Cross-Border Essentials
No annual fee banking for one year29Legal Disclaimer
Choose the cross-border banking bundle that suits your lifestyle. Pair a Premium Checking or Direct Checking account with our no annual fee VisaLegal Disclaimer (opens in popup)‡ Signature Black credit cardLegal Disclaimer (opens in popup)20 and enjoy your first year without annual fees!
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- U.S. Checking
- U.S. Savings
- Cross-Border Bundles
- Manage Your Account(nav)
- Sign Up Now
U.S. Bank Accounts for Canadians
U.S. Checking
U.S. Savings
Cross-Border Bundles
Manage Your Account(header)
Sign Up Now
Key cross-border banking benefits for Canadians
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
Move money cross border — 24/7
Start Moving Money
Pay U.S. bills + send and receive money in the U.S.
Pay bills, transfer and receive money with your U.S. bank account and routing number through online banking. If you have a U.S. cell number, you can use 3rd party apps to send and receive money from friends, family or businesses.
Access to 50,000+ no-fee ATMs in all 50 states
Plus cash back at large retailers like Target,Legal Disclaimer (opens in popup)‡ Costco, CVS and Walgreens
Apply online with your Canadian address
You don’t need to be a U.S. resident or have a U.S. address
Why choose a U.S. account?
How a U.S.-based account compares to a Canadian U.S. dollar account
Find the right U.S. bank account
Instantly move and exchange money between Canada and the U.S., deposit checks, pay bills and avoid foreign transaction fees. It’s freedom and flexibility you just don’t find with a Canadian U.S. dollar account.
- Checking
- Savings
RBC U.S. Direct Checking
MOST POPULAR
Annual fee:
$39.50
Two convenient options:
- Pay annually and save - $39.50 per year with eStatements or $59.90 per year with paper statements
- Pay monthly - $3.95 per month with eStatements or $5.95 per month with paper statements
(or $0 for 1 year with a cross-border banking bundle)
Open Bank AccountRBC U.S. Direct Checking Open Bank Account Link
- 10 debits per month
$1 per additional debit11Legal Disclaimer - Easy access to U.S. cash
Access 50,000+ no fee ATMs in the U.S. - No minimum balance
$50 deposit required to open
More DetailsRBC U.S. Direct Checking More Details Link
RBC U.S. Premium Checking
UNLIMITED TRANSACTIONS & PREFERRED FX
Annual fee:
$99.50
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
(or $0 for 1 year with a cross-border banking bundle)
Open Bank AccountRBC U.S. Premium Checking Open Bank Account
- Tap, click and swipe without extra fees
Unlimited debit transactions in the U.S. - 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
More DetailsRBC U.S. Premium Checking More Details Link
Preferred Money Market Savings5Legal Disclaimer
Earn up to 0.5% annual percentage yield (APY)17Legal Disclaimer
Monthly fee:
$0
with a $1,000 monthly balance
Open Savings Account
- Earn the best interest rate on U.S. dollars
0.20% APY with balances from $0 to $24,999
0.25% APY with balances from $25,000 to $49,999
0.50% APY with balances over $50,000 - No minimum balance
$1,000 deposit required to open - Secure, insured savings
FDIC insured up to $250,00012Legal Disclaimer
More DetailsPreferred Money Market Savings More Details Link
Certificate of Deposit (CDs)15Legal Disclaimer
Earn up to 5.00% annual percentage yield (APY)
CDs are similar to GICs
Secure investment over a set term
Call to open: 1-800-769-2553
- Guaranteed rate of return
Fixed interest terms from 6 months through 5 years - Secure, insured savings
FDIC insured up to $250,000 - $1,000 deposit required to open
View Interest Rates
Cross-border banking bundles tailored to your needs
Answer a few simple questions on our bundle builder to build your very own cross-border banking bundle. We’ll suggest the best bank account and credit card based on your needs.
Build My Bundle
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.
More RBC Visa Debit features
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:
Unlock cross-border offers & perks
Enjoy access to discounts and benefits in the U.S. and Canada.
- 300,000+ travel offers in 10,000+ U.S. cities through Abenity perks.
- Save on travel including hotels, resorts, restaurants and car rentals.
- Enjoy special access to attractions and experiences nationwide
Get up to a 25% discount on car and truck rentals
Save on your next rental car in the U.S. with discounted rates.
Get up to a 25% discount on cars and SUVs
Save on your next rental car in the U.S. with discounted rates.
Cross-border shopping & shipping
Shop U.S. retailers online and enjoy reduced rate shipping home to Canada.
Discounted tele-health consultations
Instantly connect with a licensed doctor — any time, 24/7 in Canada or the U.S.
- 300,000+ travel offers in 10,000+ U.S. cities through Abenity perks
- Save on travel including hotels, resorts, restaurants and car rentals
- Enjoy special access to attractions and experiences nationwide
Support & resources
How can we help you today?
Top U.S. banking FAQs
Do I need a Social Security Number to open an RBC Bank U.S. account?
Do I need to have a U.S. address to open an RBC Bank account?
As a Canadian - can I even open a U.S. account?
Yes! To open an RBC Bank U.S. account, you don’t need to be a resident of the U.S., aU.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:
- SIN
- Driver’s license, passport or government ID
Sign up for your U.S. account now!
Do I have to file taxes in the U.S. if I transfer more than $10,000 from Canada?
View FAQs
CAD <> USD FX calculator
Calculate the current Canadian to U.S. dollar foreign exchange rate.
Current Foreign Exchange Rate
FX transaction fee calculator
See how much you can save when you pay no foreign transaction fees on U.S. transactions.
Foreign Transaction Fee Calculator
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.
Link Your Accounts
Get cash in the U.S.
No need to pack a stack of cash when you head to the U.S.
Get Cash In The U.S.
Pay U.S. bills
Paying bills or sending funds to friends and family in the U.S. is a little bit different than in Canada.
Pay U.S. Bills
Transfer money cross-border
Move money back and forth between your U.S. and Canadian accounts easily, quickly and for free.
Transfer Money Cross-Border
Make a deposit
Checks, wires, direct or cash. There are lots of ways you can make your deposit.
Deposit Money In The U.S.
Send and receive money person-to-person in the U.S.
With no Interac e-Transfer in the U.S. you can use 3rd party apps with a U.S. cell number to send money.
Send Money Person-To-Person
Can’t find what you need? View all FAQs
Legal Disclaimer‡
U.S. version of trademarks
All other trademarks are the property of their respective owners.
