Rbc la banque en direct rbc student visa RBC Placements en Direct Inc.*, RBC Dominion valeurs mobilières Inc. et Banque Royale du Canada sont des entités juridiques distinctes et affiliées. RBC Placements en Direct Inc. ne fournit pas de conseils en placement ou de recommandations concernant l’achat ou la vente de valeurs mobilières. Merci d'avoir utilisé services Bancaires en ligne RBC Express. Site Web de la Banque Royale du Canada. Haut de la page.

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You’ll get continuous learning and skills development, along with exposure to transactions and business development activities across product and industry groups. Our leadership invests in new recruits and helps get you where you want to go. Through our breadth of offering, we give you the experience to work on various projects and explore different areas within the RBC Capital Markets. Our culture is anchored on positive values that create a thriving and inclusive workplace. We embrace innovation and empower people with diverse skills, backgrounds and approaches to create winning solutions for clients. Here, you’ll work for one of the most stable and trusted investment banks globally. We are part of Royal Bank of Canada (RBC), founded in 1864 and recognized time and time again for its financial strength and market leadership. Be part of a purpose-driven organization making a positive impact on our communities. RBC is well recognized for our philanthropic work and efforts to address social and environmental challenges. We offer many opportunities to use your skills for the greater good. Get your career journey started with RBC Capital Markets. If you’re up to the challenge and have the right credentials, we invite you to apply. To get started, select the location and program type that interest you. The requested URL /cgi-bin/tools/cadusd-foreign-exchange... Additionally, a 404 Not Found error was encountered while trying to use an Error Document to handle the request. Rbc day to day banking rbc a Automatically exchange and instantly transfer money for free 1 between your RBC Bank U. S. and RBC Royal Bank ™ Canadian accounts Easily access your money through online or telephone banking Call 1-800-769-2553 to open an account Make deposits and withdrawals from RBC Royal Bank at any RBC ATM, at any time – day or night; Free quarterly statements for easy record keeping; Free access to Digital Banking; International access to ATMs and Point of Sale systems through RBC Visa Debit Card *Please refer to our schedule of fees and service charges available in branch and online. There are a couple of options for transferring money internationally. Our online RBC International Money Transfer service is a convenient way to send up to $10,000 CAD per day to over 200 countries worldwide, including the U. For larger amounts, a wire transfer is a good option. Learn more about RBC International Money Transfer We’ll always send a copy to your Alert Inbox in Online Banking. And if you’ve downloaded the RBC Mobile banking app and allowed it to send push notifications, you’ll also see your alerts on your mobile device. e-Transfers you can send funds to clients of other financial institutions as well as RBC, and you don't need to know the account number of the person you're sending money to. All you need is their email address or mobile phone number. You can send an Direct deposit can be arranged with your employer or the issuer of a payment. You will need to provide the issuer with the necessary information regarding your account, such as a voided cheque. To print a void cheque: Retail Banking: RBC Royal Bank received the highest numerical score among the big five retail banks in the J. Power 2016-2018 Canadian Retail Banking Customer Satisfaction Studies. Visit As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. The study is based on responses from nearly 14,000 retail banking customers of Canada’s largest and midsized banks regarding their experiences with their retail bank. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and West Jet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum and West Jet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. This offer is to receive a complimentary Apple Air Pods. It is only available to permanent Canadian residents who, as of February 28, 2020 do not have, and in the 5 years prior have not had, a Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries, who as of April 30, 2020 have reached the age of majority in the province or territory in which they reside, and who meet all other terms and conditions of the offer. To qualify, you must: RBC has the right to determine in its reasonable discretion whether the qualifying criteria have been met. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms, visit com/airpodsoffer Offer available to Eligible Clients who were not the Primary Owner of an RBC High Interest e Savings Account at any time before the beginning of the Qualifying Period, and who open an RBC High Interest e Savings account (“Eligible e Savings Account”) as the Primary Owner between (the “Qualifying Period”). Offer only applicable to deposits made in the Eligible e Savings Account up to 6 months (180 days) from the date the Eligible e Savings Account was opened (the “Promotional Period”), on a total maximum of ). Regular Interest Rate, Initial Bonus Interest Rate and Subsequent Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. For defined terms and complete terms and conditions that apply to this Offer, please visit rbc.com/esavingsoffer. Offer and interest rates are subject to change without notice. Total of 90 days or 180 days: For the purpose of this RBC New e Savings Client Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days and any reference to a period of 6 months means a period of 180 calendar days, regardless of how many calendar days may fall within any given calendar 3-month period. Eligible accounts for the Right Account Guarantee are: RBC VIP Banking, RBC Signature No Limit Banking, RBC No Limit Banking, RBC No Limit Banking for Students and RBC Day to Day Banking. This offer is limited to the monthly fee that applies to the new or upgraded account for the first 3 months the account remains open. You must close the new or upgraded account or switch to another account and apply for the refund within 4 months of account opening or upgrade. If you close the account, we’ll refund the monthly fees for the time the account remained open up to a maximum of 3 months. If you downgrade to a lower fee account, we’ll refund the difference in monthly fees between the two accounts for the time the higher fee account remained open up to a maximum of 3 months. Offer limited to one account opening or upgrade per customer per calendar year. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded. Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. If you have questions, please speak to your branch. RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. This offer is available to permanent Canadian residents without an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking affiliates at the beginning of October 2, 2018, and otherwise comply with the terms of the offer. The Eligible Personal Banking Accounts are RBC No Limit Banking and RBC No Limit Banking for Students. Account must be opened in branch or via the advice centre. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC No Limit Banking Account or the RBC No Limit Banking for Students Account. Monthly fee will be waived for the first twelve (12) months upon account opening. To qualify for the RBC No Limit Banking Account offer you must be of the age of majority in the province or territory in which you reside on or before the start of the Promotional Period (October 2, 2018) This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit com/offerterms. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded. Debit Transactions in the Day to Day Banking and U. Personal Accounts: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account or U. If you have an eligible banking account and two or more qualifying, eligible RBC products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. For more information on the Multi Product Rebate visit any RBC Royal Bank branch, call Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Overdraft Protection is an optional feature that may be added to your account. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. This offer is to receive a complimentary Apple Air Pods. It is only available to permanent Canadian residents who, as of February 28, 2020 do not have, and in the 5 years prior have not had, a Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries, who as of April 30, 2020 have reached the age of majority in the province or territory in which they reside, and who meet all other terms and conditions of the offer. To qualify, you must: RBC has the right to determine in its reasonable discretion whether the qualifying criteria have been met. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you.


TORONTO, May 22, 2008 — With 28 per cent of its small business and commercial clients already doing business around the world, and a further 10 per cent looking to do so within the next two years, RBC is extending its integrated global financial services throughout Europe and the Asia/Pacific region, including China and India. "For some time, Canada's biggest corporations have had access to the global treasury management solutions they need," explained Jana Henderson, director, RBC Global Solutions. "Now RBC is ensuring that Canadian-based small and commercial businesses can access the same scope and level of service in Europe and Asia/Pacific - and via the same RBC relationship team they know and who knows their business and their industry." "Just as understanding a company's business and industry is critical to adding real value, so is the ability to support their success when their business enters new countries around the world," added Ms. RBC's small business and commercial clients currently conduct business in more than 100 countries. While the most business activity continues to be with the U. (84 per cent), 15 per cent now involves Europe, nine per cent involves China, and seven per cent involves other countries in the Asia/Pacific region. Of the 10 per cent of RBC's clients who anticipate entering the international arena within the next two years, one-in-five are looking at China, while one-in-seven are planning activity in Europe or the Asia/Pacific. RBC's research finds that the four Canadian industry sectors most actively doing business around the world are Manufacturing (28 per cent), Wholesale (13 per cent), Consumer Services (10 per cent), and Knowledge-Based Industries (eight per cent.) To further support the success of its small business and commercial clients, RBC is partnering with Deutsche Bank AG, to leverage its extensive European and Asia/Pacific financial services infrastructure. With RBC as the single point of contact for their international banking needs, Canadian-based companies and their foreign subsidiaries will be able to access a full range of global treasury management solutions for their day-to-day banking, including in-country deposit accounts, payments, collections, and online access. This is the first in a series of initiatives RBC is embarking on to extend and enhance its reach globally beyond Canada and the U. S., into the European and Asia/Pacific countries where RBC clients are expressing the most interest in doing business. RBC's Global Transaction Solutions team of international specialists will continue to provide industry-leading global expertise in such areas as foreign exchange, payments, collections, and trade finance products. "Our clients already have access to RBC's extensive capabilities for their business banking needs in North America," added Shauneen