RBC bank accounts offer a comprehensive range of features to cater to diverse financial needs. With a wide network of ATMs in Canada, account holders benefit from convenient and fee-free transactions. Moreover, RBC extends its services beyond borders, though fees may apply for non-RBC ATMs outside Canada. The accounts also provide interest on every cycle, ensuring that customers can earn on their balances. For students, RBC's Advantage Banking for Students offers tailored solutions, emphasizing financial flexibility and advantageous features. Additionally, the absence of an account expiration requirement contributes to the accessibility and longevity of RBC banking services for individuals.
Key Features
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Everyday Banking Options. RBC provides a variety of everyday banking solutions, including chequing accounts such as RBC Signature No Limit Banking and RBC Advantage Banking.
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Fees and Accounts. Clients can choose from a selection of eligible RBC bank accounts, each with its own monthly fee structure. RBC Signature No Limit Banking, for example, offers unlimited debits with a monthly fee.
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Online and Mobile Banking. With the RBC mobile app and online banking services, account holders can conveniently manage their finances, make bill payments, and perform various transactions anytime, anywhere.
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Overdraft Protection. RBC understands the importance of financial security, providing overdraft protection to eligible RBC bank account holders.
How to create an account?
Online
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Access RBC Online Banking. Visit the official RBC Royal Bank website and click on "Apply Now" for the right account. Ensure you have the required documents like passport or driver's license.
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Select the Right Account. Choose the appropriate account type based on your needs, such as a chequing or savings account. Consider features like RBC VIP Banking for additional benefits.
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Provide Personal Information. Fill out the online application form with your personal details, including your name, address, and employment information. Be prepared to verify your identity.
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Choose Additional Features. Opt for additional features such as overdraft protection, credit cards, or the option to link your account for convenient access.
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Review and Submit. Carefully review the terms and conditions, including any applicable monthly fees or annual fees. Once satisfied, submit your application. You may need to undergo a brief review process.
Offline
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Visit the Nearest RBC Branch. Locate the nearest Royal Bank of Canada (RBC) branch in your area. You can find the address on the official RBC website.
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Speak with a Banking Representative. Approach an RBC representative and express your intention to open a banking account. Provide necessary documents such as a valid ID, proof of address, and, if applicable, information about your co-applicant.
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Select the Right Account Type. Discuss your banking needs with the representative and choose the most suitable account type, whether it's a chequing account, savings account, or another option that aligns with your requirements.
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Complete Application and Documentation. Fill out the required forms with your personal information, including details about the co-applicant if applicable. Submit the necessary documents for identity verification and credit history check.
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Review Terms and Confirm. Carefully review the terms and conditions of the selected account, including any applicable annual fees or features like free debits. Once satisfied, confirm your decision to open the account, and the bank representative will guide you through the final steps.
Step-by-step registration
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Go to the RBC Website. Open your web browser and navigate to the official Royal Bank of Canada (RBC) website at www.rbc.com.
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Choose the Product. Browse through the available banking products and select the one that suits your needs, such as a chequing account or a savings account.
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Click "Apply Now". Once you've chosen the product, locate and click on the "Apply Now" button associated with your selected account.
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Choose How to Proceed. Opt for your preferred registration method - either on the website or through the RBC mobile app.
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Enter Personal Information. In the provided fields, enter your name, date of birth, and select your province of residence.
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Enter Contact Information. Input your email address and phone number, ensuring they are accurate for communication purposes.
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Choose Additional Features. Decide if you would like to open the RBC High Interest eSavings account and specify how you intend to use the account.
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Enter Your Address. Provide your residential address details as part of the registration process.
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Employment Status. Indicate your current employment status from the options provided.
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Enter Tax Details. Input relevant tax details as required by the application.
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Enrol in the Value Program. Choose whether you would like to enroll this account in the Value Program offered by RBC.
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Submit Your Application. Review all the entered information, ensure its accuracy, and then submit your application. You may receive further instructions or notifications regarding the status of your application.
How to log in?
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Visit RBC Website. Open your web browser and go to the official Royal Bank of Canada (RBC) website.
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Choose Your Case Size. Select the appropriate case size for your login process, whether it's a personal computer, tablet, or mobile device.
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Enter Username and Password. On the login page, input your RBC Day banking credentials, including your username and password.
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Plus System Security. Enhance security with the Plus System by entering any additional verification information required.
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Access Your Account. Once verified, you'll gain access to your RBC bank account, where you can manage your finances, view transactions, and utilize various banking features.
How to activate my account?
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Sign in to Online Banking. Access the RBC website and sign in to Online Banking using your credentials.
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Enter your 7-digit Activation Code. Once signed in, you'll be prompted to enter your 7-digit Activation Code.
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Select "Submit". After entering the code, click on "Submit" to proceed with the activation process.
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Access Full Functionality. Your account is now activated and has access to the full functionality of Online Banking.
How to delete my account?
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Visit the RBC Bank Homepage. Open your web browser and navigate to the official Royal Bank of Canada (RBC) website.
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Enter Your Username. Access your online banking profile by entering your username and password.
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Open the "Account Services" Section. Inside your online banking profile, find and click on the "Account Services" section.
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Select "Close an account". Look for the option labeled "Close an account" and choose it.
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Select the Bank Account You Wish to Close. Choose the specific bank account you want to close and provide the required information.
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Review the Information. Double-check the details and click on "Proceed" to initiate the account closure process.
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Confirm the Transaction. Confirm the closure transaction through the verification message you receive.
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Print or Save an Electronic Copy of the Transaction. After confirmation, make sure to either print or save an electronic copy of the transaction for your records.
How to reset my password?
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Visit the RBC Bank Homepage. Open your web browser and navigate to the official Royal Bank of Canada (RBC) website.
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Click on "Sign In" and Select "Forgot Password?". Locate the "Sign In" option on the homepage. Click on it, and then select "Forgot Password?".
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Enter Your Username and Date of Birth. Input your username and date of birth when prompted. This information helps verify your identity.
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Receive and Confirm the Verification Code. RBC will send a verification code to your registered email or phone number. Confirm the code to proceed.
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Create a New Password. Once verified, you'll be prompted to create a new password. Enter the desired password and confirm it. This will be your new login credential.
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Additional Resources
- About Royal Bank of Canada
- How to PayOff RBC Debt
- RBC Mobile App
- RBC Customer Reviews
- RBC Personal Loans for April 2025
- RBC Personal Loans Calculator
- RBC Student Loans Calculator
- RBC Mortgage Loans Calculator
