Key Features

  • Unlimited transactions and preferred foreign exchange rate
    One of the best RBC offers.
  • Free, unlimited transfers and instant exchange1
    Between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts – 24/7 with no delay.
  • Stop packing a stack of cash
    Get cash at over 50,000 no-fee2 ATMs across the U.S.
  • Link your RBC Bank and RBC Royal Bank acccounts
    With a single sign-in and transfer funds back and forth.

More Great Features

More Great Features with Direct Checking
Premium Checking Details
Access U.S. Cash
  • At over 50,000 no-fee2 ATMs
  • Large retailers offering cash-back
  • Other banks' ATMs (we'll reimburse the fee they charge, as per your account limit3
Pay U.S. Bills
  • Online, anytime – even if you're in Canada with U.S. Bill Pay.
  • By writing a U.S. dollar check
Minimum Balance $0; $50 deposit required to open
Monthly Debits Unlimited
Deposit U.S. Dollar Checks
  • Online, anytime – even if you're in Canada and with U.S. Bill Pay
  • By writing a U.S. dollar check
Online Banking Included
Mobile Banking Included
Telephone Banking Included
Nationwide Coverage Yes – Bank in all 50 states
eStatements Included
Account Alerts Included
Personalized Checks First order of 50 checks is on us (shipping & handling fees may apply)
ID Theft Recovery Service Free
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

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.

Get Cash at 50,000+ No-Fee2 ATMs

If you’re charged a fee for using an ATM, we’ll reimburse you (limits apply)3 .

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!

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