Rbc group advantage rbc online services This site is supported by Internet Explorer 5.0 and above, Safari, Firefox and Chrome browsers only. RBC Group Advantage program Your company has established a group savings plan to help you save for retirement and reach your financial goals. You are now a member of an exclusive employee benefits program called RBC Group Advantage™. You’re entitled to exclusive benefits, including

Rbc ipad deal banque royale canada en ligne

Now that we're in a new year, we can start looking forward to all the i Pad deals coming during the Black Friday 2020 and Cyber Monday 2020 season. While discounts will still pop up from time to time, we're seriously looking forward to the savings during this annual shopping holiday. When it rolls around, we expect the weeks leading up to Black Friday 2020 to herald in deals on the entire i Pad range. Should Apple introduce a new model, we don't anticipate it to get discounted much at all, but there should be plenty to save on the existing lineup. This includes the standard i Pad, with the powerful i Pad Pro 11 models seeing the largest savings. The older 2018 i Pads will be the cheapest newer models, while we expect the refreshed 2019 i Pad Mini to enjoy savings, too. While we don't know exactly which discounts are in store, we can take a guess based on last year's deals, which we've preserved below. $329 at Walmart If you're looking for a cheap i Pad to keep the kids entertained or to stream your favorite shows and movies, this the deal for you. 32GB won't get you too far in the way of large apps and downloads, but it will certainly support the light use this price tag is targeting. This price has gone up slightly since last week, so for now you're better off grabbing the later model listed above from Amazon. View Deal $538 at Newegg Save over $100 on the cheapest i Pad Pro you can buy right now. At 64GB you'll be stretching this i Pad's storage if you want to use it for anything other than light work and entertainment, so you might want to consider the extra spend on the 256GB model. $469 at Walmart You can save $30 on the 10.5-inch i Pad Air at Walmart, grabbing a 64GB Silver or Space Gray model for just $469. The i Pad Air supports the Apple Pencil and packs much of the power of an i Pad Pro in a more portable shell. £379 at Currys This £18 saving on an i Pad Mini may not be the most exciting discount on this list, but it's the first Cyber Monday i Pad Mini deal the UK has seen so far. Stay updated for more sales, but for now, this is the cheapest you'll get the 64GB model. £448 at Currys The 2019 i Pad Air model offers a power upgrade from the flagship range but doesn't quite reach the lofty heights of the Pro - it's a good middle point if you're planning on using your i Pad for both work and play. Currys has cut the price on their 64GB and 256GB models. £1,519 at John Lewis Save £200 on the biggest i Pad ever released. This massive 1TB version of the 12.9-inch i Pad is literally ready for anything. It will be able to handle a massive number of high-performance apps, high definition downloads, and multitasking between them all with amazing processing speeds. You're also getting a two-year guarantee with John Lewis. Apple's flagship 2019 i Pad received a number of updates fom the previous 9.7-inch model when it emerged earlier this year. One big change: you can now use the full sized Smart Keyboard and connect external storage solutions with Apple's central line of i Pads. At 10.2-inch, the display matches that of the Air model, but with a few specs under the hood that don't live up to its sibling. Still, the A12 Bionic chip remains, and if you're looking to save as much cash as you can on a 2019 model this Cyber Monday, these i Pad deals are for you. Last year's 9.7-inch i Pad model may still see significant discounts over its newer counterparts, but unless you're on a real bargain hunt, you may be better off spending just that little bit extra to pick up a brand new model this year. Cyber Monday i Pad deals will be volatile for this 9.7-inch tablet, especially seeing as it's been technically discontinued. If you manage to find a deal it will likely be for a renewed or refurbished model, but there's nothing wrong with picking up a super cheap i Pad like this, especially at a price that makes it perfect for kids. $329 at Walmart If you're looking for a cheap i Pad to keep the kids entertained or to stream your favorite shows and movies, this the deal for you. 32GB won't get you too far in the way of large apps and downloads, but it will certainly support the light use this price tag is targeting. This price has gone up slightly since last week, so for now you're better off grabbing the later model listed above from Amazon. View Deal $339 at Newegg This Wi Fi only version of the 2018 i Pad comes in at just $339 at Newegg this Cyber Monday. You're getting all the goodness of last year's i Pad, including the low price tag, just without the need for a costly data contract. Deal Link: Sep 3, 2019 RBC i Pad promotion is back. This is a good one if you want to buy a similar i Pad. Before Sep 3, 2019, you can get an i Pad (32GB) when you open a eligible RBC banking account. To qualify for this Promotional Offer you must: 1) Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. To qualify, you may not split your payroll deposit from one employer or pension deposit from one provider between the Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether the payroll deposit has been split. The first payroll or pension deposit must be credited to your new Eligible Personal Banking Account by PM Eastern Time November 29 2019. 