(EN)
What you’ll need to apply online.
It’s quick and easy and takes less than 5 minutes. You can start your no obligation application online right now.
Trusted by over half a million Canadians who travel, work or live in the U.S.
LIMITED TIME OFFEREnjoy Cross-Border Banking With No Annual FeeLegal Disclaimer (opens in popup)29,Legal Disclaimer (opens in popup)53
Your cross-border bundle makes managing finances across the border easy, rewarding & stress-free. It includes:
- Your choice of a Premium or Direct Checking U.S. bank account
- A VisaLegal Disclaimer (opens in popup)‡ Signature Black credit card with no annual feeLegal Disclaimer (opens in popup)20
Offers expire October 31, 2026. Conditions apply.
Top benefits of the RBC Cross-Border Banking Bundle
Unlimited, instant & free transfersLegal Disclaimer (opens in popup)1
Seamlessly manage your finances anytime, anywhere with a single login with unlimited, instant, and free 24/7 transfers.
Credit card savings that add up
Say goodbye to 2.5% foreign transaction fees – that’s $25 on every $1,000 USD you spend.Legal Disclaimer (opens in popup)36
Avion points on every dollar
Earn 1 Avion point per dollar with your RBC U.S. credit card.Legal Disclaimer (opens in popup)6 Transfer 1:1 to CanadaLegal Disclaimer (opens in popup)7 or redeem for travel, rewards or 1% cash back.Legal Disclaimer (opens in popup)24
Heading to the U.S.?
Two great no annual fee bundle offers to choose from
Enjoy monthly fee rebates for up to 3 years with a minimum daily balance when you bundle.Legal Disclaimer (opens in popup)53
Get no annual fee for 1 year with no minimum daily balance when you bundle.Legal Disclaimer (opens in popup)29
U.S. CHECKING ACCOUNT
Direct
Premium
Direct
Checking
Premium
Checking
Insured up to
$250,000Legal Disclaimer (opens in popup)12
3-Year Offer
$0
Fee rebate
up to 3 years with a
$1,500 minimum daily balance Fee rebate
up to 3 years with a
$3,000 minimum daily balance
up to 3 years with a
$1,500 minimum daily balance Fee rebate
up to 3 years with a
$3,000 minimum daily balance
1-Year Offer
$0
No annual fee for 1 year
-
Unlimited instant currency exchange
Transfer funds between your RBC Canadian & U.S. accounts 24/7 – for free
-
50,000+ no-fee ATMsLegal Disclaimer (opens in popup)2
Access your money in all 50 states
-
Pay U.S. bills & deposit checks
Manage your U.S. banking no matter where you are
-
Unlimited debit transactions
Tap, click and swipe without extra fees.
-
Preferred foreign exchange rate
When transferring CAD <> USD online.
-
Get your first 40 checks on us
Shipping & handling charges may apply
Save for up to 3 years with no commitment.
Save for 1 year with no commitment
U.S. Travel CREDIT CARD
Visa Signature
Visa Signature
Black
No Annual Fee
$0
per year
-
Save 2.5% on U.S. purchases
No foreign transaction fees save you on every U.S. purchaseLegal Disclaimer (opens in popup)19 – no surprises.
-
Get insurance up to $500,000
With trip coverage up to $5,000 and purchase security.Legal Disclaimer (opens in popup)9
Use your Canadian credit history and address to apply.
Compare offers side-by-side
Compare features, savings and benefits side-by-side to pick the right offer for your financial goals –
choose the one that fits your lifestyle.
|
Direct Checking + Visa Signature Black Premium Checking + Visa Signature Black |
3 years
|
1 year
|
|---|---|---|
| No annual fee banking | $0 with monthly fee rebates for up to 3 yearsLegal Disclaimer (opens in popup)53 |
$0 waiver for 1 yearLegal Disclaimer (opens in popup)20 |
| Save the typical 2.5% FX transaction fees on USD purchases |  |
|
| No annual fee travel rewards credit card | |
|
| Daily minimum balance | $1,500 USD $3,000 USD | none |
| Apply by October 31, 2026 |
Get 10 monthly debits per month with no feesLegal Disclaimer (opens in popup)11 with Direct Checking.
Get unlimited Monthly Debits and Preferred foreign exchange rate with Premium Checking.
Need unlimited debits and preferred foreign exchange rates?
Want the 3-year offer with a lower $1,500 minimum balance, or don't need unlimited debits and preferred FX rates?
Direct Checking + Visa Signature Black
Premium Checking + Visa Signature Black
3 years
with minimum balance
1 year
no minimum balance
No annual fee banking
$0
with monthly fee rebate
for up to 3 yearsLegal Disclaimer (opens in popup)53
for up to 3 yearsLegal Disclaimer (opens in popup)53
$0
waiver for 1 yearLegal Disclaimer (opens in popup)20
Save the typical 2.5% FX transaction
fees on USD purchases
fees on USD purchases
No annual fee travel rewards credit card
Daily minimum balance
$1,500 USD
$3,000 USD
none
Apply by October 31, 2026
Get 10 monthly debits per month with no feesLegal Disclaimer (opens in popup)11 with Direct Checking.
Get unlimited Monthly Debits and Preferred foreign exchange rate with Premium Checking.
Need unlimited debits and preferred foreign exchange rates?
Want the 3-year offer with a lower $1,500 minimum balance, or don't need unlimited debits and preferred FX rates?
The RBC difference: trusted expertise and support
Designed for Canadians with experience, simplicity and support you can count on.
20+ years of expertise
RBC is trusted by more than half a million clients for their cross-border banking needs.
Secure online application
Apply in just 5 minutes — no U.S. address or Social Security Number required.
Use your Canadian credit
Use your existing credit history to qualify, making the process simple and stress-free.
We’re with you 24/7.
Manage your money from anywhere, through online and mobile banking or speak to our dedicated, bilingual Canadian experts whenever you need help.
Be 18 years or older and live in
Canada or the U.S.
You don’t have to have a U.S. address — use your Canadian address to apply.
Have a SIN or SSN
Unlike other banks, you don’t need a U.S. Social Security Number to apply.
Have a government ID
Use your driver’s license, passport number or other official government ID.
If you already bank at RBC, please have your client card number (16-digit number on your card).