Bruder, executive vice-president, Business and Commercial Banking for RBC. "However, our clients' horizons are widening beyond North American borders and we're keeping pace. We're going to continue to be wherever they need us, providing the advice and global capabilities to support their success." RBC is recognized as Canada's financial services leader in cash management, international trade finance, and foreign exchange. RBC's most recent awards for global financing expertise include Leading Bank in Cash Management, Technology, and Cross Border/International Reach (Cash Management & Electronic Business Banking - 2006, Maritz Research), No. 1 Canadian Foreign Exchange, Dealer and Electronic Platform, 2007 (Euromoney Magazine), and Best Trade Finance Bank in Canada, 2007 (Global Finance Magazine). As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and West Jet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded. Debit Transactions in the Day to Day Banking and U. Personal Accounts: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account or U. ATM - RBC ATM Access fees waived An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. ATM use outside Canada Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATM - Unlimited banking transactions including and PLUS System network fees waived ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle. Overdraft Protection is an optional feature that may be added to your account. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. If you have an eligible banking account and two or more qualifying, eligible RBC products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. For more information on the Multi Product Rebate visit any RBC Royal Bank branch, call An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded. Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase. If you have questions, please speak to your branch. RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. This offer is to receive a complimentary Apple Air Pods. It is only available to permanent Canadian residents who, as of February 28, 2020 do not have, and in the 5 years prior have not had, a Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries, who as of April 30, 2020 have reached the age of majority in the province or territory in which they reside, and who meet all other terms and conditions of the offer. To qualify, you must: RBC has the right to determine in its reasonable discretion whether the qualifying criteria have been met. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Rbc day to day banking swift banque royale du canada RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. S dollar deposit account, limited to the U. S. Personal Account, with the monthly fees waived. Applies to RBC Day to Day Banking account only. Limit one rebate per client. Some conditions & exceptions may apply. Proof of any Registered Disability Savings Plan open in your name or for your benefit is required before the rebate will be applied to the banking account fee. Any fees paid before eligibility has been confirmed will not be refunded. Automatically exchange and instantly transfer money for free 1 between your RBC Bank U. S. and RBC Royal Bank ™ Canadian accounts Easily access your money through online or telephone banking Call 1-800-769-2553 to open an account RBC Royal Bank offers four regular chequing accounts with monthly fees ranging from between $4 and $30. The monthly fee for RBC’s accounts can be reduced if you have multiple products (a credit card, for example) with the bank. All accounts come with an unlimited number of free Interac e-Transfers. CIBC offers three accounts with fees of $3.90 to $28.95 a month. With a CIBC chequing account (not CIBC checking account), the fee can be waived on the Everyday Chequing and Smart accounts if you carry a minimum balance. For the Smart account, you need to also have two pre-authorized monthly payments or a recurring direct deposit for the fee to be waived. There’s a fee to send Interac e-Transfers if you have the Everyday Chequing account. But for the Smart account, every e-Transfer counts as a transaction when calculating the monthly fee. The most expensive accounts also come with the most features. If you have the RBC VIP Banking account, the annual fee is waived on a number of RBC cards, including the RBC Visa Infinite Avion and the West Jet RBC World Elite Master Card. And the annual fee is waived on a few CIBC cards—such as the CIBC Aerogold Visa Infinite card and the CIBC Aventura Visa Infinite card—if you have the CIBC Premier Service account. There’s also no fee to send Interac e-Transfers with either account. RBC student chequing accounts RBC doesn’t offer specific accounts for seniors but it does offer discounts on all of its regular chequing accounts. The fee is waived on the RBC No Limit Banking account if you’re a senior and you have both an active investment account and an active credit card. CIBC does have an account specifically for seniors, the 60 Plus Advantage account, which has no annual fee and unlimited transactions but it costs $1.50 for each Interac e-Transfer. RBC has two different accounts, the RBC Student Banking and the RBC No Limit Banking for Students accounts. The RBC Student Banking account has no annual fee and comes with 25 free debit transactions a month while the RBC No Limit Banking for Students account has a monthly fee of $10.95 and comes with an unlimited number of debit transactions. You also get free Interac e-Transfers and an annual credit card rebate of up to $39. CIBC offers just one account, the Advantage for Students account, which has no annual fee and an unlimited number of transactions. However, there’s a fee to send Interac e-Transfers. The bottom line RBC and CIBC have a large number of chequing accounts (not checking accounts) to choose from. If you know what features you want, a chequing account comparison tool can help you find the account that suits your needs.