Switch to RBC and Get No Monthly Fee Banking in Canada and the U.S. for 1 Year¹

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There is a limit of 999 free Interac e-Transfer transactions per month per account; for every Interac e-Transfer transaction over the limit, you will be charged $1. Interac e-Transfer transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.

Offer is available until 9pm EST on October 31, 2025 to all new Eligible Personal Clients who open an RBC Bank U.S. Direct Checking Account, open an RBC Day to Day Banking account and apply for an RBC Bank U,S. credit card during the Promotional Period via in branch or Advice Centre and comply with all other terms of the offer. The monthly maintenance fee of $4 will be waived for the first twelve (12) months upon account opening of the RBC Day to Day Banking account, and the monthly ($3.95 USD) or annual maintenance fee ($39.50 USD) will be waived for one (1) year from account opening of the RBC Bank U.S. Direct Checking account. Other standard account fees may apply. The RBC Bank Visa Signature Black Plus credit card is not eligible for an annual fee waiver under this offer. All loans and lines of credit are subject to approval. Only one offer per Eligible Personal Client. For complete offer details, including defined terms, please visit http://www.rbcroyalbank.com/dms/cross-border-banking/_assets-custom/includes/terms-and-conditions.html (opens in popup window).

All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction. Late Payment Fee – up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in The Wall Street Journal; current rate is 7.50% as of December 19, 2024.

Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank account transaction history until the following day but will reflect the date of transfer.

RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. FederalDeposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and servicesare offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. rbcbank.com

There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees (PDF) for details.

Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.

Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). For details visit fdic.gov (opens to external site).

While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black – 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus – Foreign transaction fee does not apply, Visa Platinum – 3.0% of the U.S. dollar amount of the transaction.

Refer to the Avion Rewards Program Rules (opens to external site) provided with your card for details. Avion points are not earned on balance transfers and cash advances.

Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.

Prime Rate: As published in The Wall Street Journal; current rate is 7.50% as of December 19, 2024.

Subject to credit approval. Overdraft Interest applies if used.