Why Canadians love Our U.S. Accounts

Say goodbye to wire transfer fees and keep your U.S. cash in the bank until you need it.

  • So Long, Drafts and Wires!
    Transfer money between your Canadian and U.S. RBC accounts instantly and for free1 using RBC Online Banking or the RBC Mobile app.
  • Pay U.S. Bills in U.S. Dollars
    Pay for rental, utility and department store bills even when you’re in Canada. No more tricky conversions or complicated steps with a U.S. bank account
  • Stop Packing a Stack of Cash
    Get cash at over 50,000 no-fee2 ATMs across the U.S.

  • Take Your Account With You
    In Florida one year, Arizona the next? Choose us, and you’ll never have to change banks.

I'm Looking For:

U.S. Checking Accounts

Instantly move and exchange money1 between Canada and the U.S., deposit checks, pay bills and avoid foreign transaction fees. It's freedom and flexibility you just don't get with a Canadian U.S. dollar account

Convenience and value, easy access to cash

Direct Checking

Preferred FX rates + unlimited transactions

Premium Checking

  • Unlimited transactions
  • Preferred foreign exchange rate
  • Your first order of 50 checks is on us (shipping & handling fees may apply)
  • Get cash at over 50,000 no-fee2 ATMs across the U.S.

Other Ways to Apply

Call 1-800-769-2553 Call 1-800-769-2553
or
Visit Us at a Canadian Branch

U.S. Savings Accounts

From earning interest, smoothing out exchange rate fluctuations to saving for a down payment on a U.S. property, a U.S. savings account is a great complement to your day-to-day banking.

Easy access to cash, interest earned

Personal Savings5

  • $0 monthly fee with $300 balance
  • $100 minimum deposit to open
  • FDIC insured funds up to $250,000 per ownership category12
  • Automatically exchange and instantly transfer money for free1 between your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts
  • Easily access your money through online or telephone banking

Earn our best interest rates

Preferred Money Market Savings5

  • Unlimited deposits and up to 6 debit transactions/month16
  • $0 monthly fee with $1,000 balance
  • $1,000 minimum deposit to open
  • FDIC insured funds up to $250,000 per ownership category12

Other Ways to Apply

Call 1-800-769-2553 Call 1-800-769-2553
or
Visit Us at a Canadian Branch

Certificates of Deposit (CDs)15

Certificates of Deposit are similar to GICs in that they offer a secure, no-risk investment over a set term.

  • Competitive, fixed interest rates for the term of the CD
  • Guaranteed rate of return
  • Terms from six months to five years
  • Funds are FDIC insured up to $250,000 per ownership category12
Shop, get easy access to cash with Visa Debit

Shop, Get Easy Access to Cash with Visa Debit.

While Visa Debit is new to Canadians, it’s a mainstay of freedom and flexibility in the U.S. With your RBC Visa Debit card, you can enjoy free2 access to over 50,000 no-fee ATMs across the U.S! Find Allpoint ATMs in popular retailers such as Target, Walgreens, and CVS Pharmacy.

  • Use your card to make purchases online or over the phone—wherever Visa is accepted
  • Deposit U.S. currency and U.S. dollar checks at thousands of no-fee ATMs2 that accept deposits
  • Every RBC Visa Debit card comes with chip technology, offering enhanced fraud protection
  • You’re protected by Visa’s Zero Liability Policy10—there's no personal liability in the event of fraudulent use when you sign for purchases
  • Link your card to Visa Checkout and pay online or on the go from your mobile phone or tablet in one quick, secure step
  • Avoid foreign transaction fees (if you use your Canadian credit card in the U.S., you’ll typically pay up to 2.5% in foreign transaction fees on top of the purchase amount).

Still Not Sure?

See how U.S. and Canadian accounts stack up.

Compare

See How Easy It Is to Bank on Both Sides of The Border.

Whether you’re paying U.S. bills or depositing U.S. checks—you can do it all online—anytime,
anywhere (including either side of the border).

Find a No-Fee U.S. ATM2 Near You

Withdraw cash at over 50,000 no-fee2 ATMs across the U.S. Find your closest location!

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