If your personal, travel or business interests involve the U.S., you want to ensure you don't experience unexpected costs and delays with your transactions.
At RBC Private Banking, we can integrate cross-border banking into your services to make banking in the U.S. as seamless as possible.
- Make your transactions in U.S. dollars to avoid currency fluctuations
- Enjoy preferred exchange rates1
- Get access to U.S. property financing in any of the 50 states2
U.S.-based chequing accounts
Access U.S. funds whenever you need them. We can help you open a U.S.-based chequing account, which includes:
- Instant and free3 online currency exchange and transfers between your RBC Royal Bank (Canadian) and RBC Bank™ (U.S.) accounts
- Easy online deposit and bill pay from any device
- More than 50,000 no-fee ATMs nationwide4
- A preferred exchange rate1
RBC Bank Visa‡ Signature Black Plus credit card
Manage your purchases, whether online or while travelling, with the U.S.-based RBC Bank Visa Signature Black Plus credit card, which includes:
- No RBC foreign transaction fees5
- Preferred foreign exchange rates
- Earn RBC Reward points redeemable for travel, cash back and more6
- Travel insurance and select emergency services7
- 24/7 concierge services8
Explore U.S. real estate opportunities
It may be time for a new vacation home or to expand your business into another location. Your status as an RBC Private Banking client and good Canadian credit history can help you qualify for financing or refinancing9 a U.S. property. We can guide you through your options and other ways we can help.
Personal lending products and residential mortgages are offered by RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada and are subject to its standard lending criteria. Some conditions apply.
1 Preferred foreign exchange rate is a feature of the RBC Bank Premium Checking account available through RBC Bank (Georgia). RBC Bank means RBC Bank (Georgia) N.A., a subsidiary of Royal Bank of Canada.
2 Mortgages are subject to approval, including verification of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit, and flood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required. There are closing costs associated with these products.
3 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 RBC Bank account transaction history until the following day but will reflect the date of transfer.
4 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.
5 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: RBC Bank Signature Black/Signature Black Plus credit cards: 1.5% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. RBC Bank Platinum Rewards/Platinum Rewards Plus credit cards: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency.
6 Refer to the RBC Rewards Program Terms and Conditions provided with your card for details. RBC Rewards points are not earned on balance transfers and cash advances.
7 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.
8 Concierge services are provided by Visa.
9 Refinancing not offered for properties in Texas.