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You can easily lock and unlock your card through RBC Online Banking or the RBC Mobile app by selecting the card you want to lock and switching the toggle for Lock Card. Learn more about credit card lock and we’ll be happy to help you. Provided you’ve take reasonable precautions to protect your PIN and your card, you’re covered for any fraudulent charges both online and in-store. For more information, view the Zero Liability policies by Visa and Mastercard. Credit cards are important for things like making hotel reservations, car rentals, or online purchases. They’re convenient and secure, and help give you the freedom to manage your finances, cover unexpected emergencies and also take advantage of rewards and special insurances. They’re also an easy way to establish a credit history! Use our credit card selector to find a card that's right for you and apply online in just a few easy steps. Some of our cards offer more benefits with an annual fee, while others have no annual fee at all. Browse our no annual fee cards or use our card selector to help narrow down the benefits that are most important to you. If you collect RBC Rewards points, you can easily redeem them for travel, merchandise, gift cards and more at If you earn West Jet dollars, Avios or Asia Miles, you can redeem directly with the airline loyalty program connected to your card. RBC is committed to helping business clients access the government’s Canada Emergency Business Account (CEBA). Eligibility is based on criteria established by the Government of Canada and this has recently been updated. Please log into RBC Online Banking for Business to enroll. If you believe you are eligible but have not received a link, please call our dedicated CEBA support line at To enroll for CEBA, log into your RBC Online Banking for Business. If you are not registered for online banking, click here to enroll in RBC Online Banking for Business. If you are an RBC Express client, please contact your RBC Account Manager for separate instructions to enroll for CEBA. To be eligible for CEBA, you must meet the Government of Canada’s requirements outlined in Q6 of the FAQ below. As part of this, you if you have employees, and thus, the required payroll information to be eligible for the program. *UPDATED* The Government of Canada has updated the eligibility criteria related to employer payroll requirements. The criteria for an organization’s total employment income paid in the 2019 calendar year is now between $20,000 and $1,500,000 CAD. If your business was not previously eligible under the former payroll criteria ($50,000 to $1,000,000), please log into your RBC Online Banking for Business to re-submit your enrollment form. Please see below for the full CEBA FAQ, including further details about the CEBA eligibility criteria in Q6. provides eligible employers that have experienced an eligible reduction in revenue to receive a subsidy of 75% of employee wages for up to 12 weeks, retroactive from March 15, 2020, to June 6, 2020. For detailed information about the program, eligibility, and how to apply, refer to the Government of Canada’s site. You should also enroll for CRA Direct Deposit by logging into your RBC Online Banking for Business or RBC Express platform. CRA Direct Deposit is a quick, safe and secure way to receive eligible amounts to be paid to you by the Canada Revenue Agency (CRA) such as CEWS, should you be eligible for this program. If you are eligible and expecting a CRA payment of more than $25 million, click here for details on how to receive your payment thought the Large Value Transfer System. The BDC Co-Lending program is designed to support Canadian businesses of all sizes that have been negatively impacted by COVID-19. IMPORTANT: Please note that enrolling for CRA Direct Deposit through your RBC Online Banking for Business or RBC Express does not register you for the Government’s CEWS. Eligible applicants can access funding up to $6.25 million CAD (maximum loan amounts dependent on business size) to cover operating expenses (such as rent, payroll and other operating expenses) and working capital needs. For more program details, please read the FAQ below. The Government of Canada announced the availability of the Export Development Canada (EDC) BCAP Guarantee help Canadian businesses with impacted by COVID-19. Eligible applicants can access up to $6.25 million CAD in short-term liquidity to cover expenses which are critical to business continuity such as rent, payroll and other operational costs. For more program details, please read the FAQ below. RBC is also offering a number of relief solutions for business clients affected by COVID-19. We are assessing the needs of businesses on a case-by-case basis to provide relief solutions that are tailored to their circumstances. Relief support may include: For immediate financial relief: Our call centres are experiencing extremely high call volumes. For clients enrolled in RBC Royal Bank Online Banking immediate access to request financial relief is available, please use our self-serve options found in RBC Royal Bank Online Banking. Detailed instructions are below: You can use this form to request us to temporarily waive the requirement for you to make the minimum