U.S. Bank Accounts for Canadians

Q: Do I need a Social Security Number to open an RBC Bank U.S. account?

No, you do not need a Social Security Number to open an RBC Bank U.S. account. You can use your Canadian SIN instead.

Q: Do I need to have a U.S. address to open an RBC Bank account?

No, you do not need a U.S. address to open an RBC Bank account. You can apply online with your Canadian address.

Trusted by over half a million Canadians who travel, work or live in the U.S.

LIMITED TIME OFFER

Enjoy cross-border banking with no annual fee^{Legal Disclaimer (opens in popup)29,Legal Disclaimer (opens in popup)53}

Your cross-border bundle makes managing finances across the border easy, rewarding & stress-free.

View Offer Details

Offer Expires October 31, 2026. Conditions apply.

U.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 Canada^{Legal 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 states^{Legal 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 PayPal^{Legal 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.

Apply for a U.S. bank account in minutes

RBC U.S. Direct Checking

Most popular

$0 for the first year

with a cross-border
banking bundle

Annual Fee

$39.50

10 debits per month
$1 per additional debit^{Legal 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

View More Account Benefits

RBC U.S. Premium Checking

Unlimited transactions & preferred FX

$0 for the first year

with a cross-border
banking bundle

Annual Fee

$99.50

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

View More Account Benefits

Direct Checking

Most popular

$0 for the first year

with a cross-border
banking bundle

Annual Fee

$39.50

10 debits per month
$1 per additional debit^{Legal 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

View More Account Benefits(opens modal window)

Premium Checking

Unlimited transactions & preferred FX

$0 for the first year

with a cross-border
banking bundle

Annual Fee

$99.50

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

View More Account Benefits(opens modal window)

Free & unlimited instant transfers between Canada and the U.S.

No minimum balance

Foreign exchange rate

Monthly debit transactions

U.S. checks

Link your CAD and USD accounts, pay U.S. bills & deposit U.S. checks online

No foreign transaction fees on U.S. purchases

Easy access to cash at 50,000+ no-fee ATMs

Annual fee for year 1

Annual fee

Direct Checking

Most popular

Standard

10 debits
$1 per additional debit

Order checks as needed
(Fees apply)

with a cross-border
banking bundle

$39.50 USD/year

View More Account Benefits(opens modal window)

Premium Checking

Unlimited transactions & preferred FX

Preferred – one of RBC’s best rates

Unlimited

First 40 checks free
(S&H may apply)

with a cross-border
banking bundle

$99.50 USD/year

View More Account Benefits(opens modal window)

Direct Checking

Most popular

Premium Checking

Unlimited transactions
& preferred FX

Free & unlimited instant transfers between Canada and the U.S.

No minimum
balance

Foreign exchange rate

Standard

Preferred – one of RBC’s best rates

Monthly debit transactions

10 debits
$1 per additional debit

Unlimited

U.S. checks

$21 for 50 checks
(S&H may apply)

First 50 checks free
(S&H may apply)

Link your CAD and USD
accounts, pay U.S. bills &
deposit U.S. checks online

Easy access to
cash at 50,000+
no-fee ATMs

Annual fee for year 1

with a cross-border
banking bundle

Annual Fee

$39.50 USD/year

$99.50 USD/year

View More Account Benefits(opens modal window)

Preferred Money
Market Savings^{Legal Disclaimer (opens in popup)5}

Earn up to 0.5% annual percentage yield^{Legal Disclaimer (opens in popup)17}

Monthly fee

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 $250,000^{Legal Disclaimer (opens in popup)12}

More account details(opens modal window)

Certificate of Deposit (CD)^{Legal Disclaimer (opens in popup)15}

Earn up to 4.10% annual percentage yield

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

View interest rates

1-800-769-2553

Preferred Money
Market Savings^{Legal Disclaimer (opens in popup)5}

Earn up to 0.5% annual percentage yield^{Legal Disclaimer (opens in popup)17}

Monthly fee

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 $250,000^{Legal Disclaimer (opens in popup)12}

More account details(opens modal window)

Certificate of
Deposit (CD)^{Legal Disclaimer (opens in popup)15}

Earn up to 3.85% annual percentage yield

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

View interest rates

1-800-769-2553

Bundle & save

Answer 3 questions & we’ll show you a credit card & bank account best suit your needs.

