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Your cross-border banking bundle

Setting up your banking and credit relationship in the U.S. before your move can make your life simpler.

RBC Bank U.S. Bank Account – Premium CheckingU.S. bank account
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 Is

Visit 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.

While there is no Interac e-Transfer in the States, there are several ways to send money between U.S. accounts through third party apps like Venmo, PayPal, Apple Cash and Cash App14 with a U.S. cell number. You can also transfer funds to other U.S. accounts in online banking.

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.

RBC Bank U.S. Credit Card – Visa Signature BlackU.S. credit card
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.

Annual fee: $0

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.
A U.S. credit card will help you establish a credit history in the U.S., although you don’t need a U.S. credit history to get one.

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

play buttonHow we make cross-border banking easy

Check out this video to see 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

play buttonHow 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

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Legal Disclaimer
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank — 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com