Key Benefits You Get as a Canadian Making a Move to the U.S.

Whether you have a TN, L1, H1-B, O1, F1 or other type of U.S. immigration visa, setting up your banking and credit relationship in the U.S. before your move can make your life simpler.

U.S. Bank Account
Direct Checking

Whether you are paid in Canada or the U.S., an account to provide you unlimited instant online exchange and transfers² between the U.S. and Canada

Annual Fee: $0 for the first year¹

Unlimited instant online exchange and transfers² between the U.S. and Canada

No more drafts and wires. Enjoy free transfers between your RBC Royal Bank of Canada and your RBC Bank U.S. accounts - 24/7 with no delay^{Legal Disclaimer 2} from your computer or mobile device.

Use your RBC Bank Visa Debit card to get cash at over 50,000 no-fee ATMs⁵ in all 50 states

Visit our no-fee ATM⁵ locator to find one near you. It’s convenient to get cash at popular nationwide retailers like Target, Walgreens and CVS.

Send and receive money person to person in the U.S.

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.

Pay your U.S. credit cards and other bills and deposit U.S. checks online, anywhere

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.

You don’t need to be a U.S. resident. We use your Canadian address to open your account.
Deposit U.S. checks using your smartphone or tablet.
10 debits per month; $1 per additional debit¹¹.
No minimum balance.
FDIC insured up to $250,000 per ownership category¹².

U.S. Credit Card
Visa Signature Black

A No-Annual-Fee³ U.S.-based rewards credit card that uses your Canadian credit history to qualify.

Annual Fee: $0³

Introductory APR: 0% for 6 months

No foreign transaction fees⁴ on U.S. purchases

Save 2-3% on U.S. purchases by avoiding foreign transaction fees⁴ – and make returns in USD, without concern for currency fluctuations.

1 RBC Rewards point for every $1 spent⁶

Redeemable for travel, gift cards, merchandise, unlimited 1% cash back⁷.

Redeem points for travel with any airline, any flight, any time or unlimited 1% cash back⁷

No blackout periods or seat restrictions.
Redeem points for flights and hotels.
Easily manage and redeem your points for travel through Online Banking.

Build Your U.S. Credit History

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.

Built-in insurance⁸ that protects your travels, purchases and more
Enjoy travel perks such as signature concierge services to scheduled events and access to tickets.
You’re covered by Visa’s Zero Liability Policy¹³ protecting you against unauthorized use.

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. HomePlus^TM Advantage is built exclusively for Canadians to provide full-service support through every step of the U.S. home buying process.

Learn More

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 ATMs⁵ 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

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 December 31, 2023 and enjoy no-annual-fee cross-border banking for 1 year¹.

Get This Bundle in 5 Minutes

Legal Disclaimer

RBC Bank, Equal Housing Lender

Member FDIC.

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

Legal Disclaimer¹

Offer period is November 1^st, 2021 through December 31, 2023 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period. To qualify, client must open a new RBC Bank Direct Checking account and apply for an RBC Bank credit card at the same time before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. RBC Bank Direct Checking account must be funded according to the Personal Schedule of Fees. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year from account open date. All other checking account fees apply. If a client applies for a RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.

Legal Disclaimer²

No foreign transaction fees or transfer fees will be charged. Foreign exchange rates apply when converting currencies Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your account transaction history until the following day but will reflect the date of transfer.

Legal Disclaimer³

All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Platinum: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. Late Payment Fee - up to $35. Returned Payment Fee - up to $35. Annual Fee Visa Signature Black Plus - $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 8.50% as of July 27, 2023.

Legal Disclaimer⁴

While there are no foreign transaction fees for purchases in the U.S. or in USD, there are foreign transaction fees for purchases conducted in foreign currency. RBC Bank Foreign Transactions: Signature: 1.5% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. Platinum: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency.

Legal Disclaimer⁵

There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees for details.

Legal Disclaimer⁶

Refer to the RBC Rewards Program Rules and Conditions provided with your credit card for details. Rewards Points are not earned on balance transfers and cash advances.

Legal Disclaimer⁷

1.00% cash back from the RBC Bank Visa Signature Black/Visa Platinum Rewards credit cards and 1.25% cash back from the RBC Bank Visa Signature Black Plus credit card can only be redeemed with RBC Rewards Points.

Legal Disclaimer⁸

All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Legal Disclaimer⁹

This company is not affiliated with RBC Bank and RBC Bank is not responsible for the offer provided by this company.

Legal Disclaimer¹⁰

RBC Mobile and RBC Online Banking are operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Legal Disclaimer¹¹

Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank of Canada account and RBC Bank account in the same name.

Legal Disclaimer¹²

Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov.

Legal Disclaimer¹³

Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.

Legal Disclaimer¹⁴

You must enroll as an RBC Bank (U.S.) client to take advantage of these exclusive offers. These offers are subject to their respective terms and conditions which can be accessed upon enrollment. Offers are subject to change and can be withdrawn at any time. Cross-Border Offers & Perks – RBC Bank . These companies are not affiliated with RBC Bank and RBC Bank is not responsible for the offers provided by each company or their respective terms and conditions.

Legal Disclaimer^†

Prime Rate: As published in the Wall Street Journal; current rate is 8.50% as of July 27, 2023.

Direct Checking	Details
Access U.S. Cash	At over 50,000 no-fee⁶ ATMs Large retailers offering cash-back at point of sale Other banks' ATMs (we'll reimburse the fee they charge, up to your account limit and on request⁶)
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 USD deposit required to open the account
Monthly Debits	10/month $1 per additional debit
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
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.

Key Benefits You Get as a Canadian Making a Move to the U.S.

Thinking of Buying a U.S. Home?

The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians

The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians

Apply Online In Just 5 Minutes

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Get the Cross-Border Banking Bundle Created Specifically for Canadians in the U.S. - in Only 5 Minutes

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Insurance¹¹