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Register for CRA Direct Deposit through RBC as a way to receive the Canada Emergency Response Benefit (CERB) faster!

Many Canadians are applying for financial relief through the Canada Emergency Response Benefit (CERB). To access your money faster, we encourage you to sign up for direct deposit from the Canada Revenue Agency. Please note that registering for CRA Direct Deposit does not register you for the CERB. You’ll need to apply for the CERB directly through the CRA website.

Find out more about how to set up CRA Direct Deposit in RBC Online Banking or the RBC Mobile app.

RBC Reimburses 50% of Credit Card Interest for Clients Facing Hardship Due to COVID-19

To further help clients during this difficult time, RBC will be providing clients with a credit to their account(s) to reimburse them for 50% of the interest charged on their accounts during their relief period. Upon completion of a financial review by an RBC advisor, clients will be eligible for this credit to reimburse them for 50% of interest charged to their account(s) during the relief period.

Eligible personal and business credit card clients already receiving minimum payment deferrals will be reimbursed for 50% of interest charged during the relief period. This credit will be displayed on the client’s upcoming statement(s).

Help a Senior

To support seniors, and others who require special attention, we’re providing them with front of the line access at open branches so they can be served first if their transaction requires them to visit a branch. Thank you for your cooperation. Let’s all do our part to help keep our community and each other safe and healthy.

Sign Up For Electronic Statements

As we continue to navigate and monitor the COVID-19 outbreak, we want to ensure you continue to have access to your financial statements without delay from RBC. For Online Banking and Mobile clients, you can view some of your statements electronically, as they are already there for you. Or you can also choose to go paperless by “turning off” your paper, and this way, you’ll have access to all of your electronic statements and will be notified by email as soon as a new document is available. Log into Online Banking to access your eStatements. If you don’t have access to Online Banking yet, enrolling is simple and quick.

To access your documents electronically through Online Banking:

  • 1. On the home screen of Online Banking, choose “Statements/Documents”
  • 2. Choose “Manage Document” to turn off Paper
  • 3. Choose “View eDocuments” to see all your existing statements

To access your documents electronically through the Mobile App:

  • 1. Tap “More” in the Navigation Bar
  • 2. Under “Services”, tap “Statements”
  • 3. Select an account to view your statement.

See what it's like to view your account statements in the RBC Mobile app.

RBC Client Relief Program

In times of crisis, it’s important to come together as a community to support one another. RBC wants to provide you the support you need, and that includes immediate and long term relief for clients facing challenging circumstances. The RBC Client Relief Program includes:

Payment Deferrals

Deferral payments for Canadians in need of immediate cash-flow, including up to six month deferral for:

  • Mortgages
  • Credit cards
  • Installment loans
  • Auto loans
  • Self-serve options for instant relief
  • Fee waivers including stop payment and ATM statement fees

Hardship Relief

To support clients facing additional pressure from illness, lost employment or unique family circumstances, clients are encouraged to book a call with an advisor for additional relief measures including:

  • Reduced credit card interest
  • Refinancing or credit restructuring
  • Personalized support

Business Client Support

For business owners in need, providing customized advice to relieve financial pressures and disruption including:

  • Temporary increase to operating line limits
  • Ability to convert term debt to interest only for up to six months
  • Fee waivers for enrollment in electronic payment solutions

Read a message to our clients.

More details can be found on this page below.

Financial Relief for Personal Clients

Immediate financial relief

To request one or two months relief, select the loan product below and follow the instructions provided

Longer term relief

Up to six months of payment relief may be accessible through the RBC’s Financial Relief Assistance Plan. This option requires the support of one of our advisors; book a call with an advisor through our online booking tool.

For immediate financial relief: To proceed with one or two months of relief: (for longer options see "Longer Term Relief Instructions")

  • 1. Log into Online Banking.
  • 2. From the Account Summary page, select your mortgage account.
  • 3. Select the “Skip a Payment” link at the bottom of the page and follow the instructions.

Note: This feature is not available between 7:30pm to 9:30pm each day.

ALERT: Skip-a-Payment requests could take up to five days to process. If you are within five days of your regular mortgage payment date, the current payment will be processed, and your next payment may be skipped.

