Keeping you connnected

Access your U.S. and Canadian accounts anywhere, anytime

As a Canadian traveling to the U.S., you’ll need banking solutions to simplify your cross-border lifestyle — no matter where you are. With quick and convenient currency exchange and money transfers – plus easy access to cash – you'll have plenty of time to relax in the warm weather down South. RBC Bank can help you manage your cross-border finances at great rates with convenient Online Banking services available anytime on your desktop, tablet, or mobile device.


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

Free and instant1 cross-border money transfers

No-fee2 cash withdrawals from thousands of ATMS

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

No annual fee3 U.S. credit card

Extensive travel insurance4 at no cost with your credit card

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


We also recommend...

A U.S. mortgage5. Owning a home may make better financial sense for you than renting while you're in the States. Real estate prices in the U.S. are generally less expensive compared to Canada and interest reates are still low and despite the low Canadian dollar (CAD), by financing your U.S. home you can avoid the one-time upfront cost of currency exchange. Plus with RBC Bank, you have the option to pay off your mortgage with no penalty if the CAD improves.

A high-interest savings account6. 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 insured up to $250,000 per ownership category7.

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

All loans and lines of credit are subject to approval.

1 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. 

2 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. 

3 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. 

4 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. 

5 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. 

6 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. 

7 Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit

8 Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.