Skip to Main Content

Customer Service > Tools & Resources >

Online Banking FAQs

 

What is Online Banking from RBC Bank?

Online Banking is an easy and convenient way to access your bank account information through secure Internet access, 24 hours a day, seven days a week. With Online Banking you can: view current account information (Checking, Savings, Money Market, IRA, CD, CreditLine, EquityLine, Loan, Mortgage and Credit Card), view transactions and account history, download transactions, transfer funds between accounts and pay bills, send and receive messages, order copies of cleared checks and statements and order checks, all from the convenience of any pc with Internet Access.

How do Personal Clients get started?

If you're an existing RBC Bank Personal Banking client, you can sign up right now! On the home page, select Online Banking from the Online Services drop down list and then click Go. You will need your Social Security Number, RBC Bank Checking account statement, RBC Bank Check Card or Credit Card, and some general information about your RBC Bank accounts. The whole process only takes about 10 minutes. Once you successfully complete the enrollment process, you will have immediate access to view your account balances and information.

If you are not currently an RBC Bank Personal Banking client, please visit the Personal Banking section of our web site. You will find a complete description of the features and benefits of all our personal banking products and services. If you are ready to open an account, complete the online application and you'll be banking with us in no time.

We suggest you view the Online Banking & Bill Pay Demo so you can see all the capabilities available to you through Online Banking.

How do Business Clients get started?

If you're a new or existing RBC Bank Business Banking client, you can enroll for Business Online Banking by calling an RBC Bank business banking specialist or visiting an RBC Bank banking center. For added security, an authorized signer of the business must initiate the enrollment request. The banking center will guide you through the enrollment process and ensure you are ready to begin using Business Online Banking.

We suggest you view the Online Banking & Bill Pay Demo so you can see all the capabilities available to you through Online Banking.

How much does Online Banking cost?

Online Banking is a FREE service to all clients. There is no charge for using the service to access your account information and process transfers.

How much does Online Bill Pay cost?

Online Banking also offers the option of paying bills online. Pay bills to almost anyone, anywhere and anytime. Online bill pay is secure, convenient and FREE.

Can I access Online Banking from any computer?

Yes, as long as the computer has access to the Internet and a compatible browser. Compatible browsers are those versions of Internet Explorer and Communicator currently available for download from Microsoft and Netscape respectively. As new versions of these browsers are introduced, you could be prompted to download the upgrade.

Does Online Banking work with personal financial management software?

Yes, you can use personal financial management software such as Quicken®, QuickBooks®, Microsoft® Money and Microsoft® Money Deluxe & Business to download your Online Banking transactions. Intuit and Microsoft both have outstanding support available on their Web sites.

  • Intuit (Quicken®) – you may get answers to your product-related technical support questions at www.intuit.com, or call Intuit Technical Support at (800) 811-8766 between 5:00am and 5:00pm PT Monday through Friday for Intuit product support.
  • Intuit (QuickBooks®) - you may get answers to your product-related technical support questions at www.intuit.com or call Intuit Technical Support at (888) 320-7276.
  • Microsoft (Microsoft® Money and Microsoft® Money Deluxe & Business) - you may get answers to your product-related technical support questions at www.support.microsoft.com, or call Microsoft Technical Support at (800) 936-3500.

When can I enroll in Online Banking if I'm a new RBC Bank client?

As a new personal client, you can enroll in RBC Bank Online Banking the day after you open your new checking account. Your RBC Bank Banking Center can provide you a self-enrollment tip sheet to help you enroll online in just a few minutes.

As a new business client, your RBC Bank banking center will assist you in enrolling in RBC Bank Business Online Banking.

What is an Activation Code?

To help ensure the security of your Online Banking accounts, features such as transferring funds, paying bills and ordering checks are unavailable until you enter a unique Activation code. You will receive an Activation Code in the mail approximately 5-7 days after you enroll. When you receive it, simply enter the code on the Activation Code page that appears immediately after you log in. This page will no longer appear after you enter the Activation Code. The Activation Code is only valid for 30 days from your enrollment date, so be sure to enter the code as soon you receive it.