Program Details: There is no fee to skip a payment. When you skip a payment, the interest on the skipped payment is added to your outstanding balance and interest is charged on that amount. This means your mortgage balance will increase. Your payments won't change during the term of your mortgage. Instead, at renewal your monthly payment amount increases to account for the higher balance. When you skip a payment you must still pay the portion of your payment that covers your property taxes and HomeProtector Insurance Premium, if applicable.

Note: Using Skip-a-payment may significantly increase your interest costs over the life of your mortgage, so it's important to carefully evaluate your financial situation and priorities before exercising this option. Try our calculator to find out what it could cost.

For longer term relief: Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone.

Not enrolled in RBC online banking? Click here for instant enrollment.

For immediate financial relief: Clients can also defer payments of principal and income for a period of up to six months depending on their needs. For fixed rate loan products, deferred interest will be added to the outstanding balance but interest will not be charged on deferred interest.   For variable rate loans, the deferred interest will be added to the outstanding balance and interest will be charged on this new balance. To skip one monthly payment on your Personal Loan follow these simple steps:

  • 1. Log into Online Banking.
  • 2. From the Account Summary page, select the loan you would like to manage.
  • 3. Scroll to the bottom of that page and select the “Skip a Payment” option.
  • 4. Follow the instructions.

Skip or delay a loan payment function is available through Online Banking 24 hours a day and 7 days a week.

Important: In order for the request to be processed for a loan that is due on the same date the request is being submitted by the client, the request must be entered by 7:44 PM local processing centre time.

If you skip a payment and your Loan is protected with Loan Protector Insurance, the premium (for the period of the skipped payment) will be collected from your next regular payment. This means less of the next payment will be used to reduce the principal amount of your Loan. If a payment is skipped for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. If a payment is skipped for a variable rate loan, the unpaid accrued interest as well as the interest on the part of the principal that went to payment of the missed Loan Protector premium will be added to the loan principal balance (‘’Combined Amount’’) thus increasing the principal amount outstanding on your loan. Interest, at the interest rate of the loan, is charged on the Combined Amount until it is paid in full. You may repay the skipped payment at any time. Skipping a payment may result in extending the amortization period of the loan.

Note: Using Skip-a-payment may significantly increase your interest costs over the life of your loan, so it's important to carefully evaluate your financial situation and priorities before exercising this option.

Keep in mind, skipping a payment can affect your amortization and payment schedule.

For longer term relief: Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone.

Not enrolled in RBC online banking? Click here for instant enrollment.

For Immediate financial relief: Clients can also defer payments of principal and income for a period of up to six months depending on their needs. For Auto loan products, deferred interest will be added to the outstanding balance but interest will not be charged on deferred interest.   For variable rate loans, the deferred interest will be added to the outstanding balance and interest will be charged on this new balance.   To skip one monthly payment on your Auto Loan follow these simple steps:

  • Log into Online Banking.
  • From the Account Summary page, select the loan you would like to manage.
  • Scroll to the bottom of that page and select the “Skip a Payment” option.
  • Follow the instructions.

Skip or delay a loan payment function is available through Online Banking 24 hours a day and 7 days a week.

Important: In order for the request to be processed for a loan that is due on the same date the request is being submitted by the client, the request must be entered by 7:44 PM local processing centre time.

Skipping a payment may result in extending the amortization period of the loan. If you skip a payment and your Loan is protected with Loan Protector Insurance, the premium (for the period of the skipped payment) will be collected from your next regular payment. This means less of the next payment will be used to reduce the principal amount of your Loan. If a payment is skipped for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. If a payment is skipped for a variable rate loan, the unpaid accrued interest as well as the interest on the part of the principal that went to payment of the missed Loan Protector premium will be added to the loan principal balance (‘’Combined Amount’’) thus increasing the principal amount outstanding on your loan. Interest, at the interest rate of the loan, is charged on the Combined Amount until it is paid in full. You may repay the skipped payment at any time.

Note: Using Skip-a-payment may significantly increase your interest costs over the life of your loan, so it's important to carefully evaluate your financial situation and priorities before exercising this option.

ALERT: Skip-a-Payment requests could take up to five days to process. If you are within five days of your regular loan payment date, the current payment will be processed, and your next payment may be skipped.

For longer term relief: Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone.

Not enrolled in RBC online banking?
To enroll in online banking, you need your transit and loan number. You can find this information in your Welcome Letter and/or your Annual Statement.

