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This cross-border banking solution is specifically designed for Canadians and includes:

U.S. bank account

Direct Checking

With $0 annual fee for the first year,²⁹ 24/7 unlimited instant exchange and transfers¹ and access to over 50,000 no-fee ATMs² nationwide

U.S. credit card

Visa Signature Black

With $0 annual fee,²⁰ and flexible rewards for Canadians

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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.

Legal Disclaimer^‡

All other trademarks are the property of their respective owners.

Legal Disclaimer^*

Debit transactions in the Day to Day Banking and U.S. personal accounts: RBC Virtual Visa debits, third-party payment debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Retirement Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking account or U.S. personal account are free of charge. All other debit transactions from these accounts are counted as debit transactions towards the free monthly debit transactions included in the account, and give rise to an Excess Debit Transaction Fee, if the total free monthly debit transactions are exceeded.

Legal Disclaimerⁱ

Offer period is January 1, 2024 through October 31, 2026 (“Offer Period”). Offer is available for clients who open a new RBC Day to Day Banking account. To qualify, clients must open an RBC Day to Day Banking account and be a new RBC Bank client, defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and have or apply for an RBC Bank credit card at the same time before the end of the Offer Period. Checking account and credit card application must have the same accountholder(s) on both accounts. For eligible clients, 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, plus RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply, including funding requirements and other applicable fees. Fees on all other RBC Bank products continue to apply, including fees on the RBC Bank Visa Signature Black Plus credit card. Offer cannot be combined with any other RBC Bank offers. Employees of Royal Bank of Canada do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. 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 new window)