Bundle up for great savings and less hassle
Let us introduce you to our money-saving, no-wasting-your-time cross-border banking bundles.
Smart shopper bundle
With a U.S. credit card and bank account, this bundle is perfect for savvy Canadian cross-border shoppers who:
- Spend over $1,600 in the U.S. annually
- Use their card to shop for and return items in U.S. dollars
- Need easy, no-fee access to cash at U.S. ATMs2
Are you an RBC Royal Bank client in Canada?
You’re in luck — now is a great time to switch to RBC!
Great! Here’s what you’ll get with this bundle:
Convenient, low-fee U.S. bank account
Direct Checking
- 10 debits per month; $1 per additional debit11
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
- Open an account using your Canadian address
Annual fee: $0 USD for the first year29
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
Annual fee: $0 USD for the first year29
No annual fee20 U.S. credit card with rewards
Visa‡ Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual fee: $0 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
$0 for the first year
$0 for the first year
$75 USD for the first year
$75 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S. using your Canadian credit history!
Pay no monthly fee for cross-border banking for a year13
Here’s what you’ll get with this bundle:
(You’ll need a Canadian RBC account to enjoy cross-border banking)
Canadian bank account with low fees
RBC Day to Day Banking
Convenient, low-fee U.S. bank account
Direct Checking
- 10 debits per month; $1 per additional debit11
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
- Open an account using your Canadian address
Annual fee: $0 USD for the
first
year
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
Annual fee: $0 USD for the first year29
No annual fee20 U.S. credit card with rewards
Visa‡ Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual fee: $0 USD
Additional card: $0 USD
Intro APR: 0% for 6
months
$0 for the first year
$0 for the first year
$75 USD for the first year
$75 USD for the first year
Switch to RBC and get no monthly fee banking in Canada and the U.S. for 1 year!
Switch to RBC and get no monthly fee banking in Canada and the U.S. for 1 year!
Take 5 minutes and apply online for everything you need to bank in the U.S. using your Canadian credit history!
Take 5 minutes and apply online for everything you need to bank in the U.S. using your Canadian credit history!
We’ll send this offer straight to your email. Then, just head to an RBC branch to finish applying.
To open an account in branch, you must be 18 years or older, live in Canada or the U.S. and provide a:
- Social Insurance Number or Social Security Number
- Driver’s license, passport or government ID
Savvy snowbird bundle
With a U.S. credit card and bank account, this bundle is perfect for Canadian travellers and snowbirds who:
- Stay in the U.S. at least one month of the year
- Need easy, no-fee access to cash at U.S. ATMs2
- Pay bills in U.S. dollars and want to earn a great rate on their U.S. dollars
Are you an RBC Royal Bank client in Canada?
You’re in luck — now is a great time to switch to RBC!
Great! Here's what you’ll get with this bundle:
Convenient, low-fee U.S. bank account
Direct Checking
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
Annual fee: $0 USD for the first year29
No annual fee20 U.S. credit card with rewards
Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual fee: $0 USD
Additional card: $0 USD
Intro APR: 0% for 6
months
U.S. credit card with accelerated rewards
Visa Signature Black Plus
- No foreign transaction fees on any international purchases
- Earn 1.5 Avion points per $1 spent6
- Apply using your Canadian credit history
Annual fee: $75 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
A great rate on your U.S. dollars
U.S. Preferred Money Market Savings5
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
$0 for the first year
$0 for the first year
$75 USD for the first year
$75 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S. using your Canadian credit history!
Pay no monthly fee for cross-border banking for a year13
Here’s what you get with this bundle:
(You need a Canadian RBC account to enjoy cross-border banking)
Canadian bank account with low fees
RBC Day to Day Banking
Convenient, low-fee U.S. bank account
Direct Checking
- 10 debits per month; $1 per additional debit11
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
Open an account using your Canadian address
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
Annual fee: $0 USD for the first year29
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Open an account using your Canadian address
Annual fee: $0 USD for the first year
No annual fee20 U.S. credit card with rewards
Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual fee: $0 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
U.S. credit card with accelerated rewards
Visa Signature Black Plus
- No foreign transaction fees on any international purchases
- Earn 1.5 Avion points per $1 spent6
- Apply using your Canadian credit history
Annual fee: $75 USD
Additional card: $0 USD
Purchase rate: Low introductory APR
A great rate on your U.S. dollars
U.S. Preferred Money Market Savings5
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
Monthly fee: $0 USD
$0 for the first year
$0 for the first year
$75 USD for the first year
$75 USD for the first year
Switch to RBC and get no monthly fee banking in Canada and the U.S. for 1 year!
We’ll send this offer straight to your email. Then, just head to an RBC branch to finish applying.
To open an account in branch, you must be 18 years or older, live in Canada or the U.S. and provide a:
- Social Insurance Number or Social Security Number
- Driver’s license, passport or government ID
Lifestyle lover bundle
With a U.S. credit card and bank account, this bundle is perfect for Canadian snowbirds or expats in the U.S. who:
- Spend three or more months a year in the U.S.
- Pay bills in U.S. dollars and want our best foreign exchange rates
- Need no-fee access to cash at U.S. ATMs2 and make multiple debit transactions while in the U.S.