2) Set up two (2) Pre-Authorized Monthly Payments (“PAPs”), such as a pre authorized bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line or contribution to your RBC investment account, from your new Eligible Personal Banking Account. The first payment of both Pre-Authorized Payments must be debited and must clear from your new Eligible Personal Banking Account by PM Eastern Time November 29, 2019. 3) Set up two (2) bill payments to a service provider (i.e. utility bill, cable, etc.) in Online Banking and/or in Mobile Banking from your new Eligible Personal Banking Account. The bill payments must be debited and must clear from your new Eligible Personal Banking Account by PM Eastern Time November 29, 2019. Please read the T&C on the RBC website for this promotion. Rbc ipad deal rbc online investing RBC can take up to 10 weeks from the day you set up your payroll/bill transactions before they ship you your iPad. It will be shipped to the address on your account and, FYI, if your address isn’t current, or someone else signs for your iPad and steals it from you, RBC is not responsible. The Eligible Personal Banking Accounts are RBC No Limit Banking and RBC No Limit Banking for Students. Account must be opened in branch or via the advice centre. Monthly fee will be waived for the first twelve 12 months upon account opening. Monthly fee is $10.95. Other account transaction fees may apply. Ipad 6th Gen 32gb promo when you open Eligible Personal Banking Account. Open personal banking account ($15.95 montly fee)and Set up two (2) Pre-Authorized Monthly Payments (“PAPs”), such as a pre authorized bill payment or 2 payroll deposit. And it has to be active until September 30, 2020 Complete detail on the link ... There's no minimum balance to waive the monthly fee eh? It seems like this will cost around $200 in plan charges plus whatever else they can ding you for over the next 15 months. Not sure if it's worth it if you weren't already going to move to RBC. There's no minimum balance to waive the monthly fee eh? It seems like this will cost around $200 in plan charges plus whatever else they can ding you for over the next 15 months. Not sure if it's worth it if you weren't already going to move to RBC. $200 is still less than what you would have to pay outside of RBC. If you open a credit card as well with the checking account, RBC might give some extra points on top of that too. $200 is still less than what you would have to pay outside of RBC. If you open a credit card as well with the checking account, RBC might give some extra points on top of that too. Remember TD often has promos too without monthly fees that also require 2 PAP and the "reward" generally is worth more than $200 (aka saving with RBC). I believe last year it was $500 (since i already use TD, i couldn't sign up again tho i had friends who made the switch and i think they got $400 or $500 last year with PAP TD all inclusive account). This is really pretty cold unless you plan on buying an i Pad soon/now. Also kinda surprise they didnt do it with mini/air. Would've being a decent deal if it was the Air but for a regular i Pad, this is pretty cold/probably not worth the hassle of switching. Also note i believe there are restrictions in this promo such as you can only sign up if you haven't signed up for any "bonus" (aka similar previous offers) in X little update from someone who participated in 2018 - I went to the branch and switched my account from Signature No Limit to No Limit and brought up the fact that they were increasing the monthly fee on the original plan as the reason for change. The manager said no problem and that there would be no penalty. I recorded the conversation so if ever they come back to charge me for the i PAD, I will have a proof I guess. Since I have a multi-product rebate with them, the No Limit account is 0$. I had a problem with this rebate not being applied properly at the beginning so when the branch applied it manually, they also gave me one month's fee as well so I paid 6.86(partial fee, first month) 8.95*7months = 69.72$ and I got way more than 70$ bux worth while studying this spring. To get the free i Pad, you need to open up one of two accounts. The first account is the Signature No-Limit banking account, which I actually used to have, and it was a great account. The monthly fee is $14.95, but if you have multiple products with RBC, you'll get it for $10.95. It includes 15 free e-transfers, three free ATM fees, unlimited debits and much more. The second account is the VIP banking account, which is $30 a month or $22.50 with a rebate on multiple banking services. You can send e-transfers, use ATMs and have unlimited debits, all included in your price. You'll also be eligible for three other free bank accounts. Once you've set up your account, you also must either set up two pre-authorized payments or have one regular payroll deposit go in. Once that happens, they'll ship you your i Pad Mini. There are a number of FAQs, which you should read through first and one of the questions (which I had myself), was if I was a RBC bank account holder, but am no longer, do I qualify and yes you do, as long as you didn't have an account before today (April 14th).