payment on your credit cards for up to two months (deferring your payment). This will provide some short-term financial relief to you during the COVID-19 situation. Interest charges will continue to accrue at your current annual interest rates during the relief period and will continue to be added to your outstanding balance at the end of each billing cycle. This means your outstanding balance on your credit card will increase during that period. Please note that during the relief period you always have the option to make one or more payments toward your outstanding balance. Please also note that interest will not be charged on the accrued interest. To further help your business during this difficult time, if your business is receiving minimum payment deferrals, RBC will reimburse 50% of the interest charged to the account(s) during the relief period. This credit(s) will be displayed on upcoming statement(s). If you chose Balance Protector on your credit card, you may be covered due to loss of income. Please contact the insurer, Assurant Solutions directly at , or visit Please note that Balance Protector premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on Balance Protector premiums. Reimbursement for Credit Card Interest Charges: Effective April 6, 2020, RBC will provide business and commercial card clients receiving minimum payment deferrals with a credit to their credit card account(s) to reimburse them for 50% of the interest charged to their account(s) during the period they are receiving the deferrals. For longer term relief (Up to 6 months): Should you require additional financial relief beyond two months, please use our to schedule a time to speak with one of our advisors by phone. This credit will be displayed on upcoming credit card statement(s). Putting the health and safety of our clients and employees first, RBC announced plans to temporarily close select branches nationally. We ask that you check the branch locator for the most current information. Through RBC's partnership with Wello – a leading Canadian virtual healthcare company – we are making it easier for you to provide important COVID-19 screening information, timely access to physicians and nurse practitioners for health advice, and resources to support general health needs, including prescriptions, diagnostic and specialist referrals. Wello can support your employees' physical and mental health needs, wherever they are. If you are an RBC business client, you can access more information about Wello by signing in to RBC Online Banking and from the top of your We remain committed to ensuring that your business needs are met. While select branches are closed, our advisors and solutions remain available to you across a variety of channels. Given the current situation, we are experiencing extremely high call volumes. As always, the RBC Mobile App and RBC Online Business Banking solutions are safe, easy-to-use and available 24/7. You can: to support Canadian businesses that have been adversely affected by COVID-19. Eligible businesses will receive a $40,000 line of credit loan for immediate financial support to cover short term operating expenses, payroll and other non-deferrable expenses which are critical to sustain business continuity. Your business HST number does not satisfy the Government of Canada’s required CEBA criteria. To enroll in CEBA, you must provide the 15-digit CRA account number which is found on your organization’s 2019 T4 Summary of Remuneration Paid statement. If you do not have employees, you are not eligible for CEBA. Businesses must enroll for the Canada Emergency Business Account at their primary financial institution where they have an existing business banking account and cannot apply at more than one financial institution. Doing so may result in legal prosecution by the federal government. Only one person from the organization can agree to the legal documents in the online enrollment process for the Canada Emergency Business Account. The person enrolling your organization must have the legal authority to attest on behalf of the organization and legally bind the organization to the terms of the Canada Emergency Business Account loan agreement. For example, if more than one person is normally required to sign legal documents for your organization, whether under your internal requirements or your agreement with RBC, your organization has to ensure the proper documentation, like a resolution to waive the requirement for multiple signatories for the purpose of enrolling the organization in the Canada Emergency Business Account, is made to legally permit a designated person to enroll and sign on behalf of the organization. If the other usual signatories for your organization agree, then the designated person can go ahead and enroll. The Canada Emergency Business Account is only available to business clients who have been a registered operation on or before March 1, 2020 with an RBC business operating account. The government has announced additional relief measures to support sole proprietors. Further information is available at the Government of Canada’s COVID-19 Economic Response Plan site. The CEBA at RBC is automatically funded with a $40,000 line of credit until December 31, 2020. Clients may choose to utilize the full