What functions are available only to clients who have entered their Activation Code?

Pay bills, Transfer funds, Order checks, View/Change Mailing Address and Personal Information, Personal Verification Questions and Forgot Login Info?

Security

Is Online Banking from RBC Bank safe and secure?

RBC Bank brings together a combination of industry-approved security technologies to protect your data and keep your transactions secure. To help ensure the security of your Online Banking account, some features, such as transferring funds and paying bills, are unavailable until you enter a unique Activation Code. When you receive the Activation Code in the mail, simply enter it on the Activation Code page, which appears immediately after you log in. This page will no longer appear after you enter the Activation Code.

What is the Enhanced Security Option?

When you select the Enhanced Security box during login, a secondary browser window will be launched for your RBC Bank Online Banking session. When you sign out of your Online Banking session, this window will automatically close, erasing all the pages that you have visited during your Web banking session from the computer's memory. Enhanced Security is ideal if you are accessing RBC Bank Online Banking from a terminal that is in a public place or shared with other individuals. All Online Banking functions remain the same.

How does the security feature Sign In Protection work?

Sign In Protection adds an extra level of verification to the sign in process. Any attempts to access your Online Banking accounts from a computer we don't recognize will be prevented unless the correct answer to one of your personal verification questions is given. You do not have to answer a personal verification question every time you sign in to Online Banking if you elect for us to place a security recognition cookie on your computer so we can recognize you.

How does the Remember My Username feature work?

Remember My Username is an optional feature and is intended for use at home, work, or another private computer. The feature should not be set up in an Internet café, library, or on any computer you share with people you don't know or trust. If you choose this feature, RBC Bank will save your Username by attempting to place a Username recognition cookie on your computer. Your Username will be store safely and securely in the cookie. RBC Bank allows you to save up to 20 usernames on a computer. There is no limit to the number of computers on which you can select this feature. If more than one Username is on a computer, a drop down list will display. All you need to do is select your Username. You can easily remove your saved RBC Bank Username by clicking the "Remove" button beside the Username menu on the Sign In page.

How do I select a secure password?

The importance of picking a good, secure password cannot be emphasized enough. Your computer password is your personal key to a computer system. The top reason people gain unauthorized access to a password protected system is they guessed someone's password. The objective when creating a strong password is to make it as difficult as possible for anyone to make an educated guess about what you have selected. However, it should be developed in a manner that makes it simple to remember without writing it on paper.

Words to avoid when creating passwords:

  • Passwords should not be based on well-known or easily accessible personal information. This includes birth dates, telephone numbers, license plate numbers, Social Security numbers, street addresses, or the brand of automobile you drive, etc.
  • Do not use your (or any family member's) name, nickname, or initials in any form (forwards or backwards spelling).
  • Do not use your User ID in any form.
  • Passwords should not be based on publicly known fictional characters from books, films, etc
  • Do not use all the same character (i.e., 88888888) or consecutive keys on a keyboard (i.e., ZXCVBN).
  • Do not use words that would appear in a dictionary (English or other), as they can be easily compromised by password cracking programs that use electronic dictionaries.

Password Tips:

  • Use a word with digits and symbols embedded in it.
          Examples:
          HOR32SE#, TO42DAY, STAP87LER%
  • Make up an acronym based on a nursery rhyme, a favorite song or movie, or a sentence.
          Examples:
          MHALL93# - Mary Had A Little Lamb
          OTGDY4*8 - Only The Good Die Young (Billy Joel)
  • Make up nonsense words that mean something to you by combining the first syllables of two words. Avoid using standard abbreviations like "jan, feb, mar, etc." as part of your password.
          Example:
          BOTWAT7& - bottled water
          FILCAB9( - file cabinet
  • Drop vowels or drop everything but the first 6 letters of a long word or two words.
          Examples:
          CLNDSK1# - clean desk
          ENTHUS5%- enthusiasm

What can I do?

