Bank anywhere, anytime

The U.S. is an exciting place to live, work and play

As a Canadian relocating to the U.S., access to U.S. dollars and a U.S.-based credit card is a must for simplifying your financial life. RBC Bank can help you manage your cross-border transfers at great rates conveniently in Online Banking. Access your accounts, pay bills, make deposits1 at any time from your desktop, tablet or mobile device. 

Our recommendation for you is Direct Checking + Visa‡ Signature Black Credit card.

Free and instant2 cross-border money transfers

No-fee cash withdrawals3 from thousands of ATMs

Online Banking with access to your U.S. and Canadian accounts through a single sign-in

No annual fee4 U.S. credit card

Extensive travel insurance5 at no cost with your credit card

Ability to earn RBC Rewards points on purchases. Pool your points with friends/family in the U.S.

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A U.S. mortgage6. As a full-time resident in the U.S., owning a home may make better financial sense for you than renting. Real estate prices in the U.S. are generally less expensive compared to Canada and interest rates are still low. RBC Bank specializes in mortgage lending for Canadians. We’ll never charge a foreign national premium fee, which can add up to 3% on your mortgage rate. We also never charge a pre-payment penalty so you have the option to pay off your loan if you return to Canada.

A Preferred Money Market high-interest savings account7. When you’re in the U.S., your dollars earn more. Putting your excess U.S. dollars in a high-interest savings account is a great way to earn more on your U.S. dollars and have access to your money when you need it. Plus U.S. dollars are FDIC insured8 up to $250,000 per ownership category.

‡ All other trademarks are the property of their respective owners.
All loans and lines of credit are subject to approval.
1 Limits apply. A maximum of three deposits per day totalling no more than $3,500 in deposited items applies. You may transmit a maximum of nine deposits over any five consecutive business days totalling no more than $7,000 in deposited items. Contact us for higher limits if needed.
2 Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when 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 transfer.
3 Standard account fees and transaction limitations will apply. To find a no-fee ATM near you visit If you can't find a no-fee ATM nearby, you can use your RBC Bank Debit card for cash back with your purchases at many larger retail merchants such as grocery stores, or visit any U.S. ATM and request a refund of the ATM fee. Refund requests are subject to limitations, refer to the Personal Schedule of Fees for details.
4 Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of foreign transaction regardless of whether the transaction is made in U.S. Dollars or in a foreign currency (Exception: Puerto Rico and U.S. Virgin Islands). Late Payment Fee- up to $35. Returned Payment Fee - up to $35.
5 All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
6 Mortgages are subject to approval, including verification of acceptable income, credit worthiness 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 of credit, and flood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required. There are closing costs associated with these products.
7 Federal law requires that no more than six preauthorized or automatic transfers (including online and telephone transfers) to other accounts you have with us or to third parties may be made from the Money Market Account during any statement cycle. Excessive preauthorized transfers may result in fees being charged and/or a conversion of your account to a different account type.
8 Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit