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No annual fee cross-border banking for 1 yearLegal Disclaimer (opens in popup)29
Offer ends October 31, 2025.
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Cross-border banking for Canadians
Find cross-border solutions to save money and let you focus on enjoying your time in the U.S.
U.S. bank accounts
Enjoy your travels with instant cross-border transfers1Legal Disclaimer (opens in popup) and 50,000+ no-fee ATMs2Legal Disclaimer (opens in popup) – you can even send money to your friends and family – all from your phone.
U.S. credit cards
Save on foreign transaction fees, earn rewards and enjoy purchase protection, travel perks and convenience.
U.S. mortgages
Whether you’re buying your first U.S. home,8Legal Disclaimer (opens in popup) using your U.S. equity to upgrade or invest, or renewing your current mortgage, we will guide you through your options and help you find the solution that’re right for you.
The only U.S.-based bank specifically designed for Canadians
For 20 years, RBC has been providing secure and easy U.S. banking to over 450,000 Canadians who live, travel, shop and work in the U.S. We make cross-border banking easy and secure.
Unlimited instant CAD <> USD transfers
No worrying about drafts and wires. Enjoy free transfers between your Canadian and U.S. RBC accounts — 24/7 with no delay.
Transfer Money
Easy access to cash at 50,000+ no-fee ATMs
Get cash at 50,000+ no-fee ATMs2Legal Disclaimer (opens in popup) in all 50 states. Plus cash back at large retailers like Target, Costco, CVS and Walgreens.
Send and receive money person-to-person in the U.S.
With no Interac‡Legal Disclaimer (opens in popup) e-Transfer in the U.S., it can be challenging to send money person to person. With RBC Bank, you can transfer funds to other U.S. accounts when you connect your U.S. account to PayPal.‡Legal Disclaimer (opens in popup),39Legal Disclaimer (opens in popup)
Earn Avion Rewards on your purchases
With your no annual fee RBC Bank U.S. Visa Signature Black credit card, avoid foreign transaction fees on your U.S. purchases while earning 1 Avion point for every $1 spent.6Legal Disclaimer (opens in popup) Redeem points for travel, gift cards or unlimited 1% cash back.24Legal Disclaimer (opens in popup)
Build a U.S. banking bundle tailored to your needs
Use our bundle builder to build your very own cross-border banking bundle. We’ll suggest the best bank account and credit card based on your needs.
Get cash at 50,000+ no-fee ATMs in all 50 states!
Search for a no-fee ATM near you:
Abenity perks
Save with 300,000+ discounts on hotels, restaurants, attractions and more
See All Cross Border Offers & PerksBuy your U.S. dream home
RBC U.S. HomePlusTM Advantage is built exclusively for Canadians to take the guesswork out of U.S. homebuying. You’ll get access to cross-border real estate, tax, legal and homebuying experts.
Choose the rate & term that’s right for you
Rates starting at:
Choose between 3-, 5-, 7-, and 10-year terms.Legal Disclaimer (opens in popup)25 All loans are amortized over 30 years to keep your monthly payments low and when your term expires, renew for free.
Mortgage payment calculator
Estimate your monthly mortgage payment, including taxes and insurance.
Play With The NumbersCash vs. financing calculator
See how financing saves you thousands of dollars in one-time, upfront impact of foreign exchange (FX) costs.
Explore The Cost Of Financing
Save thousands on a U.S. mortgage
Don’t pay bank fees on your U.S. mortgage and save up to $4,500 USD in closing costs.42Legal Disclaimer (opens in popup)
Get Pre-ApprovedGet Pre-Approved Link
My Money Matters
Go-To Grandma Podcast: Kathy Buckworth on Grandparenting and Cross-Border Living
Southward Bound: 6 Tips for a Safe and Happy Border Crossing
Can You Work Remotely in Paradise? What to Consider Before You ‘Work From Home’ in the U.S.
With Abenity39Legal Disclaimer (opens in popup), you’ll save with 300,000+ discounts on hotels, restaurants, attractions and more
As an RBC Bank client, use Abenity's mobile app or website to get access to discounted rates on fun experiences, travel, dining out, necessities and more in the U.S.