Trusted by over half a million Canadians who travel, work or live in the U.S.
Cross-Border Banking for Canadians. Simplified.
Wherever you’re headed, we’ve got you covered with U.S. checking and savings accounts, credit cards, mortgages, and home equity loans.4 (opens in a popup window),8 (opens in a popup window) Apply with your Canadian credit history and open the doors to borderless banking.
- Credit cards with no foreign transaction fees on USD purchases19 (opens in a popup window)
- Bank accounts with unlimited instant and free cross-border transfers1 (opens in a popup window)
- Mortgages with no bank fees, saving you up to $4,500 USD42 (opens in a popup window)
RBC CROSS-BORDER BANKING
What are the benefits of cross-border banking?
Unlimited free cross-border transfers
1 Avion point for every $1 spent on your credit card6 (opens in a popup window)
Access to over 50,000+ ATMs in all 50 states2 (opens in a popup window)
No foreign transaction fees on U.S. purchases
Unlimited free cross-border transfers
Access to over 50,000+ ATMs in all 50 states2 (opens in a popup window)
1 Avion point for every $1 spent on your credit card6 (opens in a popup window)
No foreign transaction fees on U.S. purchases
Simplify, enhance, and streamline your U.S. travel with a range of exclusive benefits. Your RBC Cross-Border Banking Bundle includes a Direct Checking U.S. bank account and a Visa‡ (opens in a popup window) Signature Black credit card, designed to make managing your finances easy, rewarding, and stress-free.
Two great no annual fee bundle offers to choose from20 (opens in a popup window),29 (opens in a popup window),53 (opens in a popup window)
Enjoy monthly fee rebates for up to 3 years
with a minimum daily balance of $1,500 when you bundle.
$0
Fee rebate
up to 3 years
Unlimited, instant currency exchanges
Transfer funds between your RBC Canadian & U.S. accounts 24/7 – for free
50,000+ ATMs nationwide
Access your money in 50 states
Pay U.S. bills & deposit checks
Manage your U.S. banking no matter where you are
★ Save for up to 3 years with no commitment
Visa Signature
Black
$0
per year
Save 2.5% on U.S. purchases36 (opens in a popup window)
No foreign transaction fees save you on every U.S. purchase – no surprises
Earn Avion points
Earn 1 Avion point for every $1 spent. Transfer 1:1 back to Canada or enjoy 1% unlimited cash back24 (opens in a popup window)
Get insurance up to $500,000
With trip coverage up to $5,000 and purchase security9 (opens in a popup window)
Use your Canadian credit history and address to apply.
Get no annual fee for 1 year with no minimum daily balance when you bundle.
$0
No annual fee
1 year
Unlimited, instant currency exchanges
Transfer funds between your RBC Canadian & U.S. accounts 24/7 – for free
50,000+ ATMs nationwide
Access your money in all 50 states
Pay U.S. bills & deposit checks
Manage your U.S. banking no matter where you are
★ Save for 1 year with no commitment
Visa Signature
Black
$0
per year
Save 2.5% on U.S. purchases36 (opens in a popup window)
No foreign transaction fees save you on every U.S. purchase – no surprises
Earn Avion points
Earn 1 Avion point for every $1 spent. Transfer 1:1 back to Canada or enjoy 1% unlimited cash back24 (opens in a popup window)
Get insurance up to $500,000
With trip coverage up to $5,000 and purchase security9 (opens in a popup window)
Use your Canadian credit history and address to apply.
Compare offers side-by-side
Compare features, savings and benefits side-by-side to pick the right offer for your financial goals – choose the one that fits your lifestyle.
3 years |
1 year |
|
|---|---|---|
| No annual fee banking | $0 with monthly fee rebates for up to 3 years |
$0 waiver for 1 year |
| Save the typical 2.5% FX transaction fees on USD purchases |  |
|
| No annual fee travel rewards credit card | |
|
| Daily minimum balance | $1,500 USD | none |
| Apply by March 31, 2026 | Get 3 Year Offer | Get 1 Year Offer |
| 3 years with minimum balance53 (opens in a popup window) |
1 year no minimum balance29 (opens in a popup window) |
|---|---|
| No annual fee banking | |
| $0 with monthly fee rebates for up to 3 years |
$0 waiver for 1 year |
| Save the typical 2.5% FX transaction fees on USD purchases |
|
|
|
| No annual fee travel rewards credit card | |
|
|
| Daily minimum balance | |
| $1,500 USD | none |
| Get 3 Year Offer | Get 1 Year Offer |
| Apply by March 31, 2026 | |
What you’ll need to apply online.