How much money do you exchange each year?

Up to $20,000 USD per year

Over $20,000 USD per year

What do you value most in a U.S. credit card?

No annual fee

Earning accelerated points

Avoiding foreign transaction fees globally

Do you prefer using your credit or debit card?

I usually use my credit card

I usually use my debit card

Show My Bundle

Unlock convenience

Easily move money cross-border on your mobile device, shop and get cash in the U.S.

Freedom and flexibility with RBC Visa Debit

Use your card to make purchases online or over the phone wherever Visa is accepted.

More RBC Visa Debit features

Deposit mobile checks

Any time — no matter what side of the border you’re on. See How

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 & perks^{Legal Disclaimer39}

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. & Canada^{Legal Disclaimer44}

Get access to over 300,000 discounts on attractions, hotels, restaurants and more.

Get a discount of up to 25% on car and SUV rentals^{Legal Disclaimer45}

Go anywhere in style and save! Enjoy discounted rental rates for your next cross-border road trip.

Get a discount of up to 35% on car and truck rentals^{Legal Disclaimer46,Legal Disclaimer47}

Making a move or planning a road trip? We've got you covered.

Save on cross-border shopping & shipping^{Legal Disclaimer51}

Shop U.S. deals online and have them shipped directly to Canada at special, discounted rates.

Support & resources

How can we help you today?

Top U.S. banking FAQs

Do I need a Social Security Number to open an RBC Bank U.S. account?

Do I need to have a U.S. address to open an RBC Bank account?

As a Canadian — can I even open a U.S. account?

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

View FAQs

CAD<> USD FX calculator

Calculate the current Canadian to U.S. dollar foreign exchange rate.

Current Foreign Exchange Rate

FX transaction fee calculator

See how much you can save when you pay no foreign transaction fees on U.S. transactions.

Foreign Transaction Fee Calculator

Manage your account

Access and link accounts

Easy instant access to your accounts through online banking, the RBC Mobile App and via phone anytime, anywhere.

Link Your Accounts

Transfer money cross-border

Move money back and forth between your U.S. and Canadian accounts easily, quickly and for free.

Transfer Money Cross-Border

Make a deposit

Checks, wires, direct or cash. There are lots of ways you can make your deposit.

Deposit Money In The U.S.

Get cash in the U.S.

No need to pack a stack of cash when you head to the U.S.

Get Cash In 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.

Send Money Person-To-Person

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.

Pay U.S. Bills

Can’t find what you need? View all FAQs

Transfers between the U.S. and Canada	Unlimited, instant and free – up to $25,000 in a single transfer
Pay U.S. bills	Online, anytime via U.S. Bill Pay or U.S. dollar checks
P2P transfers	Transfer money between U.S. accounts via PayPal ^{Legal Disclaimer (opens in popup)‡,Legal Disclaimer (opens in popup)39}
Minimum balance	$0; $50 deposit required to open
Monthly Debits	10 debits per month; $1 per debit after^{Legal Disclaimer (opens in popup)11}
Checks	Order through online banking
FDIC insurance	All deposits insured up to $250,000^{Legal Disclaimer (opens in popup)12}
Nationwide coverage	Yes – bank in all 50 states
Make USD purchases	Online or over the phone wherever Visa is accepted
Chip and PIN	Included on all cards to enhance fraud protection
Foreign transaction fees	Not on any USD purchase
Visa Checkout	Link your card and pay online or on the go from your mobile phone or tablet in one quick, secure step
Visa's Zero Liability Policy^{Legal Disclaimer (opens in popup)10}	You're protected with no personal liability in the event of fraudulent use