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. Did anyone else get email from Rbc saying " their is not much time left to get your i Pad. I already got shipping email earlier just wonder if I am still missing their requirement? I did two weekly morgage payments from the same bank. Just realised today that there was a message from RBC in my account asking me to order the i Pad that was sent last Friday (12th). I didn't get any email about it, so just be careful to check RBC messages if you are expecting the order email to come. Did anyone else get email from Rbc saying " their is not much time left to get your i Pad. I already got shipping email earlier just wonder if I am still missing their requirement? I did two weekly morgage payments from the same bank. It's probably just an automated email blast with no verification ahead of time. I got my shipping notice yesterday, but that email still arrived for me today even though I've met the conditions and ordered the Ipad. It's probably just an automated email blast with no verification ahead of time. I got my shipping notice yesterday, but that email still arrived for me today even though I've met the conditions and ordered the Ipad. Can someone tell me what the monthly fee looks like on your statement? Also does it come at the start or end of the month? I've had my account since August and have my i Pad but I don't think I've been charged any monthly fee yet. I got a confirmation from UPS saying my package has been delivered yesterday and someone named partel was the one who received it. But I see no package at my home and no one here is called partel. I called UPS and they told me the package was delivered to the pickup point and the lady who was on the phone was about to tell me the address of the pickup point. As long as RBC's concern, I have received the package based on UPS tracking system, even though I got nothing. From UPS tracking, they do not give you an address where the package was delivered to, so no one know if it is to my home or UPS depot. No one ring the bell of the door even though there was always people home. So how am I suppose to know there is a package and I should call UPS or go to the depot to pickup? He just drop off the package straight to the depot. - Should they at least on the tracking system say it is in the depot and is ready for pickup? - I am suspecting that they do this to get around the suppose delivery date. The driver was either too lazy or too busy to delivery today so the do this to avoid the shipper from complaining the package was not delivered on the estimated date as promised. - if the package is a gift and the receiver did not expect a package. If I buy something that is not in deep discounted, my father will punish me; everyone will laugh at me. Guide to get free movie BOGO code from Virgin Mobile How to setup PAP in Tangerineordered on the 26th a little after 1 am so practically the 25th just received a UPS tracking number Scheduled delivery information is not available at this time. so kinda miffed people who ordered after me shipped before me and seem to be further along as they have a delivery estimate, but at least its on its way Finally Recieved my i Pad today. suprisingly I didnt need to sign for it, even asked and he said it wasnt required on this package. other than that kinda sad it was pre-updated to i OS 12 but then agian even the early people it was pre updated to i OS 11.4.1 so i wasnt expecting miracles just in a perfect world it would have come unmolested Not trying to be negative, but why do you sign up so last minute? Is it really worth it to save a dollar by not signing up a few days earlier? Like Snart said "Make the plan, execute the plan, expect the plan to go off the rails. suprisingly I didnt need to sign for it, even asked and he said it wasnt required on this package. Throw away the plan." I tried getting the 2 pad with one tangerine and one eq. other than that kinda sad it was pre-updated to i OS 12 but then agian even the early people it was pre updated to i OS 11.4.1 so i wasnt expecting miracles just in a perfect world it would have come unmolested If I buy something that is not in deep discounted, my father will punish me; everyone will laugh at me. Guide to get free movie BOGO code from Virgin Mobile How to setup PAP in Tangerine I got a confirmation from UPS saying my package has been delivered yesterday and someone named partel was the one who received it. It seems that eq bank is showing a different pull category. But I see no package at my home and no one here is called partel. I called UPS and they told me the package was delivered to the pickup point and the lady who was on the phone was about to tell me the address of the pickup point. As long as RBC's concern, I have received the package based on UPS tracking system, even though I got nothing. From UPS tracking, they do not give you an address where the package was delivered to, so no one know if it is to my home or UPS depot. No one ring the bell of the door even though there was always people home. So how am I suppose to know there is a package and I should call UPS or go to the depot to pickup? He just drop off the package straight to the depot. - Should they at least on the tracking system say it is in the depot and is ready for pickup? - I am suspecting that they do this to get around the suppose delivery date. The driver was either too lazy or too busy