RBC U.S. Premium Checking

Unlimited transfers and a preferred foreign exchange rate

^$99.50

Per year

Get this account for $0 for the first year^{29Legal Disclaimer (opens in popup)} when you apply for an eligible U.S. credit card^{4Legal Disclaimer (opens in popup)}

Features at-a-glance

Unlimited & instant transfers between the U.S. and Canada with preferred FX rates^{2Legal Disclaimer (opens in popup)}^{1Legal Disclaimer (opens in popup)}

Move money cross-border 24/7

Access to 50,000+ no-fee ATMs^{2Legal Disclaimer (opens in popup)} in all 50 states

Plus cash-back at large retailers

Send and receive money in the U.S.

Add your U.S. cards to your PayPal^{‡Legal Disclaimer (opens in popup),39Legal Disclaimer (opens in popup)} account to send money to friends and family in the U.S.

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

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

More account features

Access U.S. cash	At over 50,000 no-fee ATMs^{2Legal Disclaimer (opens in popup)} Large retailers offering cash-back
Pay U.S. bills	Online, anytime even if you're in Canada with U.S. Bill Pay By writing a U.S. dollar check
Peer-to-peer money transfers	With no Interac^{Legal Disclaimer (opens in popup)‡} e-Transfer in the U.S., it can be challenging to send money person to person. With RBC Bank, you can transfer funds to other U.S. accounts when you connect your U.S. account to PayPal.^{Legal Disclaimer (opens in popup)‡,Legal Disclaimer (opens in popup)39}
Minimum balance	$0; $50 deposit required to open
Monthly Debits	Unlimited
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, or add it to your Apple Wallet
Checks	Order through online banking

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.

More RBC Visa Debit Features

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

Online, any time, on either side of the border.

Deposit A U.S. Check

Superior to U.S. dollar Canadian-based accounts

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

Compare Accounts

Get cash at over 50,000 no-fee ATMs in all 50 states!

Find your closest location

Find a no-fee ATM

Cross-border
offers & perks^{Legal Disclaimer (opens in popup)39}

With RBC Bank, your benefits go beyond banking. Enjoy thousands of offers, discounts and deals across Canada and the U.S., all unlocked through cross-border banking.

Travel and attraction discounts
in the U.S. & Canada^{Legal Disclaimer (opens in popup)43}

Get access to over 300,000 discounts on attractions, hotels, restaurants and more.

Get a discount of up to 25% on car and SUV rentals^{Legal Disclaimer (opens in popup)45}

Go anywhere in style and save! Enjoy discounted rental rates for your next cross-border road trip.

Get a discount of up to 35% on car and truck rentals^{Legal Disclaimer (opens in popup)46,Legal Disclaimer (opens in popup)47}

Making a move or planning a road trip? We've got you covered.

Save on cross-border shopping & shipping^{Legal Disclaimer (opens in popup)51}

Shop U.S. deals online and have them shipped directly to Canada at special, discounted rates.

Support & resources

How can we help you today?

Top U.S. banking FAQs

Do I need a Social Security Number to open an RBC Bank U.S. account?

Do I need to have a U.S. address to open an RBC Bank account?

As a Canadian — can I even open a U.S. account?

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 free.

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.

Add your U.S. cards to your PayPal^{‡Legal Disclaimer (opens in popup),39Legal Disclaimer (opens in popup)} account to send money to friends and family in the U.S.

Send Money Person-To-Person

Can’t find what you need? View all FAQs

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RBC U.S. Premium Checking