Be 18 years or older and live in Canada or the U.S. Have a SIN or SSN Have a government ID Have your client card number (16-digit number on your card) Be 18 years or older and live in Canada or the U.S. Have a SIN or SSN Have a government ID Have your client card number (16-digit number on your card) Welcome to RBC! To take advantage of our unlimited, instant free transfers between your U.S. and Canadian accounts, you'll first need a Canadian Banking account. $0 CAD / first yr Please enter your email below and we’ll send you the offer to open your account in any branch. Be a Canadian resident Be at least 18 years old Have a government ID Trusted by over half a million Canadians who travel, work or live in the U.S. Enjoy cross-border banking with no annual fee Legal Disclaimer (opens in popup) 29 , Legal Disclaimer (opens in popup) 53 Your cross-border bundle makes managing finances across the border easy, rewarding & stress-free. Offer Expires October 31, 2026. Conditions apply. Apply Online Now U.S. banking built for Canadians, backed by 20+ years of cross-border experience U.S. banking built for Canadians backed by 20+ years of cross-border experience The only U.S.-based bank designed specifically for Canadians who live, travel, shop and work in the U.S. Unlimited & instant transfers between the U.S. and Canada Legal Disclaimer (opens in popup) 1 Enjoy free transfers up to $25,000 between your RBC Royal Bank and your RBC Bank U.S. accounts — 24/7 with no delay. No more money transfer fees, expensive wire transfers or bank drafts. Access to 50,000+ no-fee ATMs in all 50 states Legal Disclaimer (opens in popup) 2 Plus cash back at large retailers like Target, Legal Disclaimer (opens in popup) ‡ Costco, CVS and Walgreens. Pay U.S. bills + send and receive money in the U.S. Pay bills and transfer money through online banking. Add your U.S. cards to your PayPal Legal Disclaimer (opens in popup) ‡ , Legal Disclaimer (opens in popup) 39 account to send money to friends and family in the U.S. Apply online with your Canadian address You don’t need to be a U.S. resident or have a U.S. address. Apply for a U.S. bank account in minutes RBC U.S. Direct Checking $0 for the first year with a cross-border banking bundle 10 debits per month $1 per additional debit Legal Disclaimer (opens in popup) 11 Easy access to U.S. cash Access 50,000+ no fee ATMs in the U.S. No minimum balance $50 deposit required to open RBC U.S. Premium Checking $0 for the first year with a cross-border banking bundle Unlimited debit transactions Tap, click, and swipe without extra fees Preferred foreign exchange rate When transferring CAD <> USD online Get your first 40 checks on us Shipping & handling charges may apply No minimum balance $50 deposit required to open Direct Checking $0 for the first year with a cross-border banking bundle Premium Checking $0 for the first year with a cross-border banking bundle Direct Checking Premium Checking Direct Checking Premium Checking Unlimited transactions & preferred FX with a cross-border banking bundle with a cross-border banking bundle Preferred Money Market Savings Legal Disclaimer (opens in popup) 5 with a $1,000 monthly balance Best interest rate earned on USD 0.20% APY on balances up to $24,999 0.25% APY on balances of $25,000-$49,999 0.50% APY on balances over $50,000 No minimum balance $1,000 deposit required to open Secure, insured savings FDIC insured up to $250,000 Legal Disclaimer (opens in popup) 12 Certificate of Deposit (CD) Legal Disclaimer (opens in popup) 15 CDs are similar to GICs Guaranteed rate of return Fixed interest terms from 6 months through 5 years No minimum balance $1,000 deposit required to open Secure, insured savings FDIC insured up to $250,000 Preferred Money Market Savings Legal Disclaimer (opens in popup) 5 with a $1,000 monthly balance Certificate of Deposit (CD) Legal Disclaimer (opens in popup) 15 CDs are similar to GICs Answer 3 questions & we’ll show you a credit card & bank account best suit your needs. Meet Your Cross-Border Banking Bundle We’ve put together a U.S. banking bundle that suits your needs. Meet Your Cross-Border Banking Bundle We’ve put together a U.S. banking bundle that suits your needs . Direct Checking 10 debits per month $1 per additional debit Legal Disclaimer (opens in popup) 11 Easy access to U.S. cash Access 50,000+ no fee ATMs in the U.S. No minimum balance $50 deposit required to open Premium Checking Unlimited debit transactions Tap, click, and swipe without extra fees Preferred foreign exchange rate When transferring CAD <> USD online Get your first 40 checks on us Shipping & handling charges may apply No minimum balance $50 deposit required to open Visa ‡ Signature Black No foreign transaction fees On U.S. purchases Legal Disclaimer (opens in popup) 19 Avion Rewards Earn 1 Avion point for every $1 you spend Legal Disclaimer (opens in popup) 6 Redeem your points For 1% cash back Legal Disclaimer (opens in popup) 24 or transfer your points to Canada at a rate of 1:1 Legal Disclaimer (opens in popup) 7 Visa ‡ Signature Black Plus No foreign transaction fees Anywhere in the world Legal Disclaimer (opens in popup) 19 Avion Rewards Earn 1.5 Avion points for every $1 you spend Legal Disclaimer (opens in popup) 6 Redeem your points For travel, gift cards, merchandise or unlimited 1.25% cash back Legal Disclaimer (opens in popup) 24 Travel insurance Enjoy built-in travel insurance benefits Legal Disclaimer (opens in popup) 9