to delivery today so the do this to avoid the shipper from complaining the package was not delivered on the estimated date as promised. Talked to the supervisor and she guarantee that the package will be delivered today. she called me today and told me the package was send back to the sender because the access point employee refused to accept the package that was literally pick up from him and give it back to him at the same time. - if the package is a gift and the receiver did not expect a package. It seems to me that for some reason, the system was stuck with shipping to the access point. Since the ipad is on the way back to china, I called RBC and asked them to ship again. The lady from RBC told me if you register for UPS my choice to get package alert, they somehow change the policy and default your package to deliver to the access point without going to your home. I guess they do this to reduce the workload for the drivers? I log in to UPS my choice and see that it is default to the access point even though I never tempered it. I changed it to have 1 attempt to deliver to my home before going to access point. Let's see if the ipad will go to my home or access point next time. My suggestion is if you signup for ups mychoice, make sure you check the setting about delivering to alternative address. UPS obviously have poor communication between departments and cannot coordinate properly. If I buy something that is not in deep discounted, my father will punish me; everyone will laugh at me. Rbc ipad deal banque royale en direct en ligne Attention Group Advantage Clients If you are employed by a company that has entered into an RBC Group Advantage agreement with us and has an active RBC Group Advantage plan including Group Savings, Group Banking and Mortgage Assistance Program, then these terms and conditions do not apply to you. RBC Rewards is offering 25% off the 10.2-inch iPad and 30% off if you are an RBC Avion cardholder. The iPad costs 66,000 points $429, but at 30% off it drops to 46,199 points, or $300.30 before taxes. sells the 32GB Wi-Fi iPad for $429, so this deal saves you $129—which you can then use towards an Apple Pencil from for $98. RBC can take up to 10 weeks from the day you set up your payroll/bill transactions before they ship you your iPad. It will be shipped to the address on your account and, FYI, if your address isn’t current, or someone else signs for your iPad and steals it from you, RBC is not responsible. You can get everything you need for a great financial start in Canada. So, settle in faster and take advantage of banking, credit and investment solutions created specifically with newcomers in mind! To make a free collect call, contact your Telephone Directory system or an International Operator to obtain the International Access Code or other unique dialing codes that may apply in your country. Available only to (i) Newcomers to Canada who arrived within the last 5 years and (ii) for non-credit card accounts. This offer may be withdrawn at any time and is subject to change without notice. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. An RBC Royal Bank credit card with no credit history required is available to (i) permanent residents and international students who arrived in Canada within the last 12 months, and (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria. You may be eligible for an RBC Royal Bank personal automotive car loan even if you have no Canadian credit history. Available to permanent residents and temporary foreign workers who have been in Canada less than 3 years. Maximum financing term is 96 months with a maximum loan amount of $75,000. No credit history required on vehicles less than 10 years old, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. You may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan, even if you have no or thin Canadian credit history, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada and do not have adverse credit bureau information . All residential mortgages and lending products are provided by Royal Bank of Canada are subject to its standard lending criteria. Available to permanent residents who have been in Canada less than 5 years. To take advantage of these offers, you must show proof of entry into Canada and provide supporting documents such as a passport, and landing papers (work permit/visa) or Canadian permanent resident card. Additional documents may be required to validate down payment funds sourced from another country. For applications that result in a written mortgage pre-approval or approval, containing an interest rate commitment, the interest rate is guaranteed for up to 120 days from the rate commitment. The mortgage must fund within 120 days from the start of the rate commitment. See your RBC mortgage specialist or find an RBC mortgage specialist Monthly fee will be waived for the first twelve months upon account opening of the RBC No Limit Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $10.95 for the RBC No Limit Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC No Limit Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in note 1. See complete terms and conditions Debit transaction means a withdrawal of funds from an account and includes an assisted transaction and an electronic self-serve transaction. RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized or self-serve RBC Royal Bank credit card payments, contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) and electronic self-serve fund transfers from your savings account to any account in your name are free of charge. All other Debit Transactions from any Savings Account are counted as Debit Transactions in the account and give rise to an Excess Debit Transaction Fee, if any free monthly Debit Transaction is exceeded. If for any reason you do not come to Canada, we will reimburse you the principal and any accumulated interest at any time. You agree to pay the wire transfer fees that apply to the return of the funds to you. