Key cross-border banking benefits for Canadians

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

Move money cross border — 24/7

Start Moving Money

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

Pay bills, transfer and receive money with your U.S. bank account and routing number through online banking. If you have a U.S. cell number, you can use 3rd party apps to send and receive money from friends, family or businesses.

Access to 50,000+ no-fee ATMs in all 50 states

Plus cash back at large retailers like Target,Legal Disclaimer (opens in popup) Costco, CVS and Walgreens

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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

MOST POPULAR

Annual fee:

$39.50

(or $0 for 1 year with a cross-border banking bundle)

  • 10 debits per month
    $1 per additional debit11Legal Disclaimer
  • 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

UNLIMITED TRANSACTIONS & PREFERRED FX
Annual fee:
$99.50

(or $0 for 1 year with a cross-border banking bundle)

  • Tap, click and swipe without extra fees
    Unlimited debit transactions in the U.S.
  • 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

Preferred Money Market Savings5Legal Disclaimer

Earn up to 0.5% annual percentage yield (APY)17Legal Disclaimer

Monthly fee:

$0

with a $1,000 monthly balance

  • Earn the best interest rate on U.S. dollars
    0.20% APY with balances from $0 to $24,999
    0.25% APY with balances from $25,000 to $49,999
    0.50% APY with balances over $50,000
  • No minimum balance
    $1,000 deposit required to open
  • Secure, insured savings
    FDIC insured up to $250,00012Legal Disclaimer

Certificate of Deposit (CDs)15Legal Disclaimer

Earn up to 4.50% annual percentage yield (APY)
CDs are similar to GICs

Secure investment over a set term

  • Guaranteed rate of return
    Fixed interest terms from 6 months through 5 years
  • Secure, insured savings
    FDIC insured up to $250,000
  • $1,000 deposit required to open

Cross-border banking bundles tailored to your needs

Answer a few simple questions on our bundle builder to build your very own cross-border banking bundle. We’ll suggest the best bank account and credit card based on your needs.

Build 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
Cheque

Deposit mobile checks

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

Receipt

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.

Security

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:

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Unlock cross-border offers & perks

Enjoy access to discounts and benefits in the U.S. and Canada.

Get up to a 25% discount on car and truck rentals

Save on your next rental car in the U.S. with discounted rates.

Get up to a 25% discount on cars and SUVs

Save on your next rental car in the U.S. with discounted rates.

Cross-border shopping & shipping

Shop U.S. retailers online and enjoy reduced rate shipping home to Canada.

Discounted tele-health consultations

Instantly connect with a licensed doctor — any time, 24/7 in Canada or the U.S.

Explore Cross-Border Offers & Perks

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

Sign up for your U.S. account now!

CAD <> USD FX calculator

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

FX transaction fee calculator

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

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.

Get cash in the U.S.

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

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.

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

With no Interac e-Transfer in the U.S. you can use 3rd party apps with a U.S. cell number to send money.

Can’t find what you need? View all FAQs