  • Welcome letter - You can find your transit and account number at the bottom of the page
  • Annual Statement letter:
    1. i. Transit number: You can find your transit number, in the top left-hand corner of the page, it is next to the branch address after the postal code.
    2. ii. Account Number: You can find your account number in the ‘Details of Your Loan’ box in the centre of the page

Click here for instant enrollment.

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:

  • Log into Online Banking.
  • From the Account Summary page, select your credit card account.
  • Select the “Need to defer a minimum payment due to COVID-19?” link just below the name of your credit card, and follow the instructions.

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 one month (deferring your payment), referred to as the relief period. This will provide some short-term financial relief to you during the COVID-19 situation.

It is important to understand the impact of deferring your minimum payment.

If no payments are made during the relief period, your minimum payment may be higher at the end of the relief period.

As well, interest will continue to accrue at your annual interest rates during the relief period. We will add your interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance to increase during the relief period. Rest assured that we do not charge interest on accrued interest.

NewCredit Card Interest Rate Reduction: To further help you during this difficult time, you will be provided with a credit to your account to reimburse you for 50% of the interest charged to your account during the relief period. This credit will be displayed on your upcoming statement. During the relief period you always have the option to make one or more payments toward your outstanding balance.

At the end of the relief period, your minimum payment will again become due and you will no longer receive credits to your account for your interest charges.

If your credit card account is protected with BalanceProtector insurance, you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.assurant.com to submit a claim to the insurer. Please note that BalanceProtector premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on BalanceProtector premiums.

For longer term relief (Up to 6 months): Should you require additional financial relief beyond one months, please use our online booking tool to schedule a time to speak with one of our advisors by phone.

Not enrolled in RBC online banking? Click here for instant enrollment.

We are updating this page regularly to provide more information about our client relief program.

Financial Relief for Business Clients

Recently announced - Government of Canada Business Relief Program

RBC’s Financial Relief Program: We are assessing the needs of business owners who have been affected by COVID-19 on a case-by-case basis to provide financial relief solutions that are tailored to their circumstances. Relief support may include:

  • Business loan payment deferrals
  • Increases to operating line of credit limits
  • Waiving of credit card minimum payments
  • Waived setup fees for new enrollments to cash management solutions
  • Waived Stop Payments fee

If your business is experiencing financial hardship as a result of COVID-19, please contact your advisor to discuss your options. Click here for regular COVID-19 updates for businesses.

The online-only enrollment process to participate in the Government of Canada’s Canada Emergency Business Account (CEBA) is now live. To enroll for CEBA, log into your RBC Online Banking for Business. The online enrollment process is only available through this platform. 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.

Click here for detailed CEBA eligibility, pre-enrollment actions and other FAQs. Please note that the CEBA enrollment cannot be fulfilled in our branches, or through our advisors and RBC Advice Centre.

RBC is 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:

  • Business loan payment deferrals
  • Increases to operating line of credit limits
  • Request a deferral of your minimum payment obligations on your credit cards
    • Credit Card Interest Relief: Effective April 6, 2020, RBC will reduce credit card interest charges by 50% for personal and small business clients receiving credit card minimum payment deferrals. The 50% relief will automatically be applied to your statement.
  • Waived setup fees for new enrollments to cash management solutions
  • Waived Stop Payments fee

If your business is experiencing financial hardship as a result of COVID-19, please contact your advisor or call our Advice Centre at 1-800-ROYAL-20 to discuss your options.

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 on Wello by logging into your RBC Online Banking for Business and navigating to the ‘RBC Offers’ tab.

Branch Information

Branch Information

For the health & safety of our employees and communities, RBC has temporary closed a number of branches. Some branches remain open and we ask clients to limit branch visits for urgent matters that must be done in-person.

We are limiting the number of clients allowed in the branch at any given time, to practice physical distancing – for both employees and clients. We’ve also installed Plexi Protection Screens to create a safer working environment.

We encourage clients to only come to the Branch if it is essential to do so, and to please use Online Banking or the RBC Mobile app if at all possible. 

Banking At Home

We remain committed to ensuring that your financial needs are met. While select branches are closed, our advisors and banking solutions remain available to you across a variety of channels.

