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. 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.

No worrying about drafts and wires. Enjoy free transfers between your Canadian and U.S. RBC accounts — 24/7 with no delay.

Transfer Money

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 U.S., 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 number.39Legal Disclaimer (opens in popup) You can also transfer funds to other U.S. accounts in online banking.

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.

Build My Bundle

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

Search for a no-fee ATM near you:

Please enter valid Zip Code, Address, City

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Abenity perks

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

See All Cross Border Offers & Perks

Buy 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 Numbers

Cash 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
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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)

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