Cross-Border Banking for Canadians

Find cross-border solutions to save money and let you focus on enjoying your time in the U.S.

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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.

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U.S. Credit Cards

Save on foreign transaction fees, earn rewards and enjoy purchase protection, travel perks and convenience.

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U.S. Mortgages

Whether you’re buying your first U.S. home8Legal 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.

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The Only U.S.-Based Bank Specifically Designed for Canadians

For 17 years, RBC has been providing secure and easy U.S. banking to over 400,000 Canadians who live, travel, shop and work in the U.S. We make cross-border banking easy and secure.

No worrying about drafts and wires. Enjoy free1Legal Disclaimer (opens in popup) transfers between your RBC Royal Bank and your RBC Bank U.S. accounts - 24/7 with no delay.

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

While there is no Interac e-Transfer in the States, there are several ways to send money between U.S. accounts through 3rd party apps like Venmo, PayPal, Apple Cash and Cash App with a U.S. cell number39Legal Disclaimer (opens in popup). You can also transfer funds to other U.S. accounts in Online Banking.

With your no annual fee20Legal Disclaimer (opens in popup) RBC Bank U.S. Visa Signature Black credit card, avoid foreign transaction fees on your U.S. purchases while earning 1 RBC Reward point for every $1 spent6Legal Disclaimer (opens in popup). Redeem points for travel, gift cards or unlimited 1% cash back24Legal Disclaimer (opens in popup).

Playing and Shopping in the U.S.

For the snowbird, U.S. vacationer or cross-border shopper

Travelling in the U.S. Bundle

Moving to the U.S.

For Canadians working in or moving to the U.S.

Moving to the U.S. Bundle

Golfing in the U.S.

For the avid golfer that wants to golf in the sun year round

Golfing in the U.S. Bundle

Studying in the U.S.

For Canadians going to college or university in the U.S.

Studying in the U.S. Bundle

Get cash at 50,000+ no-fee ATMs2 in all 50 states!

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FEATURED OFFER FOR RBC CLIENTS

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Abenity39Legal Disclaimer (opens in popup) Perks

Save with 300,000+ discounts on hotels, restaurants, attractions and more

See All Cross Border Offers & Perks

Buy Your U.S. Dream Home8Legal Disclaimer (opens in popup)

RBC U.S. HomePlusTM Advantage is built exclusively for Canadians to take the guesswork out of U.S. home buying. You’ll get access to cross-border real estate, tax, legal and financing experts.

Choose the Rate & Term That’s Right For You

Rates starting at:

Choose between 3-, 5-, 7-, and 10-year terms25Legal Disclaimer (opens in popup). 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.

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Cash vs. Financing Calculator

See how financing saves you thousands of dollars in one- time, up-front FX costs.

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Special Offer

No Underwriting Fees on U.S. Mortgages28Legal Disclaimer (opens in popup)

It only takes 5 minutes to start your pre-approval online. Apply by January 1st, 2023 and save up to $825 USD

Get Pre-ApprovedGet Pre-Approved Link