Key banking benefits for Canadians
For over 20 years, RBC has been providing secure and easy U.S. banking to over 450,000 Canadians.
![](https://www.rbcroyalbank.com/services/cross-border/_assets-custom/images/rbc-leaf-star.png)
Cross-border banking bundle
![RBC Bank U.S. Bank Account – Direct Checking](https://www.rbcroyalbank.com/usbanking/_assets-custom/images/microsite/card-direct-checking.png)
Direct Checking
Make unlimited instant online exchanges and transfers between the U.S. and Canada
- 10 debits/month; $1 per additional debit11
- 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 accounts with a single sign-in and transfer funds back and forth across the border
- FDIC insured up to $250,000 per ownership category12
![RBC Bank U.S. Credit Card – Visa Signature Black](https://www.rbcroyalbank.com/services/cross-border/_assets-custom/images/rbc-credit.jpg)
VisaLegal Disclaimer (opens in popup)‡ Signature Black
Pay no annual fee, earn rewards and use your Canadian credit history to qualify
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 Policy8 protecting you against unauthorized use
Partners & perks
![Maple](https://www.rbcroyalbank.com/services/cross-border/_assets-custom/images/maple.png)
Maple
Skip the waiting room and get discounted consultations. See a doctor online in the U.S. and Canada with Maple
![Avis](https://www.rbcbank.com/offers/_assets-custom/images/logos/avis.png)
Avis
Save on select Avis car rentals
![Budget](https://www.rbcroyalbank.com/services/cross-border/_assets-custom/images/budget.png)
Budget
Save on select Budget car and truck rentals
![MyUS.com](https://www.rbcroyalbank.com/services/cross-border/_assets-custom/images/myus.png)
MyUS.com
Shop at any U.S. online retailer and save on shipping with MyUS.com
![Puls](https://www.rbcbank.com/offers/_assets-custom/images/logos/puls.png)
Puls
Enjoy 15% off any home electronic service including installation and repairs with Puls
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