www.rbcbank.com
Cross-border Banking
Banking with Us
Alain Forget,
VP Head of Sales &
Business Development
May 2014
1
www.rbcbank.com
About RBC Bank
U.S. banking subsidiary of Royal Bank of Canada
Nationwide coverage
Premier provider of U.S. banking services for RBC consumer clients
 Existing RBC Royal Bank® clients
 Canadian Expatriates
 Retirees & seasonal visitors
 RBC Wealth Management clients
 Soon for Business Banking clients
Integrated cross-border banking package
 RBC Access USA®
190,000+ clients
Leader in the cross border banking & financing space for 10 years
Dedicated, bilingual client service center 24/7
Banking with Us
2
www.rbcbank.com
We Bring the Bank to You
Transfer Money
Get Cash
Pay Bills
Manage Accounts
Make Deposits
Banking with Us
3
www.rbcbank.com
Transfer Money
24/7/365 funds transfer options
 Online Banking
(RBC Bank® with single sign-on access)
– Between RBC Canadian and U.S. accounts
– Between RBC Bank accounts and other
U.S.-based financial institutions
 Telephone Banking
– 1-800 ROYAL® 5-3 (1-800-769-2553)
 Wire Transfer
– Domestic
– International
– Foreign Exchange
Banking with Us
4
www.rbcbank.com
Pay Bills
Online or ‘old-school’ paying bills in
the U.S. is easy
 Online Banking & Bill Pay
–
–
–
–
One time or recurring payments
Scheduling up to a year in advance
Manage payments, e-billers & reminders
Use the single sign-on to access and pay
Canadian bills!
 Paper Checks
– via U.S. Mail
Banking with Us
5
www.rbcbank.com
Manage Accounts
Two countries, multiple accounts and a
world of information right at your fingertips!
Online Banking
& Bill Pay


eStatements
Single sign-on
Telephone & E-mail
Customer Service



12-month history (balances,
transactions & check images)






Cross-border & U.S. funds
transfers


Check orders
24/7 live support
Voice response & touch tone
Bilingual Customer Service
Representatives
Multilingual translation services
Secure e-mail correspondence
Stop payments
Financial software download
Overdraft protection account
links
Banking with Us
6
www.rbcbank.com
Make Deposits
U.S. Remote Deposit
Online Banking
Use your scanner to
scan your deposits
And transmit to the bank
Wire Transfers
Direct Deposit
U.S. Mail
Use your smart phone to
photograph your deposits
And transmit to the bank
Banking with Us
7
www.rbcbank.com
Make Deposits
U.S. Remote Deposit
Online Banking
Use Online Banking to make
electronic deposits using funds
from your Royal Bank accounts,
Wire Transfers
Direct Deposit
U.S. Mail
other RBC Bank accounts,
or those held with any other
U.S.-based financial institution.
Banking with Us
8
www.rbcbank.com
Make Deposits
U.S. Remote Deposit
Online Banking
Wire Transfers
Make or accept deposits
from all over the world!
Direct Deposit
U.S. Mail
RBC Bank offers domestic,
international and foreign exchange
wire transfer options.
Banking with Us
9
www.rbcbank.com
Make Deposits
U.S. Remote Deposit
Online Banking
Wire Transfers
Use automatic deposit for your
paycheck or other regular payments
issued to you.
Direct Deposit
U.S. Mail
Banking with Us 10
www.rbcbank.com
Make Deposits
U.S. Remote Deposit
Online Banking
Wire Transfers
Send checks and paper-based
deposits (no cash) directly to
RBC Bank using pre-addressed,
postage-paid envelopes.
Direct Deposit
U.S. Mail
Banking with Us 11
www.rbcbank.com
Obtain Financing
Credit Cards
Personal Lines of
Credit
Mortgages
RBC Bank offers three Visa Credit Cards:
The no-fee RBC Bank Visa Signature earns 1 RBC Rewards point for
every dollar spent on purchases.
The RBC Bank Visa Signature Plus earns 1.5 RBC Rewards point for
every dollar spent on purchases.
The no-fee RBC Platinum Rewards Visa earns 1 RBC Rewards point
for every dollar spent on purchases
All loans subject to credit approval. The annual fee for RBC Rewards Plus for Visa Platinum card is $55.
Banking with Us 12
www.rbcbank.com
Obtain Financing
Credit Cards
Personal Lines of
Credit
Protect against overdrafts or access extra
cash when needed
Mortgages
Banking with Us 13
www.rbcbank.com
Obtain Financing
Credit Cards
Purchase or refinance property anywhere in the U.S.
Personal Lines of
Credit
 Adjustable rate loans
Mortgages
 Rate & term financing
 Competitive pricing
 Jumbo programs
 Cash out refinancing
 Non-recourse loans
All loans subject to credit approval.
Banking with Us 14
Mortgage Process
www.rbcbank.com
Banking with Us 15
www.rbcbank.com
Questions?
Thank you for attending!
<Insert photo
here>
Contact:
Janine Terracciano
Sr. Relationship Manager
Janine.Terracciano@rbc.com
561-691-5324 or 561-876-9786
Member FDIC.
® / TM Trademarks of Royal Bank of Canada. Used under license. RBC Bank is a trade name used by RBC Bank (Georgia), N.A.
† PNC Bank, National Association, Member FDIC. © 2012 The PNC Financial Services Group, Inc. All rights reserved. For a list of PNC
Bank ATM locations, please visit www.rbcbank.com.
© RBC Bank (Georgia), N.A. 2012.
Banking with Us 16