Get No-Annual-Fee Cross-Border Banking for a Year1
With the RBC cross-border banking bundle, you get:
No-Annual-Fee U.S. Banking1 for a year with free, unlimited cross-border transfers and instant exchange2 between your RBC Canadian and U.S. accounts.
No-Annual-Fee U.S. Credit Card3 with rewards and no foreign transaction fees4 on U.S. purchases.
Get This Bundle in 5 Minutes
100% Secure
Offer Available Through October 31st, 20231
For 17 years, RBC has been providing secure and easy U.S. banking to over 400,000 Canadians.
U.S. Bank Account
Direct Checking
A U.S.-based account giving you the freedom to bank in all 50 states from your mobile device – without the need for a U.S. address.
Annual Fee: $0 for the first year1
No more drafts and wires. Enjoy free cross-border transfers up to $25,000, between your RBC Royal Bank (Canadian) and your RBC Bank (U.S.) accounts - 24/7 with no delay2 from your computer or mobile device.
Watch How Easy It Is
With no Interac eTransfer in the U.S., it can be challenging to send money person-to-person. With a U.S. account and using your Canadian address, use your U.S. bank account to transfer funds to other U.S. accounts in Online Banking or with U.S. third party apps such as Venmo^, Apple Cash^, Cash App^ or PayPal^ – an option not available with a Canadian U.S. dollar account.
With Online Banking and Bill Pay you can make your U.S. payments from your desktop or mobile device, through our website or on the RBC Mobile App10 and even deposit U.S. checks with your smartphone or tablet.
U.S. Credit Card
Visa Signature Black
A No-Annual-Fee3 U.S.-based rewards credit card that uses your Canadian credit history to qualify.
Annual Fee: $0
Introductory APR: 0% for 6 months
0% introductory APR for 6 months. After the introductory period, a variable interest rate of between 9.99% and 19.99% will apply. This APR will vary with the market based on the prime rate†.
Save 2-3% on U.S. purchases by avoiding foreign transaction fees4 – and make returns in USD, without concern for currency fluctuations.
Redeemable for travel, gift cards, merchandise, unlimited 1% cash back7.
- No blackout periods or seat restrictions.
- Redeem points for flights and hotels.
- Easily manage and redeem your points for travel through Online Banking.
- Trip cancellation or interruption insurance up to $5,000
- Travel accident insurance up to $500,000 and lost luggage reimbursement up to $3,000
- Auto rental collision damage waiver
- Cell phone insurance up to $200 ($50 deductible)
- Purchase security up to $500 per occurrence
- Emergency cash and card replacement
- Enjoy travel perks such as signature concierge services to scheduled events and access to tickets.
- You’re covered by Visa’s Zero Liability Policy13 protecting you against unauthorized use.
Get Online Cross-Border Shopping & Shipping with MyUS.com
Through our partnership with MyUS.com9, shop U.S. retailers online tax-free and save up to 80% on shipping costs home to Canada. You'll save on your first year membership fee, set-up fee and get a 10% discount on the cost of your first shipment.
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The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians
Finding the idea of banking and getting credit in the U.S. stressful? We’re with you. We make cross-border banking easy and secure.
- Easy access to cash with over 50,000 no-fee ATMs5 in all 50 states
- Use your Canadian credit history, address and ID to apply
- Manage your money anywhere, anytime through mobile, online and telephone banking
How we make cross-border banking easy
The Only U.S.-Based Bank Designed Specifically for Cross-Border Canadians
Finding the idea of banking and getting credit in the U.S. stressful? We’re with you. We make cross-border banking easy and secure.
- Easy access to cash with over 50,000 no-fee ATMs5 in all 50 states
- Use your Canadian credit history, address and ID to apply
- Manage your money anywhere, anytime through mobile, online and telephone banking
How we make cross-border banking easy
Apply Online in Just 5 Minutes
It's easy and quick. You can start your no-obligation application online right now. It usually takes less than 5 minutes and you can even open your U.S. bank account immediately.
Apply by October 31st, 2023 and enjoy no-annual-fee cross-border banking for 1 year1.
Get This Bundle in 5 Minutes
100% Secure
Legal Disclaimer
RBC Bank, Equal Housing Lender 
Member FDIC.
Legal Disclaimer
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”).
Legal Disclaimer1
Offer period is November 1st, 2021 through October 31st, 2023 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary accountholder on any RBC Bank U.S. checking account for the 18 months prior to the start of the offer period. To qualify, client must open a new RBC Bank Direct Checking account and apply for an RBC Bank credit card before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. Direct Checking account must be funded according to the Personal Schedule of Fees. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year. All other checking account fees and credit card fees apply. If a client applies for an RBC Bank Visa Signature Black Plus credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.
Legal Disclaimer2
No foreign transaction fees or transfer fees will be charged. Foreign exchange rates apply when converting currencies Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your account transaction history until the following day but will reflect the date of transfer.
Legal Disclaimer3
All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Late Payment Fee- up to $35. Returned Payment Fee - up to $35. Annual Fee Visa Signature Black Plus - $75. Annual Percentage Rate is 13.49%to 20.24%for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 7.50% as of December 15, 2022.
Legal Disclaimer4
While there are no foreign transaction fees for purchases in the U.S. or in USD, there are foreign transaction fees for purchases conducted in foreign currency. RBC Bank Foreign Transactions: Signature: 1.5% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. Platinum: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency.
Legal Disclaimer5
There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. To find a no-fee ATM near you visit www.rbcbank.com/atms. If you can't find a no-fee ATM nearby, you can use your RBC Bank Debit card for cash back with your purchases at many larger retail merchants such as grocery stores, or visit any U.S. ATM and request a refund of the ATM fee. Refund requests can be made by signing into online banking and sending a secure message to our online banking support team. All refunds are subject to limitations, refer to the Personal Schedule of Fees for details.
Legal Disclaimer6
Refer to the RBC Rewards Program Rules and Conditions provided with your credit card for details. Rewards Points are not earned on balance transfers and cash advances.
Legal Disclaimer7
1.00% cash back from the RBC Bank U.S. Visa Signature/Platinum Rewards credit cards and 1.25% cash back from the RBC Bank U.S. Visa Signature Black Plus credit card can only be redeemed with RBC Rewards Points.
Legal Disclaimer8
All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.
Legal Disclaimer9
This company is not affiliated with RBC Bank and RBC Bank is not responsible for the offer provided by this company.
Legal Disclaimer10
RBC Mobile and RBC Online Banking are operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Legal Disclaimer11
Debit transaction charges do not include service charges and online fund transfers such as a transfer to a deposit account, a credit card payment and north and south transfers from an RBC Royal Bank account and RBC Bank account in the same name.
Legal Disclaimer12
Subject to the maximum extent permitted by law. Amount of coverage is based on the account balance and account ownership. For details visit www.fdic.gov.
Legal Disclaimer13
Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.
Legal Disclaimer*
MyUS is not affiliated with RBC Bank. RBC Bank or any of its affiliates are not responsible for the offer provided by MyUS. Program details can be found at www.myus.com/welcome/rbc/.
Legal Disclaimer^
This company is not affiliated with RBC Bank and RBC Bank is not responsible for the offer provided by this company.
Legal Disclaimer†
Prime Rate: As published in the Wall Street Journal; current rate is 7.50% as of December 15, 2022.