Can I reorder checks?

Yes, after you have entered your Activation Code, you can order checks using the Self Service menu.

Can I order a check or statement copy?

Yes, check and statement copies can be requested by selecting 'Order Copies of Cleared Checks' and 'Order Copies of Statements' from the Self Service menu. There are fees associated with RBC Bank accounts. Please refer to your RBC Bank Schedule of Fees for applicable charges.

Can I request a stop payment on a check?

Yes, you may submit a stop payment request by selecting "Send instructions & questions" under the Client Service tab. Please provide the check number, dollar amount of the check, date written and the reason you want to place the stop payment. Please keep in mind if your checks are lost or stolen, RBC Bank recommends that you close your account and open a new one. Also, if the placement of the stop payment is time critical, please contact RBC Bank Web Support at 1-800-236-8872 7:00am-11:00pm EST Monday through Friday and 7:00am-10:00pm EST on Saturday and Sunday. Please refer to your RBC Bank Schedule of Fees for applicable charges.

Will my overdraft protection work with transfers and bill payments initiated through Online Banking?

Absolutely, your overdraft protection will continue to function as normal.

Which of my accounts can I access through Online Banking?

You may access any of the following Banking accounts: Checking, Savings, Money Market, Lines of Credit, Personal Loans, Mortgages and Credit Cards and view CDs and IRAs.

How long will I be able to see my transaction history online?

The amount of history displayed in Online Banking will vary based on the type of account. For Checking, Money Market, CreditLine, EquityLine, and Credit Card accounts, you will see up to 60 days of transaction history. For Savings accounts you could see up to 120 days of history and for loans up to the last 120 transactions. For all other account types, you will see history since the opening date of the account.

View Item Service

What is the View Item Service?

With the View Item Service, you can view and print digital images of certain paper-based transactions through the convenience and security of Online Banking. You can also investigate the item further by sending us a message through our secure message center.

With the View Item Service, you can view and print digital images of certain paper-based transactions through the convenience and security of Online Banking. You can also investigate the item further by sending us a message through our secure message center.

User Settings and Customization

What are nicknames?

You can personalize your accounts by creating unique nicknames to make them easier to identify and work with. This is especially useful if you have more than one account of a particular type, such as multiple checking accounts or credit cards. Nicknames can be established under the Update Profile tab.

How can I add accounts to my Online Banking?

Any time an account is added to your RBC Bank banking profile, the account will automatically be added to your Online Banking the next business day.

How can I change my password and/or username?

You can change your password/username by signing in to Online Banking and clicking on "Change Login Info". Enter your new login information. If your Activation Code has been entered, it is recommended that you review and update your Personal Verifications Questions, which are located under Update Profile. Notification of your change will be sent to your e-mail address on file.

We recommend you change your password periodically to protect your security.

Contacting RBC Bank

What is the Online Banking Message Center?

RBC SSL includes a built-in e-mail feature enable to contact RBC Bank Web Support. The messages you send receive in Online Banking are protected by the same encryption other security measures that protect your banking and bill payment information.

What if I forget my password?

If you have entered your Activation Code, just click on "Forgot Login Info?" on the Sign In to Online Banking screen. You will need to answer some basic information about your banking and your Personal Verification Questions. During this process, your current password will be invalid. After all PVQs are answered correctly for positive identification, you will be asked to select a new password. It is recommended that you update your PVQs after you have changed your login information. Notification of your password change will be sent to your e-mail address on file.

If you have trouble during this process, please contact RBC Bank Web Support at 1-800-236-8872 7:00am-11:00pm EST Monday through Friday and 7:00am-10:00pm EST on Saturday and Sunday.

What happens if I forget my username?

Please contact RBC Bank Web Support at 1-800-236-8872 7:00am-11:00pm EST Monday through Friday and 7:00am-10:00pm EST on Saturday and Sunday. Your username will be reset after your identity is verified. A new Activation Code will also be generated. Once you receive the code and enter it, you will have full access to all the features of Online Banking again.