amount or less. After December 31, 2020, any outstanding balance on the revolving $40,000 line of credit will be converted into a non-revolving 5-year term loan maturing on December 31, 2025, at which time the balance must be paid in full. If you require more than $40,000 offered by CEBA, please speak with your RBC Account Manager or Advice Centre to explore other RBC solutions to support your additional financing needs. Details on additional government initiatives to support businesses, including the Business Development Bank of Canada (BDC) Co-Lending Facility and the Export Development Canada (EDC) Business Credit Availability Program will also be available in the coming weeks. be completed online by logging into RBC Online Banking for Business. If you are not registered for online banking, click here to enroll in RBC Online Banking for Business. Please note that while our RBC Account Managers and Advice Centre advisors are available to help answer your questions about CEBA, they are not authorized to fulfill enrollment requests. Once you’ve submitted your enrollment request, it will be reviewed by RBC and the Government of Canada. If you qualify for CEBA, the funds will appear on your RBC Online Banking for Business or RBC Express profile within 5 business days. You will not be able to update your information during the enrollment process. Before you start enrolling, you can update your contact details through your RBC Online Banking for Business profile. If you are not registered for online banking, click here to sign up for RBC Online Banking for Business. The funds will appear on your RBC Online Banking for Business or RBC Express profile within 5 business days of your submission. Please ensure that your email and contact details are up to date on your RBC Online Banking for Business or RBC Express profile. No, there are no cash advance fees to transfer your CEBA funds into your RBC Business Deposit Account. However, we are aware of a technical issue where some clients may receive a message during the transfer process stating that a cash advance fee will be applied. Please note that no fee has been or will be applied to your CEBA fund transfer, regardless of whether you see this message. There are a number of other relief measures that are being provided by the Government of Canada through its Canada’s COVID-19 Economic Response Plan to support individuals and businesses. Additional government relief measures offered through the can be found here. Further details on eligibility and enrollment details are forthcoming. RBC is also offering a number of relief solutions for business clients affected by COVID-19. We are assessing the needs of businesses on a case-by-case basis to provide relief solutions that are tailored to their circumstances. Relief support may include: The federal government announced other relief measures through Business Development Bank of Canada (BDC) and Export Development Canada (EDC). When will those be available and how can I apply for them? If you require more than $40,000 offered by CEBA, please speak with your RBC Account Manager or Advice Centre to explore other RBC solutions to support your additional financing needs. Details on additional government initiatives to support businesses, including the Business Development Bank of Canada (BDC) Co-Lending Facility and the Export Development Canada (EDC) Business Credit Availability Program will also be available in the coming weeks. If you are not registered for online banking, click here to enroll in RBC Online Banking for Business. If you are an RBC Express client, please contact your RBC Account Manager for separate instructions to enroll for CEBA. You may start repaying the loan in part or in full at any time without penalty. No principal repayments are required until December 31, 2025. Monthly interest only payments are required on the last day of the month commencing January 2023. The entire loan and all accrued and unpaid interest is due and payable on December 31, 2025. If you pay 75% of the balance of the term loan (as at January 1, 2021), on or before December 31, 2022, the remaining balance of your term loan will be forgiven. For example, if your balance is $40,000 on January 1, 2021 and you repay $30,000 on or before December 31, 2022, the remaining $10,000 will be forgiven. The Canada Emergency Wage Subsidy (CEWS) provides a 75% wage subsidy to eligible employers for up to 12 weeks, retroactive to March 15, 2020. The CEWS aims to prevent further job losses, encourages employers to re-hire workers previously laid off as a result of COVID-19, and helps to enable businesses to resume and sustain normal operations following the crisis. You can find more detailed information about the Government of Canada’s CEWS Program, eligibility criteria, and how to apply on the Government of Canada’s site. Important note: When enrolling for CRA Direct Deposit, please have your CRA Business Number (BN), including your CRA Program Account Identifier for payroll ready. You will need to enter this as part of the CRA Direct Deposit enrollment process. Click here for more information on the BN and CRA Program Account Identifier. acting as an administrator or facilitator of this program. Please note that enrolling for CRA Direct Deposit through