RBC Bank (U.S.) Accounts Canadian-Based U.S. Dollar Accounts Other U.S. Bank Accounts
How Do I...?
  RBC Bank (U.S.) Accounts Canadian-Based U.S. Dollar Accounts Other U.S. Bank Accounts
Move Money from Canada to the U.S.
  • Instantly and for free1 between your Canadian and U.S. RBC accounts
  • Wire transfer (approx. $30 each)
  • Bank draft (approx. $7.50 each)
  • Wire transfer (approx. $30 each)
  • Bank draft (approx. $7.50 each)
Access U.S. Cash

In the U.S.

  • At thousands of no-fee2
  • ATMs
  • Large retailers offering cash-back
  • Other banks' ATMs (we'll reimburse the fee they charge, as per your account limit3)

In the U.S.

  • Limited availability (ATM fees may be charged)

In the U.S.

  • At that bank's branch or ATMs, or other banks' ATMs for a fee
Pay U.S. Bills and Pay for My Rental, Utility Fee, Department Store Bill, etc.
  • Online, anytime—even if you're in Canada with U.S. Bill Pay
  • By writing a U.S. dollar check
  • Get a bank draft in Canada (approx $7.50 each) and send to the payee in the U.S.
  • Online or by check
Deposit a U.S. Dollar Check from a U.S. bank
  • By using U.S. Remote Deposit
  • At thousands of no-fee2 ATMs that accept deposits
  • In-person, only at a Canadian branch (if available)
  • By visiting that bank's branch or ATM
  • By using U.S. Remote Deposit
Apply for an Account
  • In Canada at any RBC Royal Bank branch
  • By phone at 1-800-ROYAL5-3 (1-800-769-2553)

Sign Me Up

  • In person, at any RBC Royal Bank branch
  • Online
  • In the U.S. only (most likely need a U.S. address and Social Security Number)
What Else Do I Get?
RBC Bank (U.S.) Accounts Canadian-Based U.S. Dollar Accounts Other U.S. Bank Accounts
Monthly Debits
  • 10 with Direct Checking11
  • Unlimited with Premium Checking
  • 1-6 (may include per transaction fees)
  • Depends on the account chosen
Preferred Foreign Exchange Rate Yes—with Premium Checking No No
Nationwide Coverage Yes—Bank in all 50 states No Only with a few large banks
How Much Am I Saving?
Most Canadians save an average of $250 per year with a U.S. based account with RBC Bank.

The average savings of $250 is calculated based on avoiding the 2.5% foreign transaction fee, which is applied to purchases made with a Canadian-based debit card or credit card. A $10,000 annual spend on U.S. purchases translates into a $25 savings for every $1,000 spent.