Explore Cross-Border Banking Solutions for Canadians in the US (2024)

No Annual Fee Cross-Border Banking for 1 Year^{20Legal Disclaimer (opens in popup), 29Legal Disclaimer (opens in popup)}

Head to the U.S. with the essentials:

No annual fee U.S. banking for 1 year^{29Legal Disclaimer (opens in popup)}
A no annual fee U.S. credit card^{20Legal Disclaimer (opens in popup)}
Cross-border offers & perks

Get the Bundle

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^{1Legal Disclaimer (opens in popup)} and 50,000+ no-fee ATMs^{2Legal Disclaimer (opens in popup)} – you can even send money to your friends and family – all from your phone.

Explore U.S. Bank Accounts

U.S. Credit Cards

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

Explore U.S. Credit Cards

U.S. Mortgages

Whether you’re buying your first U.S. home^{8Legal 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.

Buy a New Home Tap into Your U.S. Home Equity

The Only U.S.-Based Bank Specifically Designed for Canadians

For 17 years, RBC has been providing secure and easy U.S. banking to over 400,000 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^{1Legal Disclaimer (opens in popup)}

Transfer Money

Easy access to cash at 50,000+ no-fee ATMs²

Get cash at 50,000+ no-fee ATMs^{2Legal 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 States, 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^{39Legal 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^{20Legal Disclaimer (opens in popup)} 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.^{6Legal Disclaimer (opens in popup)} Redeem points for travel, gift cards or unlimited 1% cash back.^{24Legal Disclaimer (opens in popup)}

Playing and Shopping in the U.S.

For the snowbird, U.S. vacationer or cross-border shopper

Travelling in the U.S. Bundle

Moving to the U.S.

For Canadians working in or moving to the U.S.

Moving to the U.S. Bundle

Golfing in the U.S.

For the avid golfer that wants to golf in the sun year round

Golfing in the U.S. Bundle

Studying in the U.S.

For Canadians going to college or university in the U.S.

Studying in the U.S. Bundle

Get cash at 50,000+ no-fee ATMs² in all 50 states!

Search for a No-Fee ATM near you:

FEATURED OFFER FOR RBC CLIENTS

Abenity^{39Legal Disclaimer (opens in popup)} Perks

Save with 300,000+ discounts on hotels, restaurants, attractions and more

How It Works (opens modal window)

Buy Your U.S. Dream Home^{8Legal Disclaimer (opens in popup)}

RBC U.S. HomePlus^TM Advantage is built exclusively for Canadians to take the guesswork out of U.S. home buying. You’ll get access to cross-border real estate, tax, legal and financing experts.

RBC U.S. HomePlusTM Advantage

Choose the Rate & Term That’s Right For You

Rates starting at:

Choose between 3-, 5-, 7-, and 10-year terms^{25Legal Disclaimer (opens in popup)}. All loans are amortized over 30 years to keep your monthly payments low and when your term expires, renew for free.

Personalize Your Rate

Mortgage Payment Calculator

Estimate your monthly mortgage payment, including taxes and insurance.

Play With The Numbers

Cash vs. Financing Calculator

See how financing saves you thousands of dollars in one- time, up-front FX costs.

Explore the cost of financing

Save thousands on a U.S. mortgage

Don’t pay bank fees on your U.S. mortgage and save up to $4,500 USD in closing costs.^{42Legal Disclaimer (opens in popup)}

Get Pre-ApprovedGet Pre-Approved Link

Have Questions? Talk To A U.S. Mortgage Expert

Discover & Learn

Go-To Grandma Podcast: Kathy Buckworth on Grandparenting and Cross-Border Living

Read The Article Read Article LinkRead Article about Go-To Grandma Podcast: Kathy Buckworth on Grandparenting and Cross-Border Living

Southward Bound: 6 Tips for a Safe and Happy Border Crossing

Read The Article Read Article LinkRead Article about Southward Bound: 6 Tips for a Safe and Happy Border Crossing

Can You Work Remotely in Paradise? What to Consider Before You ‘Work From Home’ in the U.S.

Read The Article Read Article LinkRead Article about "Can You Work Remotely in Paradise? What to Consider Before You ‘Work From Home’ in the U.S."

Discover More

The $4,500 USD in savings is based on an average loan of $450,000.

With Abenity^{39Legal Disclaimer (opens in popup)}, you’ll save with 300,000+ discounts on hotels, restaurants, attractions and more

As an RBC Bank client, use Abenity's mobile app or website to get access to discounted rates on fun experiences, travel, dining out, necessities and more in the U.S.