your RBC Online Banking for Business or RBC Express does not register you for the Government’s CEWS. The CRA Direct Deposit enrollment feature being offered by RBC is only for the purposes of helping business clients enroll to receive direct deposits from CRA for amounts (such as CEWS) to be paid to the client by CRA. If your application is approved by CRA, and you are enrolled to receive direct deposits from CRA, your funds should be available in your RBC business deposit account within 24 to 48 hours from the fund disbursement date provided by CRA. The EDC Business Credit Availability Program (BCAP) Guarantee is an EDC-guaranteed business loan to help Canadian businesses impacted by COVID-19. Eligible applicants can access up to $6.25 million CAD in short-term liquidity to cover expenses which are critical to business continuity such as rent, payroll and other operational costs. The EDC Program features: The Government of Canada announced the availability of the Business Development of Canada (BDC) Co-Lending program supporting Canadian businesses of all sizes that have been negatively impacted by COVID-19. Eligible applicants can access up to $6.25 million CAD (max. loan amounts dependent on business size) in loans to cover operating expenses such as rent and payroll, and working capital needs such as inventory. RBC business clients should speak with their RBC Account Manager to learn more about the application process and eligibility criteria. RBC business clients who do not have a dedicated RBC Account Manager can click here to receive a call back from RBC. Clients that have applied for the CEBA program and/or the EDC BCAP Program may also apply for the BDC Co-Lending Program. Your RBC Advisor can help you determine which solutions are suited for your financial needs. RBC is also offering a number of relief solutions for business clients affected by COVID-19. We are assessing the needs of businesses on a case-by-case basis to provide relief solutions that are tailored to their circumstances. Relief support may include: You can quickly and easily request us to temporarily waive the requirement that you pay your minimum payment on your credit card for up to two months, by using our new online webform. The webform is available through RBC Royal Bank Online Banking. Should you require additional financial relief, beyond the first two months, please contact an advisor for additional deferrals up to a total of six months. The COVID-19 outbreak has caused an increased demand for financial relief. As a result, our people and our systems are working as quickly as possible. We will notify you within 5–10 business days to let you know if your request was accepted. Please check your Message Centre in RBC Royal Bank Online Banking for updates. During the deferral period, you will continue to accrue interest charges at your current annual interest rates and we will add those charges to your outstanding balance. This will increase the outstanding balance on your credit card at the end of the deferral period. To further help your business during this difficult time, if you are receiving a minimum payment deferral, credits will be applied to the credit card account to reimburse your business for 50% of the interest charged to your account during the relief period. These credit(s) will be displayed on upcoming statement(s). After the relief period your business will no longer be eligible to receive credits to the account for your interest charged. Our priority is the safety and wellbeing of our employees and our clients. We continue to work closely with international and local public health authorities to monitor the situation regarding the Coronavirus. Our branches and offices have incorporated added precautionary measures including enhanced hygiene protocols. We will continue to follow the guidance of local and international health authorities to make informed decisions. Our priority is the safety and wellbeing of our employees and our clients. We have increased frequency of cleaning, with daily disinfection of our retail branches and ATMs, and will continue to improve as we need to. In the event of a branch closure, a notice will be posted on the branch door. To find the next closest location, simply visit maps. Our Branch locator will also have updated information on whether your branch is open or closed. RBC has committed an initial $2-million in support of COVID-19 community response efforts. As a first step, RBC will be donating funds to respond to community needs in Canada, the U. and globally to charitable partners including Food Banks Canada; Feeding America and The World Health Organization’s Covid-19 Solidarity Response Fund. Rbc bank promotions banqu royale RBC Bank calls itself a cross-border bank, providing financial services for customers in Canada and the U. S. A recent GOBankingRates survey found that many Americans choose a bank based on location and convenience, missing out on lucrative cash bonus offers other banks may advertise. RBC Bank Account Promotion. RBC is offering to give new customers the latest Apple AirPods worth $219 when they open one of three RBC all-inclusive accounts. The accounts eligible for the offer are RBC No Limit Banking $10.95 monthly fee RBC Signature No Limit Banking $15.95 monthly