Trusted by over half a million Canadians who travel, work or live in the U.S.

LIMITED TIME OFFER

Enjoy Cross-Border Banking With No Annual Fee^{Legal 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 & includes:

A Direct Checking U.S. bank account
A Visa^{Legal Disclaimer (opens in popup)‡} Signature Black credit card with no annual fee^{Legal Disclaimer (opens in popup)20}

Offer Expires March 31, 2026. Conditions apply.

Top benefits of the RBC Cross-Border Banking Bundle

Unlimited, instant & free transfers^{Legal 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 Canada^{Legal 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 of $1,500 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
Checking

Insured up to
$250,000^{Legal Disclaimer (opens in popup)12}

3-Year Offer $0 Fee rebate
up to 3 years

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 ATMs^{Legal 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

★ Save for up to 3 years with no commitment

★ Save for 1 year with no commitment

U.S. Travel CREDIT CARD

Visa^{Legal Disclaimer (opens in popup)‡} 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. purchase – no surprises^{Legal Disclaimer (opens in popup)19}
- Earn Avion points
  
  Earn 1 Avion point for every $1 spent. Transfer 1:1 back to Canada or enjoy 1% cash back^{Legal Disclaimer (opens in popup)24}
- Earn Avion points
  
  Earn 1 Avion point for every $1 spent. Transfer 1:1 back to Canada or enjoy 1% cash back^{Legal Disclaimer (opens in popup)24}
Get insurance up to $500,000^{Legal Disclaimer (opens in popup)9}

With trip coverage up to $5,000 and purchase security

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.

Compare offers table
	3 years with minimum balance	1 year no minimum balance
No annual fee banking	$0 with monthly fee rebates for up to 3 years^{Legal Disclaimer (opens in popup)53}	$0 waiver for 1 year^{Legal Disclaimer (opens in popup)29}
Save the typical 2.5% FX transaction fees on USD purchases^{Legal Disclaimer (opens in popup)36}
No annual fee travel rewards credit card
Daily minimum balance	$1,500 USD	none
Apply by March 31, 2026

3 years

with minimum balance

1 year

no minimum balance

No annual fee banking

with monthly rebate
for up to 3 years^{Legal Disclaimer (opens in popup)53}

waiver for 1 year^{Legal Disclaimer (opens in popup)29}

Save the typical 2.5% FX transaction
fees on USD purchases^{Legal Disclaimer (opens in popup)36}

No annual fee travel rewards credit card

Daily minimum balance

$1,500 USD

none

Apply by March 31, 2026

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.

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.

All you’ll need to open an RBC Bank U.S. account online:

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).

More Direct Checking details table
Transfers between the U.S. and Canada	Unlimited, instant and free – up to $25,000 in a single transfer
Pay U.S. bills	Online, anytime via U.S. Bill Pay or U.S. dollar checks
P2P transfers	Transfer money between U.S. accounts via PayPal^{Legal Disclaimer (opens in popup)‡}
Minimum balance	$0; $50 deposit required to open
Monthly debits	10 debits per month; $1 per debit after^{Legal Disclaimer (opens in popup)11}
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
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

More Visa Signature Black details table
Introductory APR	0% for 6 months
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,^{Legal Disclaimer (opens in popup)6} then redeem your Avion points for 1% cash back^{Legal Disclaimer (opens in popup)24} or transfer the points to your Canadian Avion account^{Legal Disclaimer (opens in popup)7}
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}

More Visa Signature Black details table

Introductory APR

0% for 6 months

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,^{Legal Disclaimer (opens in popup)6} then redeem your Avion points for 1% cash back^{Legal Disclaimer (opens in popup)24} or transfer the points to your Canadian Avion account^{Legal Disclaimer (opens in popup)7}

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}

Your Cart

Enjoy Cross-Border Banking With No Annual Fee^{Legal Disclaimer (opens in popup)29}^,^{Legal Disclaimer (opens in popup)53}

Top benefits of the RBC Cross-Border Banking Bundle