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.
Limited Time Offer
Switch to RBC and get no monthly fee banking in Canada and the U.S. for 1 yeari
Head to any branch to get a no monthly fee Canadian bank account + a no annual fee U.S. bank account and an eligible U.S. rewards credit card for $0 for the first year. Offer ends October 31, 2025.
Send this offer to your email
U.S. bank account
Direct Checking
Annual fee: $0 for the first year
U.S. credit card
Visa Signature Black
Annual fee: $0
Canadian bank account
Day to Day Banking
- 12 debits/month; $1 per additional debit*
- Free InteracLegal Disclaimer‡ e-Transfer transactions in Canada
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.
- Award-winning RBC Mobile app
Monthly fee: $0 for the first year
$0 introductory monthly maintenance fee for 12 months. After the introductory period, a monthly fee of $4 CAD will apply unless other conditions are met. Transaction limits apply.
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
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, 2025 (“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)