fee, or; RBC VIP Banking $30 monthly fee I remember a few years ago I needed a new tablet for school (specifically an i Pad) but didn’t want to pay for one. I remember that the Canadian big five banks usually did a promotion where they gave away a new tablet for signing up with their bank and paying a banking fee per month and then you will get the new i Pad for free. I was interested in the Canadian Bank Account Promos. At the time, I looked into it in more detail and decided that it wasn’t worth it (there wasn’t an option to waive the banking fee with a certain deposit threshold…so basically it was like paying for the i Pad on a monthly basis). The barriers were too high for me to change my bank for the tablet. In fact, when I accidentally go under my minimum threshold and a bank fee gets triggered, I call the customer service rep and ask for it to be reversed. How many hoops will you jump through for free cash or an i Pad and how loyal are you to your big bank? via GIPHY Recently we signed up for a new joint account and were told about a welcome offer promotion to get $300 in cash. Then I got a letter in a mail encouraging me to switch to RBC for my daily banking needs and I will get a 9.7″ i Pad. a few days later, I saw a big ad in front of BMO declaring that they will offer new banking customers $350 in cash. I came to the conclusion that they must all be competing against each other for new banking customers! Here are some of the Canadian bank account promos available and their caveats! My sisters each got a new Samsung flat screen television last year (or a few years ago? I’m not sure how often they come around (as I never really noticed before) but I believe they are at least annually. You can’t ‘churn’ these accounts, unlike travel hacking. If you opened up an account and closed it recently, you may not be eligible for the offers- check with the bank that you are interested in opening an account with. The HSBC $700 cash offer is expired but they have a $700 offer for Newcomers which is still current Looks like Scotiabank is joining in on the action! They also recently rebranded all their chequing account packages and names. Tangerine Bank is also getting in on the new bank account promotion action. They have always offered $50 to $100 for depositing around $150 into a new account, but now they are offering $200 cash for their no-fee chequing account. More information on this Tangerine Bank chequing promo can be found here. Use the promo code -they call this an Orange Key- FREE when signing up for a new account. Here’s my review of the Tangerine Bank savings account which can be used in tandem with the chequing account (this is what I do). Right now you can earn 2.75%* interest for 5 months in this savings account if you are a new client. While you’re at it, you can earn $250 with their Tangerine Money Back Credit Card too, if you spend $5000 within the first three months. As you can see, they are all offering some big wins (at least $300 in cash) but upon closer inspection, they have to get your prize. Some of them seem great but you find out that the negatives outweigh the positives (for example, no waiver of bank fees) or that the ‘ask’ is too much of an ask (I’m sorry, arranging direct deposit away from my regular bank is too annoying). I am loyal to my main bank (have been since I was a high school student) but sometimes these bank promos are too good to resist- so I add to my chequing and savings account hoarding. I doubt this is an exhaustive list of all the Canadian bank account promos available this year, but these are some of the big ones that I have noticed recently. Canadian financial tool I’ve been using since 2017 to manage my net worth and track my investment return is Wealthica. Each month I check and track my dividend income to make sure my passive income keeps on coming. My favourite Canadian high interest savings account that pays Finally, my favourite discount investment brokerage is Questrade. Here is $50 in free trades to get you started for readers. Commissions are normally $4.95 (the lowest in Canada) and it is free (zero commissions charged) to purchase ETFs. Be sure to sign up for e Statements through Online Banking. Receiving your statements electronically is an environmentally-friendly way to save money while securely and easily accessing your transaction history on the go.


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. Here are some of the promotions and bonuses currently being offered by banks in Canada. Whether it’s a chequing or savings account, or even credit cards and investments, customers can score ‘free’ cash when they open a new bank account. I have to include a word of caution here though: when it comes to getting free money from a bank, particularly the big banks, read the fine print. Unlike credit card churning where you can often just cancel your card, divorcing your bank and moving your chequing elsewhere may not be as easy. Depending on the T&C’s, you may need to pay them back your bonus if you have not met all the conditions in the contract you signed. In addition, also check that any fees associated with your account are worth your while. Check out the banks and digital investment services offering a bonus when you open a new account. For more details about