Yes, US citizens can open an RBC account, but the process and account types depend on where you live and which RBC bank you approach

RBC operates in the United States through RBC Bank (USA), which is a separate entity from the Canadian parent company. US citizens can open checking and savings accounts at RBC Bank (USA) branches, which operate primarily in Florida, Georgia, North Carolina, and a handful of other states. If you live outside these states, you cannot walk into an RBC branch to open an account in person, though you may be able to open certain accounts online.

The catch is that RBC Bank (USA) has been shrinking its US footprint for years. Some branches have closed, and the bank no longer actively markets itself to new retail customers in most regions. This means availability varies significantly by location. Before you plan to open an account, check whether RBC Bank (USA) has a branch or service area near you.

Canadian citizens and permanent residents living in the US can also open accounts at RBC Bank (USA), but the documentation requirements are stricter. This guide focuses on US citizens; if you hold a different status, contact RBC directly about what documents you will need.

Key Takeaways

  • RBC Bank (USA) operates only in select states, primarily Florida, Georgia, and North Carolina, so branch availability depends on your location.
  • You will need a valid government-issued photo ID (driver's license or passport), proof of address, and a Social Security number or ITIN to open an account.
  • RBC Bank (USA) has reduced its retail presence in recent years, so some branches may have closed since you last checked.
  • Online account opening is available in some states, but options are more limited than at traditional banks with nationwide reach.

What documents you need to bring

RBC Bank (USA) requires the same core documents as most US banks. Bring a valid government-issued photo ID — a driver's license, passport, or state ID card. The ID must not be expired. You will also need proof of your current address, which can be a recent utility bill, lease agreement, mortgage statement, or bank statement dated within the last 60 days. A driver's license with your current address printed on it counts as both ID and proof of address.

You must provide your Social Security number. If you do not have one, you can use an Individual Taxpayer Identification Number (ITIN), though this is less common for US citizens. RBC will run a background check through ChexSystems, which is a banking history database. This check looks for patterns of fraud or unpaid overdrafts at other banks — not your credit score.

If you are opening an account in person at a branch, bring originals of these documents. If you are opening online, you will upload images or provide information directly through the application. Some online applications allow you to verify your identity using your driver's license and a video call with an RBC representative.

How to open an account in person at an RBC branch

Visit an RBC Bank (USA) branch during business hours with your documents. Tell the representative you want to open a checking or savings account. They will ask you which type of account you prefer and whether you want online banking and a debit card. The process usually takes 15 to 30 minutes.

The representative will verify your identity, run the ChexSystems check, and ask questions about the source of funds you plan to deposit. They will then set up your account, issue a temporary debit card (or order one to be mailed), and give you login credentials for online banking. You can usually make your first deposit at the branch or set up a transfer from another bank account.

Ask the representative about minimum balance requirements and monthly fees before you leave. RBC Bank (USA) account terms vary by account type and state, so what applies in Florida may not apply in Georgia.

Opening an account online if there is no branch near you

RBC Bank (USA) offers online account opening in some states, but not all. Start by visiting the RBC Bank (USA) website and entering your state. If online opening is available where you live, you can complete the application without visiting a branch.

The online process asks for your personal information, Social Security number, and proof of identity. You will upload images of your ID and proof of address. Some applications require a video call with an RBC representative to verify your identity in real time. This call typically lasts 5 to 10 minutes and happens within 24 hours of you submitting your application.

Once your identity is verified and the ChexSystems check clears, your account opens. RBC will mail a debit card to your address and send login credentials by email. You can begin using online banking immediately, though you may not be able to deposit cash until you receive your debit card or set up a transfer from another bank.

What happens if RBC does not operate in your state

If RBC Bank (USA) does not have branches or online services in your state, you cannot open an account with them. RBC's US retail banking footprint is limited and continues to shrink. The bank has exited markets in the Northeast, Midwest, and parts of the West.

Your alternatives are to open an account with a bank that operates nationwide — such as Bank of America, Chase, Wells Fargo, or a credit union — or to explore online-only banks like Ally, Charles Schwab, or Discover, which accept customers in all 50 states. These alternatives often have lower fees and higher interest rates on savings accounts than RBC Bank (USA).

If you specifically want to bank with RBC because you have accounts in Canada, consider opening a cross-border account with RBC Royal Bank (the Canadian parent company). These accounts are designed for US residents and Canadians who need access to both countries' banking systems. The requirements and process differ from RBC Bank (USA), so contact RBC Royal Bank directly for details.

ChexSystems checks and what can disqualify you

RBC uses ChexSystems to verify your banking history. This system tracks accounts you have closed, overdrafts you did not repay, and fraud allegations. A ChexSystems check is not a credit check — it does not look at your credit score or payment history on loans and credit cards.

You can be denied an RBC account if ChexSystems shows unpaid overdrafts, a pattern of returned checks, or fraud. Some banks also deny accounts to people with recent accounts closed due to suspected fraud, even if the person was not charged with a crime. If you have been denied at other banks, ask why before you apply to RBC. You have the right to request your ChexSystems report for free once per year at www.chexsystems.com.

If your report contains errors, you can dispute them directly with ChexSystems. Disputes usually take 30 to 45 days to resolve. If you have legitimate negative history — such as an overdraft you paid back — some banks will still open an account for you, though they may require a larger opening deposit or place restrictions on your account initially.

Fees and account minimums at RBC Bank (USA)

RBC Bank (USA) charges monthly maintenance fees on most checking accounts, though the amount varies by account type and state. Some accounts waive the fee if you maintain a minimum balance, set up direct deposit, or meet other conditions. Savings accounts typically have lower or no monthly fees but may have withdrawal limits.

Overdraft fees, ATM fees, and wire transfer fees also apply. RBC charges for out-of-network ATM use, though the exact fee depends on which ATM you use and your account type. Ask about these fees before you open an account, because they can add up quickly if you do not plan for them.

Compare RBC's fees to other banks in your area before you commit. Many online banks and credit unions charge lower fees or no monthly maintenance fees at all. The difference can be $10 to $20 per month, which adds up to $120 to $240 per year.

Frequently Asked Questions

Do I need a US address to open an RBC account?

Yes. RBC Bank (USA) requires proof of a current US address. If you are moving to the US and do not yet have a permanent address, you can use a temporary address such as a hotel, relative's home, or temporary rental. The address on your proof-of-address document must match the address you provide on the application.

Can I open an RBC account if I have been denied by other banks?

Maybe. RBC uses ChexSystems, which other banks also use, so if you were denied for fraud or unpaid overdrafts, RBC may deny you too. However, some banks are more lenient than others. Request your free ChexSystems report to see what is showing up, then contact RBC directly to ask whether your situation disqualifies you before you apply.

How long does it take to open an account?

In person at a branch, 15 to 30 minutes. Online, the application takes 10 to 15 minutes, but identity verification and the ChexSystems check can take 24 hours to a few business days. Your account is usually active within one business day of approval, though your debit card may take 7 to 10 business days to arrive by mail.

What if I do not have a Social Security number?

You can use an ITIN (Individual Taxpayer Identification Number) instead. However, not all RBC branches or online applications accept ITINs, so call ahead or ask during the application process. If RBC cannot open an account with an ITIN, you will need to find another bank that accepts them.

Can I open a business account at RBC Bank (USA)?

Yes, but the process and requirements differ from personal accounts. You will need your business license, EIN, and personal identification for the business owner. Contact an RBC branch directly for details, as business account availability varies by location and RBC's current service offerings.