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Take a look at how our U.S. checking accounts compare against the competition. Our U.S. checking accounts are tailored to your needs and offer some of the best value out there.
Plus, you can get our Premium Checking and Direct Checking accounts without the annual fee29 when you apply for a cross-border banking bundle with one of our qualifying credit cards.4Legal Disclaimer (opens in popup)
| RBC U.S. Premium Checking | RBC U.S. Direct Checking | Canadian-based U.S. dollar accounts | Other U.S. bank accounts | |
|---|---|---|---|---|
| Move money between Canada and the U.S. | Via instant and freeLegal Disclaimer1 transfers between your Canadian and U.S. RBC accounts | Via instant and freeLegal Disclaimer transfers between your Canadian and U.S. RBC accounts | Via wire transfers — around $30 each | Via wire transfers — around $30 each |
| Move money between Canada and the U.S. | At over 50,000 no-fee2 ATMs across all 50 states | At over 50,000 no-fee2 ATMs across all 50 states | At ATMs, which may charge a service fee | At that bank's ATMs, otherwise you may be charged a fee |
| Pay U.S. bills | Online at any time via U.S. Bill Pay or by check | Online at any time via U.S. Bill Pay or by check | By sending check to the payee in the U.S. | Online or by check |
| Deposit a U.S. check | Online by using U.S. Remote Deposit or in person at thousands of no-fee ATMs that accept deposits | Online by using U.S. Remote Deposit or in person at thousands of no-fee ATMs that accept deposits | In person at a Canadian branch | By visiting that bank's branch or ATM |
| Sign up for an account |
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In person at any RBC branch or online | In person the U.S. at that bank's branch, which may require a U.S. address and Social Security Number |
| Monthly debits | Unlimited | 10 per month with no fees11 | 1-6 per month, potentially with fees | Depends on the bank and account |
| Preferred foreign exchange rate | Yes | No | No | No |
| Nationwide coverage | Yes | Yes | No | Only with a few large banks |