The RBC Mobile App and Online Banking are safe, easy-to-use and available 24/7. Clients can:

  • View account balances, transaction history, and your RBC credit card account information
  • Sign up for E-Statements
  • Send and receive money with Interac e-Transfer (and Interac Request Money for business clients)
  • Make Canadian bill payments
  • Deposit cheques
  • Manage your other banking needs

RBC Online Banking

Sign In

Enroll Now

RBC Mobile App

Download The App

Or text "RBC" to 722722 and we'll text you the link.

Need help with Online Banking or the
RBC Mobile app?

Travel Updates

Travel and Insurance:

In accordance with the latest travel advisories, we do not recommend that clients book new travel at this time, unless it is to arrange for return travel home.

RBC Rewards / Avion:

Our primary focus is the safe return of our clients currently travelling and needing to get home. For this reason, our Travel Rewards Call Centre is prioritizing calls from clients currently away. If you are calling about an upcoming trip, please call at a later date or click here for more information related to RBC Rewards points, changes, cancellation policies and travel insurance.

Trip Cancellation / Trip Interruption:

You may be eligible to submit a trip cancellation / trip interruption claim for travel booked prior to March 13, 2020 at 5:30PM (EST). Click here for more detailed information. Please be advised that claims related to COVID-19 will not be payable if the policy was purchased or the trip was booked/paid on an RBC Credit Card, on or after March 13, 2020 at 5:30PM (EST).

Emergency Medical Insurance:

Please be advised that travelling to destinations under a travel advisory can have implications on emergency medical coverage. If you travel to a destination that the Government of Canada has advised Canadians to “Avoid all Travel” or “Avoid all non-essential Travel”, and you contract COVID-19, you will not be covered under emergency medical insurance. This is effective as of the travel advisory issued March 13, 2020 at 5:30pm (EST). Visit www.rbcinsurance.com/covid-19 for more information.

In the Community

Community Response

RBC is committed to supporting COVID-19 community response efforts in Canada, the U.S. and globally.

We are actively working with our community partners, subject matter experts, and the public and private sectors to understand and determine where the greatest community needs are and how to continue delivering the right support where and when it is needed most.

To date, RBC businesses have committed $4.5 million in support of COVID-19 community response efforts:

Food Security

RBC has donated funds to respond to community needs in Canada, the U.S. and globally to charitable partners including Food Banks Canada and Feeding America.

Mental Well-being

RBC is helping support Jack.org and Kids Help Phone to provide mental well-being supports to young people.

Strategic preparedness and response

RBC has donated funds to The World Health Organization’s COVID-19 Solidarity Response Fund.

Apply for Funding

During these uncertain times, RBC recognizes that charities and non-profit organizations are particularly vulnerable. Relying solely on donations, corporate gifts, and government support – streams of revenue which have all been largely disrupted by the stresses of COVID-19 – these organizations are not only facing uncertainty, but could be confronting irreversible damage to non-profit sector.

RBC Foundation is supporting our community partners in the following ways:

  • No interruptions to their committed funding – or to any commitments made within the last year.
  • Any commitments made to fundraising events forced to cancel will be honoured.
  • Provided increased flexibility to our partners by allowing them to shift up to 50% of their funding to support operational expenses.
  • Revisions to program impact reporting requirements given community-focused programming will be significantly impacted in the months to come.

Hiring Summer Students

Youth have been disproportionately impacted by the economic fall-out of COVID-19. Many rely on summer jobs to help pay for their schooling. RBC will welcome close to 1,400 summer students this year and provide them with a meaningful work experience.

RBC Future Launch

RBC Future Launch is a critical focus for us. This ten-year, $500 million commitment is helping empower Canadian youth for the jobs of tomorrow. We are working with our community partners to adapt programs and learning opportunities, so that we can continue to support youth in Canada in remote and virtual environments.

Frequently Asked Questions

RBC Client Relief Program

RBC introduced the Client Relief Program with flexible financial relief programs for personal and business clients who have been impacted by COVID-19, including illness, loss of income, caring for a sick relative. Qualifying products include mortgages, personal loans, car loans, and credit cards. For more information, book an appointment with an advisor .

For immediate relief, use the self-serve options available in online banking to get you through one month and then book an appointment with an advisor for further financial support. Some restrictions apply.

To help clients with immediate relief, many of these programs are available online and by self-serve to allow you to skip one or two monthly payments on most credit products including mortgages, credit cards and loans. We are committed to providing longer term support as well, and encourage you to speak with an advisor and book an appointment online.

