Great! Let’s Get Your Cross-Border Bundle Opened
Are you an RBC Royal Bank client in Canada?
You can open this bundle online in 5 minutes
This cross-border banking solution is specifically designed for Canadians and includes:
Each account owner must be 18 years or older, live in Canada or the U.S. and provide:
- Social Insurance Number (SIN) or Social Security Number (SSN)
- Driver’s license, passport or government ID
To help the U.S. government fight terrorism and money laundering, federal law requires us to obtain, verify and record information identifying each person opening an account. We may ask to see your driver’s license or other identifying documents.
Now's a Great Time to Switch to RBC
Head to any branch to get a no monthly fee Canadian bank account7 + a premium U.S. bank account with a $50 rebate for the first year1 and an eligible no-fee4 U.S. rewards credit card. Offer ends December 31, 2023.
Send This Offer to Your Email

U.S. Bank Account
Premium Checking
Annual Fee: $49.50 for the first yearLegal Disclaimer 1

U.S. Credit Card
Visa Signature Black
Annual Fee: $04

Canadian Bank Account
RBC Advantage Account for students
- Unlimited debit transactions in Canada
- Free Interac e-Transfer transactions in Canada5
- RBC Mobile Student Edition app6 for cross-border transfers
- Get $100, and RBC will give $100* to an eligible charity of your choice7
Monthly Fee: $0 for full-time students8
*Up to $500,000 CAD (in total contributions).
Conditions apply. Offer expires January 31, 2024
To open an account in branch, you must be 18 years or older, live in Canada or the U.S. and provide:
- Social Insurance Number (SIN) or Social Security Number (SSN)
- Driver’s license, passport or government ID
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: 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.