Cross-Border Bundle for Canadians Banking in the U.S.

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.

U.S. CHECKING ACCOUNT

Direct Checking

With this account, you'll enjoy:

Unlimited & instant transfers between the U.S. and Canada — for free^{Legal Disclaimer (opens in popup)1}
Free access to over 50,000 ATMs across all 50 states^{Legal Disclaimer (opens in popup)2}
Paying your U.S. credit card and other bills and depositing U.S. checks online

SPECIAL OFFER

Annual Fee

/ first yr

More account features(opens modal window)

Direct Checking features

Responsive Table Example
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 after^{Legal 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 Policy^{Legal Disclaimer (opens in popup)10}	You're protected with no personal liability in the event of fraudulent use

U.S. CREDIT CARD

Visa^‡ Signature Black

With this card, you'll enjoy:

Paying no transaction fees on your USD purchases^{Legal Disclaimer (opens in popup)19}
Earning 1 Avion point for every $1 spent on your card^{Legal Disclaimer (opens in popup)6}
Redeeming your Avion points for 1% cash back^{Legal Disclaimer (opens in popup)24} or transferring them back to Canada at a 1:1 value

Annual Fee

$0 / yr

Additional Card

$0 / yr

Introductory APR

/ 6 mos

More card features(opens modal window)

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: Trip cancellation or interruption insurance up to $5,000 Travel accident insurance up to $500,000 Lost luggage reimbursement up to $3,000 Auto rental collision damage waiver Cellphone insurance up to $200 ($50 deductible) Purchase security up to $500 per occurrence
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 Liability^{Legal Disclaimer (opens in popup)10}

Cross-border offers & perks

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.^{Legal Disclaimer (opens in popup)39}