Transfers between the U.S. & Canada	Unlimited, instant and free – up to $25,000 in a single transfer
Pay U.S. bills	Online, anytime via U.S. Bill Pay or U.S. dollar checks
P2P transfers	Transfer money between U.S. accounts via PayPal ^{‡Legal Disclaimer (opens in popup),39Legal Disclaimer (opens in popup)}
Minimum balance	$0; $50 deposit required to open
Monthly debits	Unlimited
Nationwide coverage	Yes — bank in all 50 states
eStatements	Included
Account alerts	Included
Cash advances	Available at ATMs, financial institutions and participating retailers
Checks	Order through online banking

Introductory APR	0% for 6 months
Tap and go	Contactless payment at participating merchants – just tap your card or add it to your Apple Wallet
Build toward a U.S. credit history	Apply for a U.S. credit card with your Canadian credit history – then, start working toward building your U.S. credit^{54Legal Disclaimer (opens in popup)}
Earn Avion points	Earn 1 Avion point for every $1 spent on your card^{6Legal Disclaimer (opens in popup)}, then redeem your Avion points for 1% cash back^{24Legal Disclaimer (opens in popup)} or transfer the points to your Canadian Avion account^{7Legal Disclaimer (opens in popup)}
Insurance benefits	Enjoy built-in insurance benefits that protect you and your money: Trip cancellation or interruption insurance up to $5,000 Travel accident insurance up to $500,000 Lost luggage reimbursement up to $3,000 Auto rental collision damage waiver Cellphone insurance up to $200 ($50 deductible) Purchase security up to $500 per occurrence
Roadside assistance	Included
Emergency card replacement and disbursement	Included
Emergency cash and card replacement	Included
Easy to use	Yes, just tap your RBC Bank credit card anywhere Visa is accepted — in-store, online and over the phone
Easy to pay off	Yes, you can pay your credit card bill by selecting the “Pay Now” button in online banking
Secure banking	You’re protected by several layers of fraud prevention technology via the chip technology embedded into your RBC Bank credit card. If something goes wrong, you’re protected by Visa’s Zero Liability^{10Legal Disclaimer (opens in popup)}

Introductory APR	0% for 6 months
Tap and go	Contactless payment at participating merchants – just tap your card or add it to your Apple Wallet
Build toward a U.S. credit history	Apply for a U.S. credit card with your Canadian credit history – then, start working toward building your U.S. credit^{54Legal Disclaimer (opens in popup)}
Earn Avion points	Earn 1.5 Avion points for every $1 spent on your card,^{6Legal Disclaimer (opens in popup)} then redeem your Avion points for 1.25% cash back^{24Legal Disclaimer (opens in popup)} or transfer the points to your Canadian Avion account^{7Legal Disclaimer (opens in popup)}
Insurance benefits	Enjoy built-in insurance benefits that protect you and your money: Trip cancellation or interruption insurance up to $5,000 Travel accident insurance up to $500,000 Lost luggage reimbursement up to $3,000 Auto rental collision damage waiver Cellphone insurance up to $200 ($50 deductible) Purchase security up to $500 per occurrence
Roadside assistance	Included
Emergency card replacement and disbursement	Included
Emergency cash and card replacement	Included
Easy to use	Yes, just tap your RBC Bank credit card anywhere Visa is accepted — in-store, online and over the phone
Easy to pay off	Yes, you can pay your credit card bill by selecting the “Pay Now” button in online banking
Secure banking	You’re protected by several layers of fraud prevention technology via the chip technology embedded into your RBC Bank credit card. If something goes wrong, you’re protected by Visa’s Zero Liability^{10Legal Disclaimer (opens in popup)}

Minimum balance	$0; $1000 deposit required to open
Monthly debits	6
Online banking	Included
Mobile banking	Included
Telephone banking	Included
Nationwide coverage	Yes — bank in all 50 states
eStatements	Included
Account alerts	Included
Checks	Order through online banking

Enjoy cross-border banking with no annual feeLegal Disclaimer (opens in popup)29,Legal Disclaimer (opens in popup)53

U.S. banking built for Canadians, backed by 20+ years of cross-border experience

U.S. banking built for Canadians

Unlimited & instant transfers between the U.S. and CanadaLegal Disclaimer (opens in popup)1

Access to 50,000+ no-fee ATMs in all 50 statesLegal Disclaimer (opens in popup)2

Pay U.S. bills + send and receive money in the U.S.

