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U.S. Bank Accounts for Canadians

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 Canada1

Move money cross border - 24/7

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 ATMs2 in all 50 states

Plus cash back at large retailers like Target, 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

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Why Choose a U.S. Account?

How a U.S.-based account compares to a Canadian U.S. dollar account

Find the Right U.S. Bank Account

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 find with a Canadian U.S. dollar account.

RBC U.S. Direct Checking

MOST POPULAR

Annual Fee:

$39.50

(or $0 for 1 year29 with the Cross Border Bundle )

Open Bank AccountRBC U.S. Direct Checking Open Bank Account Link
  • 10 debits per month
    $1 per additional debit11
  • Easy access to U.S. cash
    Access 50,000+ no fee ATMs2 in the U.S.
  • No minimum balance
    $50 deposit required to open
More DetailsRBC U.S. Direct Checking More Details Link

RBC U.S. Premium Checking

UNLIMITED TRANSACTIONS & PREFERRED FX
Annual Fee:
$99.50
Open Bank AccountRBC U.S. Premium Checking Open Bank Account
  • 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
More DetailsRBC U.S. Premium Checking More Details Link

Preferred Money Market Savings5

EARN UP TO 0.5% APY17

Monthly Fee:

$0

with a $1,000 monthly balance

Open Savings Account
  • Earn the best interest rate on U.S. dollars
    0.20% APY17 with balances from $0 to $24,999
    0.25% APY17 with balances from $25,000 to $49,999
    0.50% APY17 with balances over $50,000
  • No minimum balance
    $1,000 deposit required to open
  • Secure, insured savings
    FDIC insured up to $250,00012
More DetailsPreferred Money Market Savings More Details Link

Certificate of Deposit (CDs)15

EARN UP TO 5.25% APY17
CDs are similar to GICs

Secure investment over a set term

Call to open: 1-800-769-2553

  • Guaranteed rate of return
    Fixed interest terms from 6 months through 5 years
  • Secure, insured savings
    FDIC insured up to $250,00012
View Interest Rates

Cross-Border Bundles

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 find with a Canadian U.S. dollar account.

Playing and Shopping in the U.S.

For the snowbird, U.S. vacationer or cross-border shopper

Travelling in the U.S. Bundle

Moving to the U.S.

For Canadians working in or moving to the U.S.

Moving to the U.S. Bundle

Golfing in the U.S.

For the avid golfer that wants to golf in the sun year round

Golfing in the U.S. Bundle

Studying in the U.S.

For Canadians going to college or university in the U.S.

Studying in the U.S. 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

Anytime - 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 ATMs2 in all 50 states!

Search for a No-Fee ATM near you:

Error: Please enter valid Zip Code, Address, City

Unlock Cross-Border Offers & Perks

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

  • 300,000+ Travel Offers in 10,000+ U.S. Cities through Abenity Perks
  • Save on travel including hotels, resorts, restaurants and car rentals
  • Enjoy special access to attractions and experiences nationwide

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.

  • 300,000+ Travel Offers in 10,000+ U.S. Cities through Abenity Perks
  • Save on travel including hotels, resorts, restaurants and car rentals
  • Enjoy special access to attractions and experiences nationwide
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!

View FAQs

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.

Link Your Accounts

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.

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

Transfer Money Cross-Border

Move money back and forth between your U.S. and Canadian accounts easily, quickly and for free1 .

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.

Send and Receive Money Person-to-Person in the U.S.

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

Send Money Person-to-Person

Can’t find what you need? View all FAQs