U.S. Banking for Canadians
Enjoy a cost-effective and convenient cross-border banking service between Canada and the U.S.
As a Canadian who stays in the United States for extended periods of time, you have a unique set of banking needs. The RBC Access USA account or RBC Access USA Preferred account can meet those needs by giving you an affordable and convenient way to access and manage your money on both sides of the border.
The RBC Access USA checking account is ideal if you're a Canadian resident who lives in the U.S. part-time (such as a retiree or student) or you travel to the U.S. frequently for business or pleasure.
Benefits of the account include:
Offering Two Accounts to Meet Your Needs
RBC Access USA is available in two comprehensive, convenient and hassle-free packages—each with its own advantages:
Find answers to the most common questions asked about the RBC Access USA account. Don't see your question? Please call us at 1-800-769-2553.
Yes. Simply visit your nearest RBC Bank branch in the U.S. or any RBC Royal Bank branch in Canada and speak with a banking specialist. If you have questions, or would like to receive additional information about RBC Access USA, please call 1-800-769-2553 to speak with a representative.
When you visit a branch to open your account, please bring the following documentation for yourself and any secondary applicants (if applicable):
The RBC Access USA account and the RBC Access USA Preferred account are ideal for Canadian residents who travel to the U.S. frequently or live in the U.S. part-time. Canadian students, retirees, business travelers and other Canadians in the U.S. can benefit from using this unique service.
Yes, you can. When you visit your nearest RBC Bank branch in the U.S. or an RBC Royal Bank branch in Canada, we can set you up with an RBC Access USA account and an RBC Royal Bank account in Canada. RBC Royal Bank offers a wide range of savings and banking accounts to meet your needs.
We have over 430 banking locations throughout the southeast United States, including North Carolina, South Carolina, Virginia, Georgia, Florida and Alabama.
Using My ViewTM account aggregation, One Sign In gives you the ability to view both Online Banking (RBC Royal Bank) and Online Banking (RBC Bank) accounts at the same time, in one online session. You only have to sign in once to view all your accounts with both institutions.
It is convenient to have access to both RBC Bank and RBC Royal Bank accounts at the same time. You don't have to remember two passwords every time you want to log in. It is also fast and easy to transfer funds between eligible accounts, and transfers can be made in either USD or CAD, at competitive exchange rates. All at no additional cost!
You can choose between either self-service via RBC Royal Bank Online Banking or RBC Bank Online Banking or you can call 1-800-769-2553 and have a Royal Direct representative assist you.
For online funds transfers, the limit is up to and including $25,000 (CAD or USD) per transaction. For amounts in excess of $25,000, you should call Royal Direct at 1-800-769-2553 and a representative will assist you.
Clients often require assistance in making funds transfers greater than $25,000. Our Royal Direct agents are specially trained to ensure that clients access the appropriate product at the best rates available.
At this time, there is no additional fee for the transfer. Existing account fees apply. Please refer to the Service Pricing Fee Schedule.
The movement of funds is reflected immediately in the available balances of all accounts affected. Transactions made on RBC Bank accounts before 8:00 p.m. EST, except for mortgage accounts, will be processed the same business day and are available for withdrawal or further transfer the next business day after the date of processing. Transfers made after 8:00 p.m. EST will be processed the following business day and will be available for withdrawal or further transfer the first business day after the date of processing. Funds transferred with respect to a credit card may not be processed until the second business day after the transfer and will be available for withdrawal or further transfer the first business day after the date of processing.
No. There is no option to reverse a cross-border transfer due to the differences in exchange rates. Another transfer is required should you wish to offset the previous one. Please note that there will likely be an exchange rate differential.
The conversion rate is stated on the "Confirm Transaction" page in Online Banking. This page gives you the opportunity to review the transaction before it is processed.
Open an Account
To open an RBC Access USA account, visit any RBC Bank branch in the U.S. (North Carolina, South Carolina, Virginia, Georgia, Florida or Alabama) or any RBC Royal Bank branch in Canada.
Call 1-800-769-2553 to learn more about the account or other U.S. services for Canadians.
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