Earn Our Best Interest Rates on U.S. Dollars

$0/month with a $1000 minimum balance

Features At-a-Glance

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Instant transfers between the U.S. and Canada1Legal Disclaimer (opens in popup),5Legal Disclaimer (opens in popup)

Move money cross-border 24/7

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Send and receive money in the U.S.

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

Annual Percentage Yield17


For minimum daily balance between $25,000 and $49,999


Greater than $50,000 minimum daily balance

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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 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

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.

National insurance marketplace

Find homeowner and flood insurance quotes from multiple providers

Explore Cross-Border Offers & Perks

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 free1Legal Disclaimer (opens in popup) .

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 eTransfer 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