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COVID-19 Update – How RBC Bank (U.S.) is helping clients

The events surrounding COVID-19 are truly unprecedented and we understand the disruption caused to daily lives. As the situation continues to evolve, RBC Bank (U.S.) is committed to doing everything we can to support you, including flexible financial relief programs for clients who have experienced financial hardship. We are here to help.

Last Updated: March 20, 2020

We’re Here to Support You

If you’re experiencing financial hardship as a result of COVID-19, we want to help. We’ve created special payment programs to help anyone who may have difficulty making payments on time.

If your loan is current and you think you may not be able to make your payments, please contact us at 1-800-769-2553. Our advisors are available to answer your questions and review the assistance available to you.

You may qualify to defer your monthly mortgage payment for up to 6 months. Your mortgage will be adjusted to amortize all deferred payments over the remaining life of the loan at the end of the deferred payment period. As a result you will have a new payment amount beginning the 7th month.
You may qualify to defer payments up to 6 months for repayment HELOCs (principal and interest). Interest-only HELOCs are not eligible.
You may qualify for up to 6 deferred monthly payments. Interest will continue to accrue during this time.
You may be eligible to have your minimum monthly payments set to $0 for a maximum of 6 months with no impact on your credit rating. Interest will continue to accrue during this time.

Staying Connected

We know it’s important for you to have direct access to your finances. The RBC Mobile App and Online Banking are secure, easy and available 24/7. You can:

  • View your account balances, transaction history and RBC Bank credit card account information
  • Make U.S. bill payments
  • Manage your other banking needs

Need help with Online Banking or the RBC Mobile App? Use our step-by-step tutorials.

Frequently Asked Questions

Financial Relief Program

RBC Bank has put in place flexible financial relief programs for our clients who have experienced financial hardship. Qualifying products include mortgages, HELOCs, personal lines of credit and credit cards. Relief will be offered on a case-by-case basis. Some restrictions apply. Call 1-800-769-2553 to discuss your situation with an advisor.

Yes. Interest will continue to accrue while your payments are deferred.

There is no fee and no penalty associated with the financial relief program.

Your mortgage will be adjusted to amortize all deferred payments for the life of the loan at the end of the deferred payment period. You will have a new payment amount beginning the 7th month.

A new payment amount will be established starting after the deferment period. You will be notified by us with your payment amounts.

Auto payments will stop during the relief program. You will be notified with instructions to re-establish those auto payments shortly before your deferment period ends.

U.S. Financial Transactions

As a cross-border client, you have access to over 50,000 ATMs nationwide. Find the U.S. ATM nearest you.

You can call our real estate lending line at 1-866-283-5928 to speak with a Cross-Border Mortgage Advisor.

If you are in the process of closing on a U.S. property, your Cross-Border Mortgage Advisor is available to assist you with any questions or concerns you may have – particularly in light of the recent border closing between the U.S. and Canada. Our team will work with you to determine any adjustments that may be needed, including changing your closing date or location. Together, we can find the option that works best for you.


You can call our Rewards Redemption Center at 1-877-521-2035, however please note that while the safety of our clients is our top priority and we are taking every measure to support you as quickly as possible, due to extremely high call volumes at our RBC Rewards Call Centre, clients are experiencing long wait times. During this time, we ask that if you are not traveling within the next 72 hours, please consider calling at a later time.

If you’re traveling, we encourage you to familiarize yourself with your out-of-country insurance plan. Information for RBC Insurance policies can be found here: RBC Insurance Emergency Medical Care Update

If you’re outside the country and are directly impacted by COVID-19, you can apply for an emergency repayable loan from the Canadian government to facilitate your return to Canada and to cover basic essential needs while you work toward your return. COVID 19: Financial Help to Canadians Outside of Canada

If you’re abroad and in need of emergency assistance, you can contact Global Affairs Canada at 1-613-996-8885 or email

Thank you for your continued trust in RBC Bank for your cross-border needs. We will continue to monitor COVID-19 and look for ways to best support you.