Business Details
21 Years
experience
Your 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. bank accounts, credit cards, mortgages, and home equity lines of credit. Our commitment to seamless integration of Canadian and U.S. banking needs enables clients to manage finances effortlessly across borders. With innovative tools like unlimited instant CAD/USD transfers and access to 50,000+ no-fee ATMs, we prioritize convenience and cost-efficiency. Our team leverages deep cross-border expertise to deliver personalized solutions, including specialized mortgage programs and equity access options tailored to Canadian clients. By accepting Canadian credit history for U.S. loan applications and eliminating foreign exchange fees through strategic financing, we simplify financial management for those living, working, or traveling in the U.S.Our digital platforms provide 24/7 account access, while dedicated advisors offer guidance on navigating tax, legal, and real estate considerations. Through partnerships with cross-border experts and exclusive client perks, we ensure comprehensive support for all U.S. financial needs. With over 450,000 Canadian clients served, our proven track record demonstrates our position as a trusted leader in cross-border banking. We continuously innovate to maintain our reputation as the only U.S.-based bank specifically designed for Canadian financial requirements.
Services
U.S. Bank Accounts
U.S. Credit Cards
U.S. Mortgages
Home Equity Line of Credit
Personal Line of Credit
Cross-Border Bundles
No-Fee ATMs
Avion Rewards
Mortgage Pre-Approval
Foreign Exchange Services
Details
- Year established: 2005
Highlights and features
- We've specialized in cross-border banking for Canadians for 20 years
- We offer no annual fee cross-border banking bundles
- We provide access to 50,000+ no-fee U.S. ATMs
- We accept Canadian credit history for U.S. loan applications
- We help clients save up to $4,500 USD on mortgage closing costs
Associations and certifications
- Member FDIC
Services
U.S. Mortgages
RBC Bank offers specialized U.S. mortgage solutions for Canadian clients purchasing or refinancing American properties. Our programs include competitive rates, 30-year amortization, and term options from 3 to 10 years. We provide up to $4,500 USD in closing cost savings and accept Canadian credit history for applications.
Home Equity Line of Credit
Access up to 80% of your U.S. home's value through our No-Fee HELOC program. Enjoy interest-only payments for 10 years followed by 20-year repayment. We cover closing costs and provide check-writing access to your available credit.
Cross-Border Bundles
Customizable banking solutions combining U.S. accounts and credit cards with no annual fees for the first year. Our Bundle Builder tool helps Canadians create personalized packages that meet their specific cross-border financial needs.
No-Fee ATMs
Withdraw cash fee-free at 50,000+ ATMs across all U.S. states. Access cash back at major retailers like Target and Costco. Our network provides convenient access to U.S. currency without transaction fees for account holders.
Avion Rewards
Earn 1 Avion point per $1 spent on U.S. purchases with our no annual fee Visa Signature Black card. Redeem points for travel, gift cards, or 1% cash back. Avoid foreign transaction fees on all purchases.
Questions
What cross-border banking services does RBC offer Canadians?
We provide U.S. bank accounts, credit cards, mortgages, and home equity lines of credit specifically designed for Canadian clients.
How can I access U.S. cash without fees?
Use our network of 50,000+ no-fee ATMs across all 50 U.S. states for fee-free cash withdrawals.
Can I use my Canadian credit history for U.S. loans?
Yes, we consider Canadian credit history when reviewing U.S. loan applications for qualified clients.
What mortgage savings are available?
Qualify for up to $4,500 USD in closing cost savings on U.S. mortgages with our special offers.
How do I access home equity in the U.S.?
Apply for our No-Fee Home Equity Line of Credit to access up to 80% of your U.S. home's value.
Can I get mortgage pre-approval?
Yes, our U.S. Mortgage Experts provide pre-approvals to help you confidently purchase American property.