U.S. Credit Card Direct Checking 10 debits per month $1 per additional debit Legal Disclaimer (opens in popup) 11 Easy access to U.S. cash Access 50,000+ no fee ATMs in the U.S. No minimum balance $50 deposit required to open Premium Checking Unlimited debit transactions Tap, click, and swipe without extra fees Preferred foreign exchange rate When transferring CAD <> USD online Get your first 40 checks on us Shipping & handling charges may apply No minimum balance $50 deposit required to open Visa ‡ Signature Black No foreign transaction fees on U.S. purchases Legal Disclaimer (opens in popup) 19 Avion Rewards Earn 1 Avion point for every $1 you spend Legal Disclaimer (opens in popup) 6 Redeem your points For 1% cash back Legal Disclaimer (opens in popup) 24 or transfer your points to Canada at a rate of 1:1 Legal Disclaimer (opens in popup) 7 Visa ‡ Signature Black Plus No foreign transaction fees Anywhere in the world Legal Disclaimer (opens in popup) 19 Avion Rewards Earn 1.5 Avion points for every $1 you spend Legal Disclaimer (opens in popup) 6 Redeem your points For travel, gift cards, merchandise or unlimited 1.25% cash back Legal Disclaimer (opens in popup) 24 Travel insurance Enjoy built-in travel insurance benefits Legal Disclaimer (opens in popup) 9 Unlock convenience Easily move money cross-border on your mobile device, shop and get cash in the U.S. Freedom and flexibility with RBC Visa Debit Use your card to make purchases online or over the phone wherever Visa is accepted. Shop, get easy access to cash with Visa debit Access to 50,000+ no-fee ATMs across the U.S. Make purchases online or over the phone – wherever Visa is accepted Deposit U.S. currency and U.S. dollar checks at thousands of no-fee ATMs that accept deposits Chip and PIN offers enhanced fraud protection You’re protected by Visa’s Zero Liability Policy 10 — there's no personal liability in the event of fraudulent use Link your card to Visa Checkout and pay online or on the go from your mobile phone or tablet in one quick, secure step Avoid foreign transaction fees on U.S. purchases Deposit mobile checks Any time — no matter what side of the border you’re on. See How Pay U.S. bills on the go No need to send wire transfers or bank drafts from Canada. Pay through online banking or set up ACH payments. Your money, FDIC insured Deposits are insured by the FDIC up to $250,000. Get cash at 50,000+ no-fee ATMs in all 50 states! Search for a no-fee ATM near you: Cross-border offers & perks Legal Disclaimer 39 With RBC Bank, your benefits go beyond banking. Enjoy thousands of offers, discounts and deals across Canada and the U.S., all unlocked through cross-border banking. Travel and attraction discounts in the U.S. & Canada Legal Disclaimer 44 Get a discount of up to 25% on car and SUV rentals Legal Disclaimer 45 Get a discount of up to 35% on car and truck rentals Legal Disclaimer 46 , Legal Disclaimer 47 Save on cross-border shopping & shipping Legal Disclaimer 51 Support & resources How can we help you today? Top U.S. banking FAQs Yes! To open an RBC Bank U.S. account, you don’t need to be a resident of the U.S., a U.S. address or Social Security number. You simply need to be 18 years or older and live in Canada or the U.S. Signing up takes just a few minutes. All you need is your: Driver’s license, passport or government ID Sign up for your U.S. account now ! CAD<> USD FX calculator CAD<> USD FX calculator Calculate the current Canadian to U.S. dollar foreign exchange rate. FX transaction fee calculator FX transaction fee calculator See how much you can save when you pay no foreign transaction fees on U.S. transactions. Manage your account Access and link accounts Easy instant access to your accounts through online banking, the RBC Mobile App and via phone anytime, anywhere. Transfer money cross-border Move money back and forth between your U.S. and Canadian accounts easily, quickly and for free. Checks, wires, direct or cash. There are lots of ways you can make your deposit. Get cash in the U.S. No need to pack a stack of cash when you head to the U.S. Send and receive money person-to-person in the U.S. Add your U.S. cards to your PayPal ‡ Legal Disclaimer (opens in popup) , 39 Legal Disclaimer (opens in popup) account to send money to friends and family in the U.S. Paying bills or sending funds to friends and family in the U.S. is a little bit different than in Canada. Can’t find what you need? View all FAQs Two convenient options: Pay annually and save - $39.50 per year with eStatements or $59.50 per year with paper statements Pay monthly - $3.95 per month with eStatements or $5.95 per month with paper statements Get this checking account for $0 for your first year when you sign up for a U.S checking account and apply for a U.S. credit card Two convenient options: Pay annually and save - $99.50 per year with eStatements or $119.50 per year with paper statements Pay monthly - $9.95 per month with eStatements or $11.95 per month with paper statements Get this checking account for $0 for your first year when you sign up for a U.S checking account and apply for a U.S. credit card $0 monthly maintenance fee with a $1,000 minimum balance or $5 per month Get this checking account for $0 for your first year when you sign up for a U.S checking account and apply for a U.S. credit card Get this checking account for $0 for your first year when you sign up for a U.S checking account and apply for a U.S. credit card More Direct Checking details More Premium Checking details More Visa ‡ Legal Disclaimer (opens in popup) Signature Black details Trip cancellation or interruption insurance up to $5,000 Travel accident insurance up to $500,000 Lost luggage reimbursement up to $3,000 Auto rental collision damage waiver Cellphone insurance up to $200 ($50 deductible) Purchase security up to $500 per occurrence More Visa ‡ Legal Disclaimer (opens in popup) Signature Black Plus details Trip cancellation or interruption insurance up to $5,000 Travel accident insurance up to $500,000 Lost luggage reimbursement up to $3,000 Auto rental collision damage waiver Cellphone insurance up to $200 ($50 deductible) Purchase security up to $500 per occurrence More Preferred Money Market Savings details