There could be changes to your future payment amount depending on deferrals and repayment schedules, as outlined in each product deferral.

For mortgages, clients can defer two months in self-serve, or up to 6 months payments including both principal and interest. The deferred interest will be added to the outstanding balance and interest will be charged on this new balance.  Clients still need to pay their property taxes, creditor insurance and property insurance. Note that this same program is also available to individual landlords who have investor mortgages for rental properties.  If you hold multiple mortgages on different properties there is no limit to the number of retail mortgages you can apply the deferral to.

Credit cards and personal loans qualify for financial relief.

Yes, the financial relief program is available to any client experiencing financial hardship resulting from COVID-19. If you cannot activate the skip-a-pay through self-serve, but please book an appointment online to speak with an advisor to set up the skipped payment. Some restrictions apply.

At this point we intend to continue to make the program available until June 30th, meaning that a client would have until that date to elect to begin deferring payments.  We will continue to review this date and may extend it depending on how circumstances evolve with the COVID-19 crisis.

This means you don’t have to decide right away.  You could elect, for example, to skip one or two monthly payments online now and then call in to defer future payments.  Or if you don’t need immediate relief, you can wait and take advantage of the program later if your circumstances change. 

Yes. For example if you choose to skip up to 6 monthly mortgage payments now, and if your circumstances change, you can recommence payments at that point.

You can quickly and easily request us to temporarily waive the requirement that you pay your minimum payment on your credit card for one month, 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 month, please contact an advisor for additional deferrals up to a maximum of six months. Please note that requests are not guaranteed.

Yes. Once you complete the webform request to defer the minimum payment on one of your credit cards, you will see a link to request a deferral on other credit cards as well.

Deferred payments will not be reported to credit bureaus as missed payments.

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.

Interest will continue to accrue at your annual interest rates during the relief period. We will add interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance to increase during the relief period. Rest assured that we do not charge interest on accrued interest.

If no payments are made during the relief period, your minimum payment may be higher at the end of the relief period.

To further help you during this difficult time, you will be provided with a credit(s) to your account to reimburse you for 50% of the interest charged to your account during the relief period. These credits will be displayed on your upcoming statement(s). After the relief period you will no longer receive credits to your account for your interest charges.

Choosing to defer a credit card payment will not impact your coverage. If your credit card account is protected with BalanceProtector insurance you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.assurant.com to submit a claim with the insurer. Please note that BalanceProtector premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on BalanceProtector premiums.

Branches

For the health & safety of our employees and communities, RBC has temporary closed a number of branches. Some branches remain open and we ask clients to limit branch visits for urgent matters that must be done in-person. We are limiting the number of clients allowed in the branch at any given time, to practice physical distancing – for both employees and clients. We’ve also installed Plexi Protection Screens to create a safer working environment. We encourage clients to only come to the Branch if it is essential to do so, and to please use online banking or mobile banking if at all possible

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.rbcroyalbank.com. Our Branch locator will also have updated information on whether your branch is open or closed. For immediate financial needs or access to your safe deposit box, please use our online appointment booking tool to schedule a call with your advisor.

RBC remains committed to supporting you through all channels. As always, the RBC Mobile App and online banking are safe, easy and available 24/7. You can:

  • View account balances, transaction history, and your RBC credit card account information
  • Sign up for e-Statements
  • Send money with Interac e-Transfer
  • Make Canadian bill payments
  • Manage your other banking needs

Click here to sign into Online Banking. For more information on how to sign up for online banking or to download the RBC Mobile App click here.

Please see the full list of closed branches. Check the branch locator for the most current information.

Finances

We will continue to offer our perspectives to help you navigate through these uncertain times Book an appointment online to speak with one of our advisors, to discuss your immediate needs. We’ll do our best to help you to feel more at ease.

There are other actions clients can consider to ease cash flow challenges. For example:

  • If you currently have an accelerated payment (weekly/bi-weekly) on your mortgage, you can use our self-serve tools to move back to a regularly monthly payment.
  • If you had previously elected to pay a higher payment in order to pay your mortgage down more quickly, you can reduce your payment using our self-serve tools to reduce it to the original amount.
  • You can change your elections later. For example you could skip one or two payments now until you have a better understanding of how you will be impacted in the longer term.

