Cross-Border Banking FAQs - RBC Bank

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U.S. Bank Accounts

Getting Started Apple Pay Paying Bills Debit Cards eStatements Taxes and Fees General Getting Cash Making Deposits Online Banking Security Transferring Money

Getting Started

Do I need a Social Security Number to open an RBC Bank U.S. account?

Do I have to file taxes in the U.S. if I transfer more than $10,000 from Canada?

As a Canadian - can I even open a U.S. account?

Do I need to have a U.S. address to open an RBC Bank account?

Apple Pay

Can I use Apple Pay outside of the U.S.?

What are the Apple Pay Terms and Conditions?

What is a digital account number (token)?

What is Apple Pay and how do I get it on my device?

How do I pay for goods and services using Apple Pay?

Paying Bills

Can I pay my Canadian bills via U.S. Online Bill Pay?

What is the RBC Bank routing (institution, or ABA) number?

What types of bills can I pay with RBC Bank Online Bill Pay?

How do I pay my U.S. bills using RBC Bank Online Banking?

How do I add my first bill in Online Bill Pay?

How do I make automated (ACH) payments?

Debit Cards

How do I reset my RBC Bank U.S. Debit Card PIN number?

What is included in debit transactions?

How do I get an RBC Bank U.S. Debit Card?

How does Visa Debit work?

How do I activate my RBC Bank U.S. Debit Card?

I have not received my new Visa Debit card/Client Card. What should I do?

What are the features of an RBC Bank U.S. Debit Card?

e Statements

How long will my eStatements be available online?

How do I enroll in eStatements?

Can I order paper copies of statements or check images I can't see online?

Does RBC Bank offer eStatements? If so, what accounts can I get an eStatement for?

How do I update my eStatement email address?

Taxes and-Fees

What are international transaction fee costs?

What is a foreign transaction fee?

Is there a fee to transfer funds between my RBC Bank accounts?

Is there a fee to deposit checks?

Do I have to file taxes in the U.S. if I transfer more than $10,000 from Canada?

General

How do I link my Canadian and U.S. online accounts for single sign-in?

How do I order additional checks?

Do I need to have a U.S. address to open an RBC Bank U.S. Business account?

How do I change my address?

What are the benefits of establishing U.S. credit and how do I do it?

How can I save on exchange rates with RBC?

Can I stop payment on multiple checks at one time?

Do I need a Social Security Number to open an RBC Bank U.S. account?

Where can I find my Client Identification Number (CIF)?

As a Canadian - can I even open a U.S. account?

Getting Cash

Does RBC Bank charge ATM fees?

What happens if I withdraw cash using non-RBC ATMs?

What else can I use U.S. ATMs for?

How do I get cash while I am in the U.S.?

Where can I find the nearest no-fee ATM?

How do I request ATM fee refunds?

Making Deposits

How do I deposit money in my U.S. bank account?

How do I make a deposit by mail?

Can I deposit cash into my account?

Will I get a receipt for deposits I make by mail?

How do I make an ATM Deposit in the U.S.?

When I deposit a check using Remote Deposit, how long does it take to post?

What is U.S. Remote Deposit?

How do I deposit a check using my mobile device?

How many deposits can I make each month?

Does RBC Bank charge ATM fees?

What is the minimum deposit to open a checking account?

Online Banking

What does RBC Bank Online Banking and Bill Pay offer?

How do I enroll in Online Banking?

How do I link my RBC Bank and RBC Royal Bank online accounts for single sign-in?

How do I enroll in U.S. Bill Pay?

I forgot my username or password

Security

How do I report fraudulent activity?

How do I report a lost or stolen Credit Card?

If my identify is stolen, do you offer restoration services?

How do I reduce my risk of identify theft?

If my identity is stolen, is there anything you can do to help?

How do I protect myself from email and website fraud?

What U.S. consumer protection laws cover electronic transactions?

Transferring Money

How do I dispute an electronic fund transfer transaction?

How long will it take for an online cross-border transfer to appear in my account?

Is there a limit to the amount I can transfer between my RBC Royal Bank of Canada and RBC Bank accounts?

Is there a limit to the number of transfers I can make between my RBC Bank (U.S.) accounts?

When can I make cross-border transfers?

How do I check the current exchange rate before I make a transfer between my U.S. and Canadian RBC accounts?

How do I set up recurring and scheduled money transfers?

How do I transfer money between my Canadian and U.S. accounts?

How do I receive a wire transfer?

How long will it take for an online or wire deposit to appear in my account?

Can I transfer money between my RBC Bank accounts and accounts I have with other U.S. financial institutions?

How am I protected against electronic transfer errors?

How do I send a wire transfer?

How do I transfer money between my RBC accounts and accounts I hold at other U.S. financial institutions?