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No annual fee cross-border banking for one yearLegal Disclaimer (opens in popup)29
No annual fee cross-border banking for one yearLegal Disclaimer (opens in popup)29
Offer ends October 31, 2025.
Learn More
U.S. Savings
U.S. BundlesU.S. banking built for Canadians, backed by 20+ years of cross-border experience
U.S. banking built
for Canadians
backed by 20+ years of cross-border experience
The only U.S.-based bank designed specifically for Canadians who live, travel, shop and work in the U.S.
Unlimited & instant transfers between the U.S. and CanadaLegal Disclaimer (opens in popup)1
Enjoy free transfers up to $25,000 between your RBC Royal Bank and your RBC Bank U.S. accounts — 24/7 with no delay. No more money transfer fees, expensive wire transfers or bank drafts.
Access to 50,000+ no-fee ATMs in all 50 statesLegal Disclaimer (opens in popup)2
Plus cash back at large retailers like Target,Legal Disclaimer (opens in popup)‡ Costco, CVS and Walgreens.
Pay U.S. bills + send and receive money in the U.S.
Pay bills and transfer money through online banking. Add your U.S. cards to your PayPalLegal Disclaimer (opens in popup)‡,Legal Disclaimer (opens in popup)39 account to send money to friends and family in the U.S.
Apply online with your Canadian address
You don’t need to be a U.S. resident or have a U.S. address.
Find the right U.S. bank account
Instantly move and exchange money between Canada and the U.S., deposit checks, pay bills and avoid foreign transaction fees. It’s freedom and flexibility you just don’t find with a Canadian U.S. dollar account.
RBC U.S. Direct Checking
$39.50
or
or
$0 for the first year
with a cross-border
banking bundle
-
10 debits per month
$1 per additional debitLegal Disclaimer (opens in popup)11 -
Easy access to U.S. cash
Access 50,000+ no fee ATMs in the U.S. -
No minimum balance
$50 deposit required to open
RBC U.S. Premium Checking
$99.50
or
or
$0 for the first year
with a cross-border
banking bundle
-
Unlimited debit transactions
Tap, click, and swipe without extra fees -
Preferred foreign exchange rate
When transferring CAD <> USD online -
Get your first 40 checks on us
Shipping & handling charges may apply -
No minimum balance
$50 deposit required to open
Direct Checking
$39.50
or
or
$0 for the first year
with a cross-border
banking bundle
$1 per additional debitLegal Disclaimer (opens in popup)11
Access 50,000+ no fee ATMs in the U.S.
$50 deposit required to open
Premium Checking
$99.50
or
or
$0 for the first year
with a cross-border
banking bundle
Tap, click, and swipe without extra fees
When transferring CAD <> USD online
Shipping & handling charges may apply
$50 deposit required to open
Preferred Money
Market SavingsLegal Disclaimer (opens in popup)5
$0
with a $1,000 monthly balance
-
Best interest rate earned on USD
0.20% APY on balances up to $24,999
0.25% APY on balances of $25,000-$49,999
0.50% APY on balances over $50,000 -
No minimum balance
$1,000 deposit required to open -
Secure, insured savings
FDIC insured up to $250,000Legal Disclaimer (opens in popup)12
Certificate of Deposit (CD)Legal Disclaimer (opens in popup)15
CDs are similar
to GICs
-
Guaranteed rate of return
Fixed interest terms from 6 months through 5 years -
No minimum balance
$1,000 deposit required to open -
Secure, insured savings
FDIC insured up to $250,000
Preferred Money
Market SavingsLegal Disclaimer (opens in popup)5
$0
with a $1,000 monthly balance
0.20% APY on balances up to $24,999
0.25% APY on balances of $25,000-$49,999
0.50% APY on balances over $50,000
$1,000 deposit required to open
FDIC insured up to $250,000Legal Disclaimer (opens in popup)12
Certificate of
Deposit (CD)Legal Disclaimer (opens in popup)15
CDs are similar to GICs
Fixed interest terms from 6 months through 5 years
$1,000 deposit required to open
FDIC insured up to $250,000
Bundle your U.S. banking products to save
Answer three quick questions and we’ll show you which U.S. credit card and bank account best suit your needs.
Unlock convenience
Easily move money cross-border on your mobile device, shop and get cash in the U.S.
Pay U.S. bills on the go
No need to send wire transfers or bank drafts from Canada. Pay through online banking or set up ACH payments.
Your money, FDIC insured
Deposits are insured by the FDIC up to $250,000.
Get cash at 50,000+ no-fee ATMs in all 50 states!
Search for a no-fee ATM near you:
Cross-border
offers & perksLegal Disclaimer (opens in popup)39
With RBC Bank, your benefits go beyond banking. Enjoy thousands of offers, discounts and deals across Canada and the U.S., all unlocked through cross-border banking.
Travel and attraction discounts
in the U.S. & CanadaLegal Disclaimer (opens in popup)43
Get a discount of up to 25% on car and SUV rentalsLegal Disclaimer (opens in popup)45
Get a discount of up to 35% on car and truck rentalsLegal Disclaimer (opens in popup)46,Legal Disclaimer (opens in popup)47
Save on cross-border shopping & shippingLegal Disclaimer (opens in popup)51
Support & resources
How can we help you today?
Top U.S. banking FAQs
Yes! To open an RBC Bank U.S. account, you don’t need to be a resident of the U.S., a U.S. address or Social Security number. You simply need to be 18 years or older and live in Canada or the U.S. Signing up takes just a few minutes. All you need is your:
- SIN
- Driver’s license, passport or government ID
CAD<> USD FX calculator
CAD<> USD FX calculator
Calculate the current Canadian to U.S. dollar foreign exchange rate.
Current Foreign Exchange Rate
FX transaction fee calculator
FX transaction fee calculator
See how much you can save when you pay no foreign transaction fees on U.S. transactions.
Foreign Transaction Fee CalculatorManage your account
Access and link accounts
Easy instant access to your accounts through online banking, the RBC Mobile App and via phone anytime, anywhere.
Transfer money cross-border
Move money back and forth between your U.S. and Canadian accounts easily, quickly and for free.
Make a deposit
Checks, wires, direct or cash. There are lots of ways you can make your deposit.
Get cash in the U.S.
No need to pack a stack of cash when you head to the U.S.
Send and receive money person-to-person in the U.S.
Add your U.S. cards to your PayPal‡Legal Disclaimer (opens in popup),39Legal Disclaimer (opens in popup) account to send money to friends and family in the U.S.
Pay U.S. bills
Paying bills or sending funds to friends and family in the U.S. is a little bit different than in Canada.
Can’t find what you need? View all FAQs