Key Features
- Link your RBC Bank (U.S.) and RBC Royal Bank (Canadian) accounts
With a single sign-in and transfer funds back and forth. - Free, unlimited transfers and instant exchange
Between your RBC Royal Bank and RBC Bank accounts – 24/7 with no delay.
- Stop packing a stack of cash
Get cash at over 50,000 no-fee ATMs across the U.S. - 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.
More Great Features
Direct Checking | Details |
---|---|
Access U.S. Cash | |
Pay U.S. Bills |
|
Minimum Balance | $0; $50 deposit required to open |
Monthly Debits |
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Deposit U.S. Dollar Checks |
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Online Banking | Included |
Mobile Banking | Included |
Telephone Banking | Included |
Nationwide Coverage | Yes – Bank in all 50 states |
eStatements | Included |
Account Alerts | Included |
Cash Advances | Available at ATMs, financial institutions and participating retailers |
Tap and Go | Contactless payment feature at participating merchants – simply tap your card at checkout to complete your transaction and be on your way. |

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 on U.S. purchases (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).
Ways to Bank
Easily Move Money
Transfer money between your RBC Canadian and U.S. accounts instantly and for free1 .
Bank Anywhere, Anytime
Use the RBC Mobile app or RBC Online Banking to move money and pay U.S. bills in seconds.
Ways to Apply
Better Cross-Border Banking Gives You More
Preferred Money Market Savings5
Earn our best interest rates! Easily access the money you've saved, move funds or write checks.
Visa Signature Black U.S. Credit Card
Earn rewards with every purchase you make. Redeem for cash back, travel, gift cards and more.
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!