It’s quick and easy and takes less than 5 minutes. You can start your no obligation application online right now.
All you’ll need to open an RBC Bank U.S. account online:
Be 18 years or older and live in Canada or the U.S.
You don’t have to have a U.S. address – use your Canadian address to apply.
Have a SIN or SSN
Unlike other banks, you don’t need a U.S. Social Security Number to apply.
Have a government ID
Use your driver’s license, passport number or other official government ID.
If you already bank at RBC, please have your client card number
(16-digit number on your card).
RBC CROSS-BORDER HOME FINANCING
Can Canadians get
U.S. mortgages?
Yes, most Canadians can get a U.S. mortgage, but it’s important to choose the right bank for your needs. At RBC Bank, we:
- Use your Canadian credit history to apply for a U.S. mortgage
- Provide ongoing guidance throughout the process with a dedicated mortgage expert
- Cater exclusively to Canadians buying U.S. property, so we understand your needs
Free U.S. homebuying guide & webinars for Canadians
Get answers to your questions and learn the ins and outs of the U.S. homebuying process.
Hear from our clients
For over 20 years, RBC Bank has helped over 500,000 Canadians bank or buy property in the U.S.
Great program! Very convenient for Canadians moving to the U.S.
Excellent program – providing the perfect referral.
I liked that I would be working with a vetted real estate agent and trusted RBC to pick a good agent. Made my search for an agent a breeze. Plus, being rewarded for using theirs. No-brainer deal :)
More Direct Checking details
| Transfers between the U.S. and Canada | Unlimited, instant and free – up to $25,000 in a single transfer | |
|---|---|---|
| Pay U.S. bills | Online, anytime via U.S. Bill Pay or U.S. dollar checks | |
| P2P transfers | Transfer money between U.S. accounts via PayPal‡ (opens in a popup window) | |
| Minimum balance | $0; $50 deposit required to open | |
| Monthly debits | 10 debits per month; $1 per debit after11 (opens in a popup window) | |
| Checks | Order through online banking | |
| FDIC insurance | All deposits insured up to $250,000 | |
| Nationwide coverage | Yes – bank in all 50 states | |
| Make USD purchases | Online or over the phone wherever Visa is accepted | |
| Foreign transaction fees | Not on any USD purchase | |
| Visa Checkout | Link your card and pay online or on the go from your mobile phone or tablet in one quick, secure step | |
| Visa’s Zero Liability Policy10 (opens in a popup window) | You’re protected with no personal liability in the event of fraudulent use |
More Visa‡ (opens in a popup window) Signature Black details
| Introductory APR | 0% for 6 months | |
|---|---|---|
| Tap and go | Contactless payment at participating merchants – just tap your card or add it to your Apple Wallet | |
| Build U.S. credit history | Apply for a U.S. credit card with your Canadian credit history – then, start building your U.S. credit | |
| Earn Avion points | Earn 1 Avion point for every $1 spent on your card,6 (opens in a popup window) then redeem your Avion points for 1% cash back24 (opens in a popup window) or transfer the points to your Canadian Avion account7 (opens in a popup window) | |
| Insurance benefits |
Enjoy built-in insurance benefits that protect you and your money:
|
|
| Roadside assistance | Included | |
| Emergency card replacement and disbursement | Included | |
| Emergency cash and card replacement | Included | |
| Easy to use | Yes, just tap your RBC Bank credit card anywhere Visa is accepted — in-store, online and over the phone | |
| Easy to pay off | Yes, you can pay your credit card bill by selecting the “Pay Now” button in online banking | |
| Secure banking | You’re protected by several layers of fraud prevention technology via the chip technology embedded into your RBC Bank credit card. If something goes wrong, you’re protected by Visa’s Zero Liability10 (opens in a popup window) |