Head to any branch to get a no monthly fee Canadian bank account, a no annual fee U.S. bank account 1 and an eligible U.S. rewards credit card 2 for $0 for the first year.
Offer ends October 31, 2024
View Details View Details
Annual fee: $0 for the first year 1
$0 introductory monthly maintenance fee for 12 months with an eligible credit card. After the introductory period, an annual fee of $39.50 USD with eStatements or $59.50 USD with paper statements will apply. Transaction limits apply.
View Details View Details
Annual fee: $0 2
Additional card: $0
Purchase rate: Low introductory APR
and will apply. This APR will vary with the market based on the prime rate 10 . --> 0% introductory APR for 6 months. After the introductory period, the Annual Percentage Rate which is prime rate plus a margin between 9.99% and 16.74% based on your credit worthiness will apply. This APR will vary with the market based on the prime rate. 10
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.
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.
View Details View Details
Monthly fee: $0 for the first year 1
$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.
Convenient U.S. bank account
View Details View Details
Annual fee: $0 for the first year 1
$0 introductory monthly maintenance fee for 12 months with an eligible credit card. After the introductory period, an annual fee of $39.50 USD with eStatements or $59.50 USD with paper statements will apply. Transaction limits apply.
No annual fee 2 U.S. credit card with rewards
View Details View Details
Annual fee: $0 2
Additional card: $0
Purchase rate: Low introductory APR
0% introductory APR for 6 months. After the introductory period, the Annual Percentage Rate which is prime rate plus a margin between 9.99% and 16.74% based on your credit worthiness will apply. This APR will vary with the market based on the prime rate. 10
Daily Canadian bank account
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.
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.
View Details View Details
Monthly fee: $0 for the first year 1
$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.
View Legal Disclaimers Hide Legal Disclaimers
Equal Housing Lender. Member FDIC. All other trademarks are the property of their respective owners.RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank — 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com
Offer period is January 1, 2024 through October 31, 2024 (“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)
All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black – 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus – Foreign transaction fee does not apply, Visa Platinum – 3.0% of the U.S. dollar amount of the transaction. Late Payment Fee – up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 8.50% as of July 27, 2023 .
A 2.5-3.5% foreign transaction fee is charged on U.S. purchases by most Canadian credit and debit cards but is not charged on U.S. purchases with the RBC Bank Visa Signature Black credit card- a savings of over $40 on $1600 in U.S. spending. An RBC Bank Direct Checking account (with eStatements) has an annual maintenance fee of $39.50 USD after the first year.
Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank account transaction history until the following day but will reflect the date of transfer.
There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees for details.
Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.
Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). For details visit www.fdic.gov.
Refer to the Avion Rewards Program Rules Avion Rewards Program Rules provided with your card for details. Avion points are not earned on balance transfers and cash advances.
Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.
Prime Rate: As published in the Wall Street Journal; current rate is 8.50% as of July 27, 2023 .Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
All loans and lines of credit are subject to approval.
Equal Housing Lender. Member FDIC. ® / ™ Trademarks of Royal Bank of Canada. Used under license.
RBC Bank means RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada.
© RBC Bank (Georgia), N.A.
