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RBC U.S. Direct Checking

Easy Cross-Border Money Transfers and Access to Cash

$39.50

Per year

Open Account Online
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Get this account for $0 for the first year 29Legal Disclaimer (opens in popup) when you apply for an eligible no annual fee rewards U.S. credit card 20Legal Disclaimer (opens in popup)

Features At-a-Glance

Unlimited & instant transfers between the U.S. and Canada1Legal Disclaimer (opens in popup)

Move money cross-border 24/7

Access to 50,000+ no-fee ATMs2Legal Disclaimer (opens in popup) in all 50 states

Plus cash-back at large retailers

Send and receive money in the U.S.

Use your U.S. bank account with 3rd party apps

Pay U.S. bills in U.S. dollars

Pay for rental, utility and other bills from the U.S. or Canada

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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

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.

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Cheque

Deposit mobile checks and pay U.S. bills on the go

Online, anytime, on either side of the border.

Deposit a U.S. Check
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Superior to U.S. Dollar Canadian-based accounts

Canadian U.S. dollar accounts don’t provide the same savings and flexibility.

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Get cash at over 50,000 no-fee ATMs2Legal Disclaimer (opens in popup) in all 50 states!

Find your closest location

 Find a no-fee ATM

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

Discounted tele-health consultations

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

Cross-Border Shopping & Shipping

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

Nationwide insurance marketplace

Find homeowner and flood insurance quotes from multiple providers

  • 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

View FAQs

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 free1Legal Disclaimer (opens in popup) .

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