Your cross-border banking bundle
Setting up your banking and credit relationship in the U.S. before your move can make your life simpler.
Premium Checking
Make unlimited transfers and enjoy a preferred foreign exchange rate.
Annual fee: $0 for the first year
No more drafts and wires. Enjoy free transfers between your RBC Royal Bank and your RBC Bank U.S. accounts — 24/7 with no delay from your computer or mobile device.
Watch How Easy It IsVisit our no-fee ATM locator to find one near you. It’s convenient to get cash at popular nationwide retailers like Target,‡Legal Disclaimer Walgreens and CVS.
With online banking and Bill Pay you can make your U.S. payments from your desktop or mobile device, through our website or on the RBC Mobile App and even deposit U.S. checks with your smartphone or tablet.
- $0 minimum balance; $50 deposit required to open
- Link your Canadian and U.S. RBC accounts with a single sign-in and transfer funds back and forth across the border
- FDIC insured up to $250,000 per ownership category12
VisaLegal Disclaimer (opens in popup)‡ Signature Black
A no annual fee U.S.-based rewards credit card that uses your Canadian credit history to qualify.
Intro APR: 0% for 6 months
Save 2-3% on U.S. purchases by avoiding foreign transaction fees – and make returns in USD, without concern for currency fluctuations.
Redeemable for travel, gift cards, merchandise, unlimited 1% cash back.
- No blackout periods or seat restrictions.
- Redeem points for flights and hotels.
- Easily manage and redeem your points for travel through online banking.
Thinking of buying a U.S. home?
We're with you. With the relative affordability of U.S. homes and low interest rates, now may be a great time to invest in a U.S. home. RBC U.S. HomePlusTM Advantage is built exclusively for Canadians to provide full-service support through every step of the U.S. homebuying process.
The only U.S.-based bank designed specifically for cross-border Canadians
Making the move to the U.S. from Canada and wanting to make a smooth transition? Whether you’re moving for a new career, school or to retire, we’re with you. We make cross-border banking easy and secure.
- Easy access to cash with over 50,000 no-fee ATMs in all 50 states
- Use your Canadian credit history, address and ID to apply
- Manage your money anywhere, anytime through mobile, online and telephone banking
How we make cross-border banking easy
The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians
Making the move to the U.S. from Canada and wanting to make a smooth transition? Whether you’re moving for a new career, school or to retire, we’re with you. We make cross-border banking easy and secure.
- Easy access to cash with over 50,000 no-fee ATMs2 in all 50 states
- Use your Canadian credit history, address and ID to apply
- Manage your money anywhere, anytime through mobile, online and telephone banking
How we make cross-border banking easy
Apply online in just 5 minutes
It's easy and quick. You can start your no obligation application online right now. It usually takes less than 5 minutes and you can even open your U.S. bank account immediately.
Apply by October 31, 2025 and enjoy no-annual-fee cross-border banking for 1 year