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U.S. Banking for Canadians

 

If you are a resident of Canada who visits or travels to the United States regularly, you have a very specific and unique set of banking needs. RBC Bank offers convenient and accessible banking solutions to give you financial peace of mind - on both sides of the border.

RBC Access USA Checking Account Packages

Choose from two comprehensive packages designed to help you take full advantage of RBC banking services while you are in the U.S.

Access USA®

  • Avoid Monthly fees with $700 minimum balance (otherwise $3.95 US)
  • Includes free Online Banking and Bill Pay
  • Free debit card
  • No-charge check writing
  • No RBC Bank fees for ATMs transactions; rebates on ATM fees charged by other banks (Up to two per month upon client request) 1

Access USA Preferred

  • All the benefits of Access USA, PLUS:
  • Interest-bearing checking account
  • No monthly fee with one of the following (otherwise $29.95 US per month):
    • $5,000 minimum checking balance, or
    • $10,000 combined deposits, or
    • $20,000 combined total deposits plus the approved line amount of a CreditLine or EquityLine
  • No-fee U.S. Dollar Visa Platinum card with RBC Rewards
  • Preferred rates on currency exchange and travel insurance by RBC Insurance
  • No-fee travelers checks
  • Free safe deposit box3

Online Banking & Bill Pay

Access USA includes free Online Banking & Bill Pay with single-sign-in access to your RBC Royal Bank® (Canada) and RBC Bank (U.S.) accounts. In addition to everyday Online Banking & Bill Pay benefits, Canadian customers may:

  • Sign in once to view U.S. and Canadian RBC accounts at the same time
  • Transfer money between accounts at RBC Royal Bank and RBC Bank in the U.S.
  • Pay U.S. or Canadian bills with free online bill pay

Home Mortgages

When it's time to buy or refinance a home in the U.S., RBC Access USA clients can obtain RBC Bank mortgages and other lending services tailored for Canadians. RBC Bank can help you leverage your Canadian credit history to make it easier to qualify for U.S. loans and establish a U.S. credit history.2

Find a mortgage specialist to learn more.

Sign Up Now

Visit your RBC Royal Bank location or call 1-800-ROYAL 53 (1-800-769-2553) to sign up for RBC Access USA.

1 Some restrictions apply.

2 Mortgages provided through RBC Bank. Credit on approval. Terms subject to change without notice. Not a commitment to lend. Call for details. RBC Bank is an Equal Housing Lender.

3 Subject to availability of small size boxes; may be applied as discount for larger box.

Please consult your tax advisor regarding any potential tax implications in connection with accoounts or transactions conducted in the U.S. by Canadian residents.