RBC’s Snowbird Package® makes banking in the U.S. easy and convenient.
When you’re south of the border are you carrying large amounts of U.S. cash, using a Canadian credit card for purchases or relying on bank drafts to pay your U.S. bills? If so, there’s a better solution to save you time and money.
As the only U.S. financial institution dedicated to serving Canadians in the U.S., RBC Bank™ makes cross-border banking simple by letting you stretch your dollar further so you can focus on enjoying your time in the U.S.
With the RBC Snowbird Package® you can:
- Exchange and move money online - instantly and free1 - between your RBC Royal Bank Canadian and RBC Bank U.S. accounts. No need for expensive wires or bank drafts.
- Pay U.S. bills in seconds – from Canada or the U.S.
- Get U.S. cash at any U.S. ATM and RBC Bank will never charge you a fee2
- Enjoy 24/7 concierge services to schedule events, purchase tickets and more
- Save $25 on every $1,000 you spend. RBC's cards don’t charge a 2.5% transaction fee on your U.S. purchases
- Built in coverage protects your travel, purchases and more - at no extra charge3
To learn more and to find out about the exclusive CARP Member discount call 1-855-723-9414 to speak to an RBC Bank cross-border banking advisor. Or visit www.rbc.com/carp.
Purchasing a U.S. vacation home?
Financing a U.S. property can be a smart move.
Real estate in the U.S. is often more affordable than Canada – even factoring the value of the Canadian dollar. And just a few months of rent can be enough for a down payment.
Turn Your U.S. Home Buying Dreams Into Reality
RBC BankTM offers mortgage financing in all 50 states and will make your U.S. home buying easier by:
- Using your Canadian credit history to help you secure a mortgage.
- Offering fixed rate mortgages4. You can choose the term that works for you - 3-, 5- or 7 year5.
- Keeping your monthly costs down. Because your payment is based on a 30-year term, your monthly payments are kept as low as possible.
- Saving you money. Most banks charge a foreign national premium when buying in the U.S. Not RBC Bank!
Plus, if you get a mortgage you may reduce your up-front, one-time cost of currency exchange. Ask them how!
Visit www.rbcbank.com/usmortgages to learn more or call 1-866-283-5928 to speak with an RBC Bank mortgage specialist today!
CARP Members have the account fee waived for 12 months!
As a CARP member, you’re just a phone call away from less hassle and more savings every time you’re in the U.S. And you'll also enjoy a special offer, just for members - the account maintenance fees are waived for the first year. After your first year, the monthly fees are just $3.95.†
Not a CARP member? Join today for only $19.95 and benefit from this and other great offers. The value of the savings you receive can more than cover your membership. Visit www.carp.ca/living-well.
RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”).
† RBC Bank will waive the account monthly maintenance fee of $3.95 for Direct Checking for CARP members for a period of 12 months. All other account service fees and charges apply. eStatements are required with this account. CARP members will need to identify themselves as such to RBC Bank to receive the waiver. Offer may be changed or withdrawn at any time, without notice.
1 Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank (Georgia), National Association. Transaction may not appear on your account transaction history until the following day but will reflect the date of transfer.
2 Standard account fees and transaction limitations will apply. To find a no-fee ATM near you visit www.rbcbank.com/atms. If you can’t find a no-fee ATM nearby, you can use your RBC Bank Debit card for cash back with your purchases at many larger retail merchants such as grocery stores, or visit any U.S. ATM and request a refund of the ATM fee. Refund requests are subject to limitations. Refer to the Personal Schedule of Fees for details.
3 Travel services are subject to limitations and exclusions. Travel services are offered by Visa and are not an obligation of, or guarantee by any bank or bank affiate.
4 Mortgages are subject to approval, including verification of acceptable income, credit worthiness and property valuations. Minimum and maximum property values and maximum loan-to-value ratios apply. Homeowner’s insurance is required for all loans and lines of credit, and flood insurance is required if the property is located in a Special Flood Hazard area. Escrows may be required. There are closing costs associated with these products.
5 Example: 3-Year ARM calculation assumes a $250,000 loan amount, 3.750% interest rate, 4.046% APR, with 20% down payment, amortized over 360 months = $1,157.79 monthly payment. Example: 5-Year ARM calculation assumes a $250,000 loan amount, 3.875% interest rate, 4.059% APR, with 20% down payment, amortized over 360 months = $1,175.59 monthly payment. Example: 7-Year ARM calculation assumes a $250,000 loan amount, 4.125% interest rate, 4.165% APR, with 20% down payment, amortized over 360 months = $1,211.62 monthly payment. Rates are subject to increase after initial fixed period of loan.
® / ™ Trademark(s) of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owners.
Member FDIC. ® / ™ Registered trademarks of Royal Bank of Canada. Used under license.
RBC Bank refers to RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada
© RBC Bank (Georgia), N.A. 2017.