U.S. CROSS-BORDER BANKING FOR CANADIANS
Bundle a U.S. Credit Card and Checking Account to SaveLegal Disclaimer (opens in popup)29
Offer ends October 31, 2025.
Use your Canadian credit history and address to apply.
Everyday benefits
included with RBC Cross-Border Banking
Unlimited, instant and free cross-border transfersLegal Disclaimer (opens in popup)1
Access to over 50,000 ATMs in all 50 statesLegal Disclaimer (opens in popup)2
No foreign transaction fees on U.S. purchasesLegal Disclaimer (opens in popup)19
Earn 1 Avion point for every $1 spentLegal Disclaimer (opens in popup)6
Get your U.S. checking account and credit card in minutes
For over 20 years, we’ve helped over 500,000 Canadians who shop, travel, study or live in all 50 states.
Your banking bundle comes with:
U.S. Checking Account
Direct Checking
SPECIAL OFFER
Annual Fee
$0
/ first yr
-
10 debits per month
$1 per additional debitLegal Disclaimer (opens in popup)11 -
Easy access to U.S. cash
Access 50,000+ no fee ATMs in the U.S. -
No minimum balance
$50 deposit required to open
Direct Checking features
| Transfers between the U.S. and Canada | Unlimited, instant and free – up to $25,000 in a single transfer |
| ATM access | Over 50,000 ATMs across all 50 states |
| P2P transfers | Transfer money between U.S. accounts via PayPal Legal Disclaimer (opens in popup)‡,Legal Disclaimer (opens in popup)39 |
| Tap and go | Contactless payment at participating merchants – just tap your card or add it to your Apple Wallet |
| Minimum balance | $0; $50 deposit required to open |
| Debits | 10 debits per month; $1 per debit afterLegal Disclaimer (opens in popup)11 |
| Online, mobile and telephone banking | Available 24/7 |
| Pay U.S. bills | Online, anytime with U.S. Bill Pay or via U.S. dollar checks |
| Pay your credit card bill | Online, anytime with U.S. Bill Pay |
| Deposit U.S. dollars and checks | Online, anytime or through our network of ATMs |
| Checks | Order through online banking |
| FDIC insurance | All deposits insured up to $250,000 |
| Nationwide coverage | Yes – bank in all 50 states |
| Make USD purchases | Online or over the phone wherever Visa is accepted |
| Chip and PIN | Included on all cards to enhance fraud protection |
| Foreign transaction fees | Not on any USD purchase |
| Visa Checkout | Link your card and pay online or on the go from your mobile phone or tablet in one quick, secure step |
| Visa's Zero Liability PolicyLegal Disclaimer (opens in popup)10 | You're protected with no personal liability in the event of fraudulent use |
Annual Fee
$0
/ yr
Additional Card
$0
/ yr
Introductory APR
0%
/ 6 mos
-
No foreign transaction fees
on U.S. purchases -
Avion Rewards
Earn 1 Avion point for every $1 you spend -
Redeem your points
For 1% cash back or transfer your points to Canada at a rate of 1:1Legal Disclaimer (opens in popup)24,Legal Disclaimer (opens in popup)7
Visa Signature Black features
| Tap and go | Contactless payment at participating merchants – just tap your card or add it to your Apple Wallet |
| Build U.S. credit history | Apply for a U.S. credit card with your Canadian credit history – then, start building your U.S. credit |
| Earn Avion points | Earn 1 Avion point for every $1 spent on your card, then redeem your Avion points for 1% cash back or transfer the points to your Canadian Avion account |
| Insurance benefits |
Enjoy built-in insurance benefits that protect you and your money:
|
| Roadside assistance | Included |
| Emergency card replacement and disbursement | Included |
| Emergency cash and card replacement | Included |
| Easy to use | Yes, just tap your RBC Bank credit card anywhere Visa is accepted – in-store, online and over the phone |
| Easy to pay off | Yes, you can pay your credit card bill by selecting the "Pay Now" button in online banking |
| Secure banking | You're protected by several layers of fraud prevention technology via the chip technology embedded into your RBC Bank credit card. If something goes wrong, you’re protected by Visa's Zero LiabilityLegal Disclaimer (opens in popup)10 |
SPECIAL OFFER
Annual Fee
$0
/ first yr
-
10 debits per month
$1 per additional debitLegal Disclaimer (opens in popup)11 -
Easy access to U.S. cash
Access 50,000+ no fee ATMs in the U.S. -
No minimum balance
$50 deposit required to open
Annual Fee
$0
/ yr
Additional Card
$0
/ yr
Introductory APR
0%
/ 6 mos
-
No foreign transaction fees
on U.S. purchases -
Avion Rewards
Earn 1 Avion point for every $1 you spend -
Redeem your points
For 1% cash back or transfer your points to Canada at a rate of 1:1Legal Disclaimer (opens in popup)24,Legal Disclaimer (opens in popup)7
Cross-border
offers & perksLegal Disclaimer (opens in popup)39
With RBC Bank, your benefits go beyond banking. Enjoy thousands of offers, discounts and deals across Canada and the U.S., all unlocked through cross-border banking.
Travel and attraction discounts
in the U.S. & CanadaLegal Disclaimer (opens in popup)43
Get access to over 300,000 discounts on attractions, hotels, restaurants and more.
Get a discount of up to 25% on car and SUV rentalsLegal Disclaimer (opens in popup)45
Go anywhere in style and save! Enjoy discounted rental rates for your next cross-border road trip.
Get a discount of up to 35% on car and truck rentalsLegal Disclaimer (opens in popup)46,Legal Disclaimer (opens in popup)47
Making a move or planning a road trip? We've got you covered.
Save on cross-border shopping & shippingLegal Disclaimer (opens in popup)51
Shop U.S. deals online and have them shipped directly to Canada at special, discounted rates.
Shop U.S. deals online and have them shipped directly to Canada at special, discounted rates.