the terms and conditions of each offer, visit the bank’s website. These offers usually get extended or repeated throughout the year. So, if you are interested and the offer dates have expired, monitor their website for the most current offering. Related: The Best High-Interest Savings Accounts in Canada RBC is offering to give new customers the latest Apple Air Pods (worth $219) when they open one of three RBC all-inclusive accounts. The accounts eligible for the offer are: To qualify for the Apple Air Pods and charging case offer, you cannot have an existing RBC bank account and must open one of the qualifying accounts by April 30, 2020. Also, you will need to set up two of the following: i) a payroll direct deposit, ii) two pre-authorized monthly payments, or iii) two bill payments to a service provider, by June 30, 2020. Value of promo: $219Caveats: Obviously, these accounts come with some added perks for the monthly fees. However, if you are looking to pay $0 per month for a bank account, these accounts do not qualify. Also, you will need to keep your account in good standing for at least one year. Read more here.*Offer Expired* Get $300 when you open a TD Unlimited Chequing Account or TD All-Inclusive Banking Plan. To qualify, your account must be opened by October 31, 2019, and you must complete any two of the following by Value of promo: $300Caveats: The TD unlimited chequing has a monthly fee of $15.95 while the TD all-inclusive plan comes with a $29.95 monthly fee. Related: EQ Bank: The Best Savings Account in Canada? Tangerine Bank routinely offers bonuses when you open a new chequing or savings account. Unlike the big banks, Tangerine savings and chequing accounts do not have a monthly fee and they pay you interest on your chequing account balance! High-Interest Savings Account: Get a 2.80% promotional rate for 5 months. You can also score an additional $50 in cash if you sign up with an eligible Tangerine Orange Key Code and deposit at least $250. Chequing: They offer up to $200 in cash bonuses when you open a new chequing account and: Read my Tangerine review here. Value of promo: 2.80% on savings for 5 months and up to a $200 bonus. Caveats: Tangerine Bank is mostly an online-only bank and may not be an option if you prefer an in-person visit to a branch for all your transactions. BMO is offering a $300 cash bonus when you open a new chequing account (performance plan – $300 or premium plan – $300) by May 31, 2020. To qualify, you must make a deposit, set up a direct deposit and complete an online bill payment for two consecutive months (minimum $50 each). Value of promo: $300Caveats: A BMO performance plan chequing account comes with a $15.95 monthly fee and for the premium plan, it is $30. These fees are waived if you meet the minimum balance requirement. Similar to Tangerine, Simplii Financial is an online-only bank owned by CIBC and offers no-fee chequing and a high-interest savings account. They routinely offer promos on their chequing account and it pays interest. Chequing Account: Earn up to $200 when you open a new chequing account. To qualify: Read my Simplii Financial review and check out the fine print for the offer. HSBC will pay you up to $700 when you open an HSBC chequing account and meet all the requirements. To qualify for the maximum $700, you will need to: Value of promo: Up to $700 (*expired*)Caveats: There are many moving parts to this promo offer. For example, Instead of an HSBC premier chequing account, you can choose to open an HSBC advance or performance chequing account with minimum balances of $5,000 and $1,000 respectively. In this case, instead of a $500 bonus, you receive $300 or $100 respectively. Also, if you are looking for a no-fee chequing account, you are going to be disappointed. There are options to waive the monthly fees if you meet the minimum combined deposit and investment balance requirements. Read more here.**While the regular offer is not currently running, HSBC is offering Newcomers to Canada up to $700 when they open a new account and meet the eligibility requirements.**Related: The Best No-Fee Cash Back Credit Cards in Canada Open a new CIBC Smart Account and get a waiver on the monthly fee for up to 12 months. To qualify for the offer: Following the 12-month promotional period, a monthly fee of up to $14.95 applies if your daily balance falls below $3,000. Value of promo: Save $179.40 ($14.95 x 12 months) in fees plus a $300 cash bonus. Caveat: This is not a no-fee account and you will need to keep a minimum balance plus set up direct deposit or two pre-authorized debits every month to keep it fee-free after the first year. Digital investment managers offer opportunities to invest your money at a lower fee and without any of the hassles of self-directed investing. Compared to the management expense ratios (MER) charged by the mutual funds sold by the big banks (average of 2.23% for equity funds), robo-advisor fees are significantly lower (~ 0.70% including fund MERs). Wealthsimple is Canada’s largest online investment service with more than $5 billion in assets under management. They give you free financial advice, automated rebalancing, dividend re-investing, spare change investing, low fees, VIP perks and more. You can also earn 2.40% in their high-interest