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded. RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student 13 years of age or above. Students who are 25 years of age or older must present proof of student status each year to maintain their eligibility for a student account. International Money Transfer is available for a $13.50 CAD per transaction fee. Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per day. Transfers can only be made from Canadian dollar bank accounts. The service is not available to recipients in Canada and in restricted countries. You cannot send an International Money Transfer from a U. dollar account or the RBC High Interest e Savings account. To receive the 20,000 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points offer is only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder as well as existing RBC Avion Visa Business cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. RBC Royal Bank reserves the right to withdraw this offer at any time, even after acceptance by you. Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year. Available only to newcomers (please see the newcomer eligibility requirements in disclosure 1) who become RBC clients between April 1, 2020 and September 30, 2020 (Promotional Period) by opening an RBC Advantage Account, RBC No Limit Banking Account, RBC Signature No Limit Banking Account or RBC VIP Banking Account (each an Eligible Personal Banking Account). Rebates for International Money Transfer (IMT) transaction fees will be given for up to 12 months from the date of account open, with up to 2 IMT transactions per month (for a total of 24 IMT transactions) for RBC No Limit Banking & RBC Signature No Limit Banking Account holders and up to 3 IMT transactions per month (for a total of 36 IMT transactions) for RBC VIP Banking Account holders (the Promotional Offer). Rebates to be applied to the Eligible Personal Banking Account within 45 days of a qualifying IMT transaction. Offer applies only to the first personal banking account opened per newcomer during the Promotional Period, no matter how many Eligible Personal Banking Accounts one may open during the Promotional Period. If the first personal banking account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is subsequently opened. Offer does apply if the first non-eligible account is upgraded to an Eligible Personal Banking Account within 30 days of the non-eligible account being opened, provided that both the non-eligible account is opened and the upgrade to an Eligible Personal Banking Account is completed within the Promotional Period. Offer applies to only one account opening during the Promotional Period per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and by more than one co-owner newcomer. In this case, only the co-owner designated as the Primary Owner at the time of opening of the jointly-held Eligible Personal Banking Account will qualify for the Promotional Offer. Eligible Personal Banking Account must remain open and in good standing to receive the rebate. If an Eligible Personal Banking Account is downgraded to an ineligible account or closed, the Promotional Offer will cease to apply as of the time of downgrade or closure and unrebated transactions will not be credited. If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you: Subject to credit approval You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. If you have questions, please speak to your branch. RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. Open an eligible business deposit account for your first business in Canada and receive a $50 bonus which will be credited to your new business deposit account within 90 days. Eligible business deposit accounts include: RBC Digital Choice Business account package, RBC Flex Choice Business account package and RBC Ultimate Choice account package. This offer is only available to Small Businesses registered in Canada by newcomers who have been in Canada for 5 years or less. This offer cannot be combined with any other offer. The account must remain open for at least 6 months from the date it was opened. If the account is closed within 6 months, Royal Bank of Canada reserves the right to recover the full cash credit. RBC can amend or withdraw this offer at any time without notice. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Cannot send funds from a US dollar account, or the RBC High Interest e Savings account. