. It outlines the steps that both you and RBC Bank need to take to resolve a dispute or error.

The types of transactions covered include electronic fund transfers such as:

  • Debit card transactions such as ATM withdrawals and deposits or payments for purchases and services
  • Online bill payments
  • Transactions originated by check or draft that the merchant elects to convert to an electronic debit, or e-check
  • Preauthorized recurring deposits and payments to or from your checking or savings accounts, such as insurance payments and direct deposits of paychecks
  • Direct deposits and withdrawals
  • Transfers involving sending money from the United States to other countries, called remittance transfers. At RBC, remittance transfers are:
    • Transfers of funds from your U.S. account at RBC Bank to any of your Royal Bank™ of Canada accounts, when the accounts are linked through our Online Banking
    • Wire transfers you initiate from your RBC Bank account in the U.S. to third parties in foreign countries (including Canada)

 For more information, visit Disputing a transaction and Transaction disputes.

How do I report fraudulent activity?

If you suspect you’ve become a victim of identity theft or fraudulent account activity, we urge you to act quickly.

Contact your bank or creditors for accounts that have been used or opened fraudulently.

  • Close accounts that have been tampered with.
  • Open new ones with new PINs and passwords.

Notify ALL three U.S. credit reporting agencies.

  • Request a fraud alert be placed on your file.
  • Submit a victim’s statement.
  • Request that you be contacted personally to approve any and all new transactions or account openings.

Contact the three major U.S. credit reporting agencies listed here.
TransUnion
1-800-888-4213
TransUnion
To report fraud: 1-800-680-7289  TDD: 1-877-553-7803 [check for accuracy]

Experian
1-888-EXPERIAN (397-3742)
Experian
To report fraud: 888-397-3742 TDD: 1-800-972-0322 [check for accuracy]

Equifax
1-800-685-1111
Equifax
To report fraud: 1-800-525-6285 TDD: 1-800-255-0056, then ask operator to dial 1-800-685-1111 [check for accuracy]

File a police report first in your local community. Then, if the initial fraud took place in another town or city, file a report with that police department as well. And create an identity theft report with the U.S. Federal Trade Commission (FTC) by calling 1-877-IDTHEFT (1-877-438-4338) or visiting www.consumer.gov/idtheft

What do I do if I believe I’m the victim of a scam or fraud?

If you believe your confidential information has been stolen or obtained by a fraudulent party, call us immediately.

For more information please visit the RBC Royal Bank™ web pages at Email and Website Fraud.

RBC Bank US
1-800 ROYAL 5-3 (1-800-769-2553)
TDD/TTY: 1-800-661-1275

Overseas
For toll-free access from 21 countries, dial your country code + 1-800-769-2555. You also may reach us by calling 1-506-864-1555.

If you live in the U.S., also contact your local authorities as well as the U.S. Federal Trade Commission at 1-877-438-4338, or visit www.consumer.gov/idtheft.

How do I protect myself from credit card fraud?

There are a number of measures you can take. First, keep your card and its information safe.

  • Sign your card immediately when you receive it.
  • Carry only the card(s) you expect to use.
  • Keep a list of your account numbers and telephone numbers in a safe, secure location in case you need to report a lost or stolen card. Making a photocopy of the front and back of each card is an easy way to keep track of the numbers associated with each card.
  • Report a lost or stolen card immediately.
  • Notify the card issuer in advance if you have an address change.
  • Do not give your cards to anyone.
  • Keep your PIN secure, and do not keep it with the card.
  • When you are expecting a new card, be on the lookout for it in the mail.

It's also important to safeguard your card info when shopping online.

  • For online shopping, purchase only from reputable companies. Be sure the web page is secure. Look on the page for a notice indicating that area of the website is encrypted.
  • Avoid saving credit card numbers and other personal information to retail shopping sites.

Among other precautions you can take:

  • Never include your credit card number in an email or text message.
  • Review your credit card statement carefully – and often – to spot unfamiliar charges.
  • Never give your credit card information to someone you do not know, by phone or computer.
How do I reset my debit card PIN number?

You may reset your debit card PIN using Automated Telephone Banking.

What is Automated Telephone Banking?

Our Automated Telephone Banking is a free, quick, and convenient way to use your phone to access and manage your U.S. and Canadian accounts.  With it, you can:

  • Check balances and search for specific transactions
  • Transfer funds instantly between your U.S. accounts
  • Get credit card, loan, or line of credit information – balances, interest paid, and available credit
  • Report a lost or stolen debit or credit card
  • Reset your debit card PIN
  • Initiate stop payments
  • Activate your RBC Bank debit or credit card
  • Order checks or get your order status
  • Review your certificate of deposit (CD) maturity date and term
How can I enroll in Automated Telephone Banking?

Enrolling is easy. Just sign in to RBC Bank Online Banking, click Customer Service, and choose My Profile & Preferences. Click Telephone Banking Preferences to create your secure telephone banking PIN and authentication word. Or, simply call 1-800 ROYAL 5-3 (1-800-769-2553), and one of our RBC Bank Advisors will help you complete your Automated Telephone Banking enrollment.

How do I get an RBC Bank debit card?

An RBC Bank Visa‡ Debit card is included with your RBC Bank checking account, and applying to open an account is easy. In the U.S., to get started call 1-800 ROYAL 5-3 (1-800-769-2553) and our dedicated, bilingual RBC Bank Advisors will help you apply. To get started in Canada, simply stop by any RBC Royal Bank™ branch. RBC Royal Bank branch locator

‡ Other trademarks are the property of their respective owners.

1 Deposit limits may apply. See full Terms and Conditions for details.

How do I dispute an electronic transaction such as a fund transfer or a debit card error?

The dispute process varies depending on the type of error. Please see our Frequently asked questions about electronic transaction disputes.

What is the RBC Bank routing (institution, or ABA) number?

RBC Bank's routing number is 063216608. It also may be called an institution number or an ABA number. On U.S. checks, a bank's nine-digit number is located on the lower left edge. It is used to identify a financial institution. 

Click to view the full image