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Business Details
21 Years
experience
Your Trusted Cross-Border Banking Partner in the U.S.
RBC Bank has been providing secure and accessible U.S. banking solutions to Canadians for over two decades. Specializing in cross-border financial services, we offer a comprehensive range of products including U.S. mortgages, home equity lines of credit, checking and savings accounts, and credit cards designed to meet the unique needs of Canadians living, working, or traveling in the United States. Our commitment to seamless banking is reflected in features like unlimited instant CAD to USD transfers, access to 50,000+ no-fee ATMs across all 50 states, and the ability to use Canadian credit history for U.S. loan approvals. With RBC U.S.

HomePlus Advantage, we provide exclusive support for homebuyers through cross-border real estate, tax, and legal expertise. Our team prioritizes flexibility, cost savings, and convenience, offering no annual fee cross-border banking bundles, foreign transaction fee savings, and personalized financial solutions. As a subsidiary of Royal Bank of Canada, we combine global expertise with localized service to ensure our clients experience the benefits of trusted, borderless banking.
Services
U.S. Mortgages Home Equity Line of Credit Cross-Border Checking Visa Signature Credit Cards Mortgage Refinancing
Details
  • Year established: 2005
Highlights and features
  • 20 years of experience serving over 450,000 Canadians with U.S. banking needs
  • No-fee HELOC options saving thousands in closing costs
  • Access to 50,000+ no-fee ATMs across all 50 states
  • Utilize Canadian credit history for U.S. loan approvals
  • Exclusive RBC U.S. HomePlus Advantage for homebuyers
Associations and certifications
  • FDIC
Update Listing
Services
Home Equity Line of Credit
Access up to 80% of your U.S. home equity with flexible borrowing terms. Enjoy interest-only payments for 10 years followed by 20-year repayment. No minimum balance requirements and instant online access to funds.
Cross-Border Mortgages
Specialized mortgage solutions for Canadian buyers. Choose 3-10 year terms with 30-year amortization. Save up to $4,500 USD in closing costs with exclusive offers for RBC clients.
No-Fee Checking Accounts
Manage U.S. finances with no annual fee accounts. Enjoy unlimited instant CAD-USD transfers and access to 50,000+ no-fee ATMs across the U.S. with no foreign transaction fees.
Visa Signature Credit Cards
Earn Avion rewards on every purchase with no foreign transaction fees. Enjoy purchase protection, travel perks, and 1% cash back options while building U.S. credit history.
Personal Line of Credit
Access flexible credit starting at $3,500 with $25 annual fee. Use for unexpected expenses with variable rates lower than credit cards and interest-only payment options.
Questions
Can Canadians qualify for U.S. loans using Canadian credit history?
Yes, we use Canadian credit history to evaluate U.S. loan applications for qualified clients.
How do I access my HELOC funds?
Transfer funds instantly through Online Banking or use personalized checks provided at closing.
Are there closing costs for U.S. mortgages?
We cover closing costs on select products, potentially saving you thousands of dollars.
Can I access Canadian funds in the U.S.?
Yes, enjoy unlimited instant CAD-USD transfers between RBC accounts 24/7 with no fees.
Do you offer business banking services?
We provide business money market accounts and commercial financing solutions for cross-border operations.