Apply online with your Canadian address

Apply for a U.S. bank account in minutes

RBC U.S. Direct Checking

RBC U.S. Premium Checking

Direct Checking

Premium Checking

Direct Checking

Premium Checking

Direct Checking

Premium Checking

Preferred Money Market SavingsLegal Disclaimer (opens in popup)5

Certificate of Deposit (CD)Legal Disclaimer (opens in popup)15

Preferred Money Market SavingsLegal Disclaimer (opens in popup)5

Certificate of Deposit (CD)Legal Disclaimer (opens in popup)15

Bundle & save

Meet Your Cross-Border Banking Bundle

Meet Your Cross-Border Banking Bundle

Direct Checking

Premium Checking

Visa‡ Signature Black

Visa‡ Signature Black Plus

Direct Checking

Premium Checking

Visa‡ Signature Black

Visa‡ Signature Black Plus

Unlock convenience

Freedom and flexibility with RBC Visa Debit

Shop, get easy access to cash with Visa debit

Deposit mobile checks

Pay U.S. bills on the go

Your money, FDIC insured

Get cash at 50,000+ no-fee ATMs in all 50 states!

Search for a no-fee ATM near you:

Cross-border offers & perksLegal Disclaimer39

Travel and attraction discounts in the U.S. & CanadaLegal Disclaimer44

Get a discount of up to 25% on car and SUV rentalsLegal Disclaimer45

Get a discount of up to 35% on car and truck rentalsLegal Disclaimer46,Legal Disclaimer47

Save on cross-border shopping & shippingLegal Disclaimer51

Support & resources

Top U.S. banking FAQs

CAD<> USD FX calculator

CAD<> USD FX calculator

FX transaction fee calculator

FX transaction fee calculator

Manage your account

Access and link accounts

Transfer money cross-border

Make a deposit

Get cash in the U.S.

Send and receive money person-to-person in the U.S.

Pay U.S. bills

More Direct Checking details

More Premium Checking details

More Visa‡Legal Disclaimer (opens in popup) Signature Black details

More Visa‡Legal Disclaimer (opens in popup) Signature Black Plus details

More Preferred Money Market Savings details

Enjoy cross-border banking with no annual fee^{Legal Disclaimer (opens in popup)29,Legal Disclaimer (opens in popup)53}

U.S. banking built
for Canadians

Unlimited & instant transfers between the U.S. and Canada^{Legal Disclaimer (opens in popup)1}

Access to 50,000+ no-fee ATMs in all 50 states^{Legal Disclaimer (opens in popup)2}

Preferred Money
Market Savings^{Legal Disclaimer (opens in popup)5}

Certificate of Deposit (CD)^{Legal Disclaimer (opens in popup)15}

Preferred Money
Market Savings^{Legal Disclaimer (opens in popup)5}

Certificate of
Deposit (CD)^{Legal Disclaimer (opens in popup)15}

Visa^‡ Signature Black

Visa^‡ Signature Black Plus

Visa^‡ Signature Black

Visa^‡ Signature Black Plus

Cross-border
offers & perks^{Legal Disclaimer39}

Travel and attraction discounts
in the U.S. & Canada^{Legal Disclaimer44}

Get a discount of up to 25% on car and SUV rentals^{Legal Disclaimer45}

Get a discount of up to 35% on car and truck rentals^{Legal Disclaimer46,Legal Disclaimer47}

Save on cross-border shopping & shipping^{Legal Disclaimer51}

More Visa^{‡Legal Disclaimer (opens in popup)} Signature Black details

More Visa^{‡Legal Disclaimer (opens in popup)} Signature Black Plus details