Key Benefits for Canadians Travelling to the U.S.
For 17 years, RBC has been providing secure and easy U.S. banking to over 400,000 Canadians.
No worrying about drafts and wires. Enjoy free transfers between your RBC Royal Bank of Canada and your RBC Bank U.S. accounts - 24/7 with no delay2.
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 App10 with a U.S. cell number. You can also transfer funds to other U.S. accounts in Online Banking.
Visit our no-fee5 ATM locator to find one near you. Use your RBC Bank Visa debit card.
Cross-Border Banking Bundle
U.S. Bank AccountDirect Checking
Make unlimited instant online exchanges and transfers2 between the U.S. and Canada
Annual Fee: $0 for the first year1
- 10 debits/month; $1 per additional debit6
- Pay your U.S. credit card and other bills and deposit U.S. checks online
- $0 minimum balance; $50 deposit required to open
- Link your RBC Bank and RBC Royal Bank of Canada accounts with a single sign-in and transfer funds back and forth across the border
- FDIC insured up to $250,000 per ownership category11.
U.S. Credit CardVisa Signature Black
Pay no annual fee3, earn rewards and use your Canadian credit history to qualify
Annual Fee: $03
Introductory APR: 0% for 6 months
- Avoid currency fluctuations for U.S. dollar transactions
- Roadside assistance
- Emergency cash and card replacement
- Enjoy travel perks such as signature concierge services to scheduled events and access to tickets.
- You’re covered by Visa’s Zero Liability Policy12 protecting you against unauthorized use.
Partners & Perks
Abenity
Save with 300,000 discounts on hotels, restaurants, attractions and more10
Avis
Save on select Avis10 car rentals
Budget
Save on select Budget10 car and truck rentals
MyUS.com
Shop at any U.S. online retailer and save on shipping with MyUS.com10
Puls
Enjoy 15% off any home electronic service including installation and repairs with Puls10
Maple
Skip the waiting room and get discounted consultations – See a doctor online in the U.S. and Canada with Maple10
Canadians Travelling to the U.S.
Apply Online In Just 5 Minutes
It’s easy and quick.
Apply Online with Your Canadian Address
You don’t need to be a U.S. resident or have a U.S. address
Legal Disclaimer
RBC Bank, Equal Housing Lender 
Member FDIC.
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 January 1, 2024 through October 31, 2024 (“Offer Period”). To qualify, client must be a new RBC Bank client, 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 (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and apply for an RBC Bank credit card on the same business day and both accounts must be opened in the name of the Eligible Personal Client. RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply on all RBC Bank products, including funding requirements and other applicable fees. Offer cannot be combined with any other RBC Bank checking offers. Employees of Royal Bank of Canada and their affiliates do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. Only one offer per Eligible Personal Client.
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. While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction. 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 8.00% as of
September 19, 2024.
Legal Disclaimer4
While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction.
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
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 Disclaimer7
Refer to the Avion Rewards Program Rules provided with your card for details. Avion points are not earned on balance transfers and cash advances.
Legal Disclaimer8
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 Avion points.
Legal Disclaimer9
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 Disclaimer10
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 Disclaimer11
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 Disclaimer12
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 Disclaimer†
Prime Rate: As published in The Wall Street Journal; current rate is 8.00% as of September 19, 2024.
