The Best RBC Bank Accounts

Discover the best RBC bank accounts tailored to your financial needs. Compare options, benefits, and fees to choose the ideal account that will maximize your savings and simplify your daily transactions.

Rbc Place Ville Marie

Looking for information on an RBC online banking account and want to know if Royal Bank of Canada is the right online bank for you? In this guide, you will learn everything about RBC Online Banking:

RBC's best bank account offers

RBC Current Banking Package

With RBC Day-to-Day Banking, you can manage your finances easily and efficiently with RBC Online Banking:

  • 12 free debit transactions per month
  • Enjoy peace of mind with low-cost overdraft protection
  • No monthly fees thanks to the Value Program

Get it all for a fee of $4 per month.

RBC No Limit Banking

With RBC No Limit Banking, you can easily and efficiently manage your finances with RBC online:

  • Unlimited debit transactions in Canada
  • Enjoy peace of mind with low-cost overdraft protection
  • No monthly fees thanks to the Value Program

Get all this for a monthly fee of $10.95.

RBC Signature No Limit Banking Account

With the RBC Signature No Limit Banking Package, you can easily and efficiently manage your finances with RBC online:

  • Unlimited number of debits in Canada
  • Up to $39 reduction in annual credit card fees
  • Free personalized cheques

Get it all for a fee of $15.95 per month.

RBC VIP Banking Package

With the RBC VIP Banking Package, you can easily and efficiently manage your finances with RBC online:

  • Unlimited cross-border transactions and debits
  • Up to $120 reduction in annual credit card fees
  • Up to two Canadian-dollar accounts and one additional U.S.-dollar account

Get all this for a fee of $30.00 per month.

Get up to $300 when you open an eligible RBC account by August 31, 2021. You have until November 30, 2021, to meet the eligibility criteria.

Conditions Apply.

Eligible RBC accounts include:

  • The RBC Advantage Banking Package – You’ll receive $100
  • The RBC Signature No Limit Banking Package – You’ll receive $300
  • RBC VIP Banking Package – You’ll receive $300.

Student Savings Accounts

RBC Leo's Young Savers Account

The RBC Leo’s Young Savers Account online is for kids 12 and under:

  • Get $25 off
  • 15 free debits per month
  • No minimum balance

RBC No Limit Banking for Students

The RBC No Limit Banking for Students online package is for students aged 13 and over:

  • Get $25 off
  • 15 free debits per month
  • No minimum balance

RBC Student Banking

RBC Online Student Banking is designed for students aged 13 and over:

  • Get $60
  • No monthly fees
  • 25 free debits per month
  • $39 rebate on the annual fees of any eligible RBC Royal Bank credit card
  • No minimum balance

RBC services

RBC Proximity service

On a day-to-day basis, RBC offers the RBC Proximity service, which allows you to :

  • earn rewards with your eligible bank account,
  • save on monthly fees on your eligible account,
  • Save money on gas at Petro-Canada with your linked RBC card,
  • keep an eye on your finances at all times with the integrated NOMI service: this helps you draw up a budget, save or even analyze your cash flow.

Online services offered by RBC

As an RBC Online Banking customer, you can benefit from a number of advantages:

  • 24/7 access to RBC Online Banking services
  • Online payments of your transactions and bills
  • Send money quickly to the person of your choice with an Interac e-Transfer
  • Receive government assistance in the RBC account of your choice with CRA direct deposit
  • Deposit your cheques anywhere with the RBC Mobile application
  • Save easily with NOMI Savings in the RBC Mobile App
  • Download a sample RBC cheque
  • In the event of loss or theft, block, unblock or replace your credit card through your RBC online banking service.

Also, please note that Royal Bank provides special offers for newcomers and students, as well as cross-border services for US dollar transactions.

Our Online RBC Review

In Quebec and elsewhere in Canada, RBC Online offers numerous banking services for its clients. By holding an RBC debit card, you can access many RBC Online Banking services.

Several online services are offered by the Royal Bank of Canada:

  • View your RBC chequing or savings accounts online
  • Manage your RBC loans and mortgages online
  • RBC online application for smartphones to manage your accounts anywhere
  • Send money from your RBC account online with Interac
  • And more!

RBC’s online banking service offering is comprehensive, particularly in Quebec, due to the presence of numerous RBC branches. Royal Bank of Canada is an excellent choice, with 1,200 branches and 4,200 ATMs.

Rbc Place Ville Marie
Rbc Place Ville Marie

Frequently asked questions about RBC Online

How do I log on to RBC Online Banking?

To log in to Online Banking :

  • Go to the Online Banking login page.
  • Enter your customer card number (or login) and password. If you’ve already created a login, you’ll need to use it to log in.
  • Click on Login.

How do I make payments through RBC Online Banking?

You can pay bills through RBC Online Banking.

First, you need to set up a list of beneficiaries. Simply log on to RBC Online Banking and select the “Manage Beneficiaries” option on the “Account Summary” page. You can then select “Add a payee” from the left-hand menu.

To make an online payment with RBC Online Banking :

  • On the “Account Summary” page, go to “Quick Payments & Transfers” on the right-hand side of the page.
  • Select the amount, the account from which you want to make your payment and the recipient.
  • Follow the on-screen instructions and press “Submit”.

How do I choose the right RBC online account?

It’s always a good idea to have both an RBC chequing account and an RBC savings account, since they serve different purposes. Your RBC online chequing account will be used for your daily transactions, such as ATM withdrawals, bill payments, purchases, etc. The RBC savings account, on the other hand, is not intended for everyday banking activities, but it allows you to earn interest on the money deposited there.

How can I replace a damaged RBC customer card?

To replace a damaged or malfunctioning RBC Client Card:

  1. Log on to Online Banking.
  2. In the main navigation bar, click on Profile and account settings.
  3. Find the section Your debit and credit cards.
  4. Click on Replace damaged client card
  5. Follow the on-screen instructions.

What should I do if my RBC Client Card is lost or stolen?

To block your RBC Client Card online:

  1. Log on to Online Banking.
  2. In the main navigation bar, click on Profile and account settings.
  3. Find the section Your debit and credit cards.
  4. Slide the toggle button to block the card

When your card is blocked, pre-authorized payments, INTERAC Online payments, deposits, Apple Pay transactions, and online refunds continue to be processed. Once you’ve found the card, you can unlock it.

To report a lost or stolen RBC debit card:

You can report it to RBC online. You’ll need to log in to Online Banking.

If the link doesn’t work, you can also find it by following these steps:

  1. Log on to Online Banking.
  2. In the main navigation bar, click on Profile and account settings.
  3. Find the section Your debit and credit cards.
  4. Click on Report lost or stolen customer card
  5. Follow the on-screen instructions

How do I obtain or view a cancelled RBC cheque?

You can obtain a printed copy of a cancelled cheque drawn on your accounts by logging into RBC Online Banking and selecting the appropriate deposit account on the RBC Online Account Summary page.

On the right, under Security and account management, click on View and print a cancelled cheque.

On the cancelled cheque, you’ll find three sets of numbers representing your banking information: the first set consists of the five-digit unit number (representing your RBC bank branch), the second set shows the three-digit banking institution number (representing your RBC bank), and the third set of numbers is your RBC Online Banking account number.

How do I contact the Royal Bank of Canada online?

There are several ways to reach RBC:

  • With secure messaging in your RBC Online account
  • By visiting one of our RBC branches
  • By calling 1-800-769-2511

What are RBC credit cards?

Royal Bank of Canada offers many credit cards. Consult our page dedicated to the best RBC credit card offers.

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