Take Advantage of Favourable Exchange Rates with a U.S. Personal Account (2024)

For Frequent U.S. Travelers

Have some extra U.S. cash? Avoid the exchange and keep your greenbacks in a U.S. Personal Banking account, so you always have U.S. cash on hand.

Monthly Fee: $3.00 USD

Open Account Onlinefor a U.S. Personal Banking account

Top Features Our Clients Love

  • Use Your Account as Often as You Need
    6 debits / monthlegal bug 1; $1.25 each thereafter

Other Features and Fees to Know About

Details Fees
Interac e-Transfer N/A
Overdraft Protectionlegal bug 3 $5 USD per month plus applicable interest
Non-RBC ATM Withdrawal N/A
Bank Draftslegal bug 2 $9.95 each, plus applicable Debit Transaction fee
Personalized Cheques Fees apply
Safe Deposit Box Fees apply
Cross-Border Debit Not Available
PLUS System Access Fee at a Non-RBC Royal Bank ATM Within Canada and U.S. Not Available
PLUS System Access Fee at a Non-RBC Royal Bank ATM Outside Canada and U.S. Not Available
Interest RateSee Personal Accounts Interest Rates
No Minimum Balance—Ever

Get More from Your Chequing Account

Manage Your Account Online, Anytime

Check your balances, pay bills, set up alerts and more – whenever you need to.

Enrol for Online Banking

Bank Anywhere

Take care of your banking from wherever you are, anytime you want.

Learn More about mobile banking

Ways to Open a Bank Account

  • Open Account Online
  • Call 1-800-769-2561 (Lines Open 24/7)
  • Take Advantage of Favourable Exchange Rates with a U.S. Personal Account (3)Call 1-800-769-2561 (Lines Open 24/7)
  • Visit Us

I Want to Switch

No problem. We can help you quickly transfer existing funds, payroll and automatic withdrawals into a new account with us.

Tell Me More about transfer to RBC

Need help choosing a U.S. account?

Based on your needs, we'll recommend a U.S. Bank Account and Credit Card that will save you money while in the U.S

Get Started

Your privacy matters to us

Protecting your privacy and safeguarding your personal information is a cornerstone of our organizational ethics and values and will always be one of our highest priorities.

RBC Digital Banking Security Guarantee

With the RBC Digital Banking Security Guarantee, you’re fully protected against any transactions you didn’t make or approve.

Learn More RBC digital banking security guarantee

Right Account Guarantee

That’s the Right Account Guarantee™. If you open or upgrade to an eligible* RBC banking account and you’re not completely satisfied with it, we will refund your monthly fees for up to 3 months.

Learn More right account guarantee

Digital Channel Privacy

What information does RBC collect and how is it used? Does RBC share my information?

I'm Already a Customer

To order new cheques:

  1. Sign in to Online Banking and click Account Services from the My Services box on the right side of the page.
  2. Click Order New Cheques from the navigation menu on the left.
  3. Follow the on-screen instructions.

The price of cheques depends on the quantity and style you order.

There are a couple of options for transferring money internationally. Our online RBC International Money Transfer service is a convenient way to send up to $10,000 CAD per day to over 200 countries worldwide, including the U.S. For larger amounts, a wire transfer is a good option.

Learn more about RBC International Money Transfer

Currently, you can only manage your alerts in Online Banking.

Visit your Alert Centre to set up your preferences:

  • Sign in and follow the Alerts link at the top of your Accounts Summary page.
  • In the Alert Centre, look for the link to your Alert Settings in left-side navigation.

First, set up your Alert Preferences.

Tell us where you’d like to receive your e-mail and text message (SMS) alerts.

Next, choose the accounts or programs you want us to tell you about.

  • For an item without any current alerts, select “Add Alerts”.
  • For an item with alerts you’d like to change, select “Edit”.

Now, tell us when you’d like to hear from us.

  • You can set some alerts to tell you when an account has a transaction over an amount you specify.
  • For others, you can decide when to hear about specific events in your accounts or programs, like the due date for a credit card payment.
  • And for some, you can tell us when to send you regular updates.

Finally, choose how you’d like to receive your alerts:

  • by e-mail
  • in a text message on your mobile device (SMS)

We’ll always send a copy to your Alert Inbox in Online Banking. And if you’ve downloaded the RBC Mobile banking app and allowed it to send push notifications, you’ll also see your alerts on your mobile device.

Go to our Exchange Currency Converter to get the latest foreign exchange rates.

With Interac e-Transfers you can send funds to clients of other financial institutions as well as RBC, and you don't need to know the account number of the person you're sending money to. All you need is their email address or mobile phone number.

You can send an Interac e-Transfer from Online Banking, or Mobile Banking. Here's how:

To send an Interac e-Transfer from Online Banking:

  • From the Accounts Summary page, select "More Payment Options" on the right side of the page.
  • Enter the payment amount of the transfer.
  • Select the account you want the funds to be debited from.
  • Open the “To” drop down list, select the Interac e-Transfer payee and Submit.

To send an Interac e-Transfer from Mobile Banking:

Select the Interac e-Transfers icon from the main page.

  • Choose the account you would like to pay from.
  • Select the recipient you wish to send funds to. If sending to a new recipient, select the + sign in the bottom left hand corner of the page.
  • Follow the steps

Direct deposit can be arranged with your employer or the issuer of a payment. You will need to provide the issuer with the necessary information regarding your account, such as a voided cheque.

To print a void cheque:

  • Sign in to Online Banking and click Account Services from the My Services box on the right side of the page.
  • ClickView and Print Void Chequefrom the navigation menu on the left.
  • Select an account.
  • Agree to the terms and clickView and Print.

Better Banking Gives You More

Need help choosing a U.S. account?

Based on your needs, we’ll recommend a Savings Account and Credit Card that will save you money while in the U.S.

Learn More about choosing a U.S. account

Security Guarantee

Get 100% reimbursed for unauthorized transactions.legal bug 8

Learn More about Security Guarantee

Legal Bug 1)

Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.

Legal Bug 2)

RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U.S. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded.

Legal Bug 3)

Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.

Legal Bug 8)

For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.

Take Advantage of Favourable Exchange Rates with a U.S. Personal Account (2024)

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