Are you an RBC Royal Bank client in Canada?
You’re in luck — now is a great time to switch to RBC!
Great! Here's what you’ll get with this bundle:
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
Annual fee: $0 USD for the first year29
Convenient, low-fee U.S. bank account
Direct Checking
Annual fee: $0 USD for the first year3
No annual fee20 U.S. credit card with rewards
Visa Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual fee: $0 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
U.S. credit card with accelerated rewards
Visa Signature Black Plus
- No foreign transaction fees on any international purchases
- Earn 1.5 Avion points per $1 spent6
- Apply using your Canadian credit history
Annual fee: $75 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
A great rate on your U.S. dollars
U.S. Preferred Money Market Savings5
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
$0 for the first year
$0 for the first year
$75 USD for the first year
$75 USD for the first year
Take 5 minutes and apply online for everything you need to bank in the U.S. using your Canadian credit history!
Pay no monthly fee for cross-border banking for a year13
Here’s what you get with this bundle:
(You need a Canadian RBC account to enjoy cross-border banking)
Canadian bank account with low fees
RBC Day to Day Banking
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Use your Visa Debit card to shop or get cash at over 50,000 no-fee ATMs across the U.S.
A great rate on your U.S. dollars
U.S. Preferred Money Market Savings5
- Earn our best interest rates on your U.S. dollars
- Save for an extended trip or a down payment on a vacation home
$0 for the first year
$0 for the first year
$75 USD for the first year
$75 USD for the first year
Switch to RBC and get no monthly fee banking in Canada and the U.S. for 1 year!
We’ll send this offer straight to your email. Then, just head to an RBC branch to finish applying.
To open an account in branch, you must be 18 years or older, live in Canada or the U.S. and provide a:
- Social Insurance Number or Social Security Number
- Driver’s license, passport or government ID
Ways RBC Cross-Border Banking will impress you
Sign in to online or mobile banking once to see all of your RBC accounts, including your U.S. bank account and credit card.
Move up to $25,000—instantly and for free1—between your RBC Canadian and U.S. bank accounts.
Use your U.S. bank account to get cash at over 50,000 no-fee ATMs across the U.S., including at Walgreens, CVS and Target.
Find A No-Fee U.S. ATMIf a U.S. credit card and bank account isn’t enough, enjoy perks and discounts from hotels, resorts and retailers across Canada and the U.S.
With one of our U.S. credit cards in your wallet, you’ll save money on your U.S. purchases.
There’s no other U.S. bank account for Canadians that lets you bank and borrow in all 50 states.
Apply for a U.S. credit card, loan or mortgage with us8 — we’ll use your credit history from back home!
Buying property south of the border?8
Get pre-approved to buy in all 50 states using your Canadian credit history — just one way we make buying in the U.S. simple and painless.
- Choose a 3- ,5-, 7- or 10-year term with a 30-year amortization25
- Reduce the upfront impact of foreign exchange costs with just a 20% down payment plus closing costs
- Enjoy the convenience of no pre-payment restrictions. Make penalty free, lump sum payments any time
Special offer: Save up to $4,500 USD in closing costs on a U.S. mortgage.42 Apply by October 31, 2024.
We’re with you each step of the way
See how we’re helping Canadians buy in the U.S.
We built RBC U.S. HomePlusTM Advantage exclusively for Canadians to provide full-service support through every step of the U.S. home buying process.
As a Canadian buying a home in the U.S., you have some unique needs and probably lots of questions. Take the guesswork out of the equation and let us be your guide.
Things our lawyers want you to knowHide Legal Disclaimers
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.
Premium U.S. bank account with unlimited transactions
Premium Checking
- Unlimited transactions
- Preferred foreign exchange rates
- Open an account using your Canadian address
Annual fee: $0 USD for the first year
Convenient, low-fee U.S. bank account
Direct Checking
- 10 debits per month; $1 per additional debit
- Use your Visa Debit card to shop or get cash at over 50,000 ATMs across the U.S.
- Open an account using your Canadian address
No annual fee3 U.S. credit card with rewards
Visa‡ Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual fee: $0 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
U.S. credit card with accelerated rewards and no foreign transaction fees19
Visa‡ Signature Black Plus
- No foreign transaction fees on any international purchases
- Earn 1.5 Avion points per $1 spent6
- Apply using your Canadian credit history
Annual fee: $75 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
No annual fee5 U.S. credit card6 with rewards
Visa‡ Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual fee: $0 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
U.S. credit card with accelerated rewards
Visa‡ Signature Black Plus
- No foreign transaction fees on any international purchases
- Earn 1.5 Avion points per $1 spent6
- Apply using your Canadian credit history
Annual fee: $75 USD
Additional card: $0 USD
Intro APR: 0% for 6 months
No annual fee5 U.S. credit card6 with rewards
Visa‡ Signature Black
- Make transactions in U.S. dollars and save on foreign transaction fees
- Earn 1 Avion point for every $1 spent6
- Apply using your Canadian credit history
Annual Fee: $0 USD
Additional Card: $0 USD
Intro APR: 0% for 6 months