Great! Let’s Get Your Cross-Border Bundle Opened

The RBC Bank Premium Cross-Border Bundle for Students (“the Bundle”) offer is available for new RBC Bank U.S. student clients or existing RBC Royal Bank student clients. To be eligible for the $50 Bundle refund, the client must be age of majority in their province or territory of residence and a new RBC Bank client, defined as an individual who has not been a primary or secondary accountholder on any RBC Bank (U.S.) checking account in the 18 months prior to the Bundle open date (“Eligible Personal Client“). To qualify, the Eligible Personal Client must open a new RBC Bank Premium Checking account (annual fee $99.50) and apply for any RBC Bank U.S. credit card using promo code “STU2021P” by December 31, 2023. The RBC Bank Premium Checking account and credit card application must be submitted on the same day and have the same accountholder(s) on both accounts. Credit card applicants under age 21 must submit independent means of income or the student applicant can still qualify with a co-signer who is over age 21 and has the ability to pay the debt and qualifies. RBC Bank Premium Checking account must be funded according to the Personal Schedule of Fees. All other checking account fees apply. Offer cannot be combined with any other RBC Bank offers. Offer is available for a limited time only and can be modified or withdrawn at any time. Offer fulfillment: On account opening, RBC Bank will refund $50 USD. Credit will be made to the eligible client’s RBC Bank Premium Checking account within 30 days of account opening provided their account is in good standing at the time the individual refund is applied. Only one offer per Eligible Personal Client.

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.

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 (www.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 for details.

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. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Platinum: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. 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 8.50% as of July 27, 2023.

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.

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Mobile Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.

Offer available November 1, 2023 – January 31, 2024 (“Promotional Period”)

This offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the offer. The Promotional Offer is $100 Bonus Amount deposited in your Eligible Personal Banking Account and a $100 Charitable Bonus donated by RBC to one of eight RBC-approved charities as selected by you, if you have fulfilled all Qualifying Criteria and conditions of the Promotional Offer.

To qualify for the Promotional Offer you must open your first new Eligible Personal Banking Account by 9:00 PM EST on January 31, 2024 and complete one of the following Qualifying Criteria by 9:00 PM EST on March 29, 2024 using your Eligible Personal Banking Account:

• i. a minimum of three (3) debit transactions;
• ii. register your Eligible Personal Banking Account for Interac auto deposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
• iii. enroll for a Virtual Visa Debit Card and make one (1) transaction

NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions.

NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.

The $100 cash component of the Promotional Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.

To claim the charitable bonus offer:

Beginning December 5, 2023, we will notify you by way of an email to the email address we have recorded in your client profile, when you have fulfilled the Qualifying Criteria and qualified for the Charitable Bonus portion of the Promotional Offer. This message will be sent at any time up to seven (7) business days after all Qualifying Criteria have been completed. The message will contain a link that will permit you to visit a webpage where you will be able to select a charitable cause of your choice from among the options presented thereon. After you have made your selection, RBC will donate the Charitable Bonus amount to an RBC-approved charity that supports the charitable cause you selected. In order to have your Charitable Bonus allocated accordingly, you must make your selection by April 30, 2024.

This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/getgiveofferterms.

Offer is available until 9pm EST on December 31, 2023 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. Visa Signature Black or RBC Bank U.S. Visa Signature Plus credit card during the Promotional Period via in branch or Advice Centre and comply with all other terms of the offer. The RBC Day to Day Banking account monthly 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 RBC Bank U.S. Direct Checking account 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. If you apply for the RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card will not be waived. 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