Foreign exchange requests are not currently available for ordering online. For urgent foreign exchange requests, please go to your local branch. Please note, RBC has announced plans to temporarily close select branches nationally, due to COVID-19. We ask that you check the branch locator for the most current information prior to your visit.

We apologize for the letter you received in error regarding an interest rate increase to your account. Please be assured that the rate increase is not being applied. The events surrounding COVID-19 are truly unprecedented and we understand how much they are disrupting the daily lives of Canadians. For important updates related to the COVID-19 outbreak and banking information, please visit RBC.com.

In light of the situation regarding COVID-19, and to best support our clients during this time, we are not moving forward with any of these account changes at this time—they will not be taking effect June 1, 2020.

As we all deal with the unprecedented impacts of COVID-19, we’re hearing from a number of clients who need help to stop payments. We want to remind you that you can use RBC Online Banking to manage stopping pre-authorized bill payments or cheques that are coming out of your bank account. Please visit www.rbc.com/stoppayment for step-by-step instructions on how to stop a payment in RBC Online Banking.

In addition, to help our clients through this time, we are temporarily waiving fees for stop payments effective April 3, 2020. Note, when you submit a stop payment request, it only stops the next payment to a payee, and a request must be submitted for each individual payment you wish to stop (for example, if you have a series of payments set up). If you choose to stop a payment, please also remember that you must first ensure that the cheque or debit to be stopped has not already been paid or processed through your bank account, and that you must also ensure the payee is notified of the stop payment.

(Stop payments for pre-authorized payments on your RBC credit card must still be handled with the merchant directly.)

Enrolling in Online Banking is simple and quick. Acceptance is immediate. You will need your loan number to enroll. This can be found on your Auto Finance welcome letter and/ or Annual Statement Letter.

  • 1. Welcome letter:
    • You can find your transit and account number at the bottom of the page (personal clients) or in the blue box in the centre of the page (Business Vehicle Solutions clients).
  • 2. Annual Statement letter:
    • You can find your transit number, in the top left-hand corner of the page, it is next to the branch address after the postal code.
    • You can find your account number in the ‘Details of Your Loan’ box in the centre of the page.

Holds are put in place to ensure the accuracy and legitimacy of a cheque. If you are regularly receiving a government or employer cheque, consider automatic direct deposit to avoid holds.

There have been reports of COVID-19 related phishing scams cropping up. For more information on these current scams and other important information, please visit our Cyber Security Alerts page. Get more tips on how to protect yourself from COVID-19 scams and how to protect yourself online.

While you continue to practice physical distancing including minimizing trips to the branch, we encourage you to view your balance, transactions and statements within RBC Online Banking or mobile channels. Should you want a printed record between monthly statements, we continue to offer mini statements from our ATMs. Effective April 6, 2020 there will no longer be a fee for these statements at the ATM.

CRA Direct Deposit

Starting April 3, RBC clients can use RBC Online Banking and RBC Mobile to enroll in the Canada Revenue Agency (CRA) Direct Deposit service for CRA payments – including payments to be received by eligible clients who apply for the Canada Emergency Response Benefit (CERB) through the Government of Canada.

Starting April 6, eligible clients will be able to apply for CERB through the Government of Canada.

Clients who are already registered for CRA Direct Deposit do not need to register again and only need to apply for CERB beginning April 6.

For questions and information about CERB, please visit the Government of Canada’s website.

The CRA can still issue cheques for CRA payments. For any questions related to your CERB benefits, please contact the CRA directly at 1-800-959-8281.

Yes. You have two options:

For RBC digital enrollment, if you are unable to sign up on your own and need support, you can have one of our advisors call you by using our Online Booking Tool (accessible through RBC.com on our COVID-19 page). We encourage you to use our Online Booking Tool as we’re trying to limit the number of people visiting our open branches and calling into our advice centre.

If you do not have digital access (online or mobile), you can phone our advice centre at 1-800-769-2555, but please note you will experience longer than usual wait times.

If you enrolling through the CRA, please contact them directly at 1-800-959-8281.

It can take 1-2 business days from the day CRA instructs RBC to deposit the funds using direct deposit, but processing times can vary.

Supporting communities affected by COVID-19

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.S. and globally to charitable partners including Food Banks Canada; Feeding America and The World Health Organization’s Covid-19 Solidarity Response Fund.