savings account. Questrade is Canada’s largest online discount brokerage. If you prefer to buy and sell the stocks, ETFs, mutual funds, bonds, etc. that make up your portfolio yourself, Questrade is worth checking out. They also offer a robo-advisor service, Questwealth Portfolios. Other robo-advisors with special promotional offers for my readers are: Wealth Bar is one of Canada’s best robo-advisors. You can invest up to $15,000 free for one year using our link. Here are some of the ongoing credit cared offers we are currently digging:1. Tangerine No-Fee Cash Back Card: This card has $0 annual fees and you earn unlimited 2% cash back on purchases in up to three categories. Tangerine World Mastercard: , mobile device insurance, Mastercard Airport Experiences (complimentary membership) and $0 annual fees. Scotiabank Gold American Express Card: Get 20,000 bonus points ($200 value) until July 1, 2020. Check out my review of the card and why it’s one of the best travel rewards cards on the market.2. Scotiabank Passport Visa Infinite Card: Get 40,000 bonus points ($400 value) until July 1, 2020. The annual fee is $139 and foreign transaction fees (2.5%) are waived. PC Financial Mastercards: Great no-fee cards for earning PC Optimum points and free groceries – up to 4.5% cash back! Read my review of all three PC Financial cards here.1. TD First Class Travel Visa Infinite: Premium travel credit card. Get up to 65,000 bonus points and the annual fee of $120 is waived in the first year.2. TD Cash Back Visa Infinite: 6% cash back on your first $2,000 spending ($120 value) and a $120 annual fee that is waived in the first year.1. BMO Cash Back World Elite Mastercard: Get 5% cash back in the first 3 months ($100 value). BMO World Elite Mastercard: Get 35,000 points (worth $250 in travel) until October 31, 2020, when you spend a minimum of $3,000 in your first 3 months. Rbc bank promotions la rbc 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. Additional conditions apply. For full details including defined terms, visit com. Please agree I agree that RBC Bank ** may contact me about offers, promotions and information about its products and services, including RBC Bank mortgages. I may withdraw my consent at any time by unsubscribing to any such message. RBC Bank calls itself a cross-border bank, providing financial services for customers in Canada and the U. S. A recent GOBankingRates survey found that many Americans choose a bank based on location and convenience, missing out on lucrative cash bonus offers other banks may advertise. Must have a balance of $15,000 a month in this and/or any linked Chase accounts or have automatic payments for your linked Chase mortgage account to waive the $25 monthly service fee. This account is not available in every state, so be sure to check. Additionally, there’s no minimum to open an account, but you must maintain a minimum daily balance of $2,500 to avoid the $25 monthly maintenance fee. This account is not available in every state, so be sure to check. There’s no minimum balance requirement to open an account, but you should maintain a $100 minimum daily balance to avoid the $15 monthly maintenance fee. The offer is available in Dallas, Denver, Houston, Miami, Orlando, Phoenix, Seattle and Washington, D. The offer is only valid when you open an account online. If you don’t qualify for the Everyday Checking account but you Open a new account online with a minimum deposit of $100. Within the first 15 days, you must fund your account with $25,000 to $49,999 to earn a $150 bonus or $50,000 or more to earn a $300 bonus. You must maintain that minimum balance requirement for 90 calendar days after the 15-day funding period. You can earn the final $50 for a total bonus of $150 by earning a $1 bonus for each debit card transaction over $5 when using your new UNIFY Visa Debit Card within the first 60 days of opening the account; the debit card bonus maxes out at $50., using the promo code provided above. Choose from Bank of America Advantage Safe Balance Banking, Bank of America Advantage Plus Banking and Bank of America Relationship Banking. Each one requires different opening deposits but offers that same $100 bonus. But maybe you’re interested in banking with your local credit union, opening up a small business checking account or finding the perfect investment account? There are often bonus offers attached to these account openings, too. If you’re worried that opening a new bank account or closing an old one will hurt your credit score, don’t be. Your bank accounts are not included in your credit report and therefore have no effect on your score, unless you have an outstanding negative balance that the bank turns over to a collection agency. Checking offer is not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. To receive the $150 checking bonus: 1) Open a new Chase Total Checking account, which is subject to approval; 2) Deposit $25 or more at account opening; AND 3) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we’ll deposit the bonus in your new account within 10 business days. You can only receive one new checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT. Editorial Disclosure: This content is not provided by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.