Cross-Border Banking

No annual fee cross-border banking for 1 year 20 Legal Disclaimer (opens in popup) ,29 Legal Disclaimer (opens in popup)

Head to the U.S. with the essentials:

Use our bundle builder to have a cross-border bundle built just for you!

Cross-border banking for Canadians

Find cross-border solutions to save money and let you focus on enjoying your time in the U.S.

U.S. bank accounts

Enjoy your travels with instant cross-border transfers 1 Legal Disclaimer (opens in popup) and 50,000+ no-fee ATMs 2 Legal Disclaimer (opens in popup) – you can even send money to your friends and family – all from your phone.

U.S. credit cards

Save on foreign transaction fees, earn rewards and enjoy purchase protection, travel perks and convenience.

U.S. mortgages

Whether you’re buying your first U.S. home, 8 Legal Disclaimer (opens in popup) using your U.S. equity to upgrade or invest, or renewing your current mortgage, we will guide you through your options and help you find the solution that’re right for you.

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The only U.S.-based bank specifically designed for Canadians

For 20 years, RBC has been providing secure and easy U.S. banking to over 450,000 Canadians who live, travel, shop and work in the U.S. We make cross-border banking easy and secure.

Unlimited instant CAD <> USD transfers

No worrying about drafts and wires. Enjoy free transfers between your Canadian and U.S. RBC accounts — 24/7 with no delay.

Easy access to cash at 50,000+ no-fee ATMs

Get cash at 50,000+ no-fee ATMs 2 Legal Disclaimer (opens in popup) in all 50 states. Plus cash back at large retailers like Target, Costco, CVS and Walgreens.

Send and receive money person-to-person in the U.S.

While there is no Interac e-Transfer in the U.S., there are several ways to send money between U.S. accounts through 3rd party apps like Venmo, PayPal, Apple Cash and Cash App with a U.S. cell number. 39 Legal Disclaimer (opens in popup) You can also transfer funds to other U.S. accounts in online banking.

Earn Avion Rewards on your purchases

With your no annual fee RBC Bank U.S. Visa Signature Black credit card, avoid foreign transaction fees on your U.S. purchases while earning 1 Avion point for every $1 spent. 6 Legal Disclaimer (opens in popup) Redeem points for travel, gift cards or unlimited 1% cash back. 24 Legal Disclaimer (opens in popup)

Build a U.S. banking bundle tailored to your needs

Use 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.