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. RBC Canada, RBC Wallet, RBC Rewards and RBC e Gift are operated by Royal Bank of Canada. RBC Online Banking and Telephone Banking are provided by Royal Bank of Canada. Transaction fees may apply for bill payments or fund transfers made through Online Banking and are separate from access fees. Apple, Apple Pay, i Phone, i Pad and Mac Book Pro are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. All other trademarks are the property of their respective owner(s). View the full list of Terms and Conditions for use of RBC Royal Bank credit cards You must open an RBC business banking account within 60 days of completing your business registration or incorporation with Ownr. You must log back into your Ownr account and click ‘Refund Me’ to receive a credit on your credit card account. Your credit card account will be credited within 7–10 business days from requesting refund. Ownr offer may be revised or withdrawn at any time without notice. Wave’s invoicing software, accounting software and receipt scanning are free. Wave credit card processing is a pay-as-you-go service at 2.9% 30 cents per transaction for all credit cards, with no additional fees for normal transaction processing. Wave’s bank payments feature is a pay-as-you-go service at 1% per transaction. For more information visit https:// ATM use outside Canada Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol and any fees that may be imposed by any third party for using the ATM are converted to Canadian dollars at an exchange rate that is 2.5% above the benchmark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle ATM - Unlimited banking transactions including and PLUS System network fees waived ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. network access fee for RBC VIP Banking account holders, if used. ATM operator surcharge (also called convenience fee) charged by other ATM operators may apply. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. The interest rate is an annual interest rate and a simple interest calculation. Interest is calculated daily on the closing credit balance. Deposit interest is paid monthly to the account on the second business day of the following calendar month, backdated to the previous business day. Interest rate is subject to change at any time without notice. will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make up to a maximum of $6,000 per Annual Period; ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited; iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). Royal Bank of Canada (“Royal Bank”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit com/nofeecashback You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa's “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. RBC Rewards points are earned on net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. Down payment of less than 20% of the value of a property requires a maximum 25-year amortization and will not qualify for a 30-year amortization. In addition, if your down payment is less than 20%, you must pay a mortgage default insurance premium charged by a mortgage insurer. This insurance protects the financial institution if you ever default on your mortgage. Available for Conventional Newcomer Equity and Standard Programs. This is provided for informational purposes only and is not intended as legal or other professional advice. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. This information is in summary form and is intended for general guidance and information only. It is not intended to provide financial, legal or other advice. It should not be regarded as comprehensive or a substitute for professional advice. This publication provides general information only and is not intended to provide specific advice. Not intended to offer services or solicit customers where prohibited by law. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. Offer may be changed or withdrawn at any time, without notice. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. Not available in combination with any other rate discounts, offers or promotions. There are penalties if excess contributions are made. Income earned in an RESP is tax-deferred in Canada. If a Canadian resident is subject to taxation on their world income in another country (e.g. There are penalties if excess contributions are made. based on citizenship), the TFSA income may not be tax-free in that country. If a Canadian resident is subject to taxation on their world income in another country (e.g. taxpayers who contribute to RESPs need to comply with U. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. based on citizenship), the RESP income may not be tax-free in that country. When you use Virtual Visa Debit to make a payment: a) The merchant performs an authorization on your personal deposit account at the time of the purchase and this authorization amount is immediately debited from that account. This process is followed by a settlement, typically 2-5 business days after authorization, which finalizes the amount of the purchase and, in some cases, reflects adjustments to the initial authorization amount. When this happens, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final settlement amount of your purchase. b) The funds are debited from your personal deposit account, which is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a point-of-sale terminal or at an ATM. If the account linked to the primary chequing position on your Client Card is changed before a payment has been settled, it may impact the processing of that payment if the merchant needs to adjust the initial authorization amount. The final settlement amount will be processed on the account that is linked to the primary chequing position on your Client Card at the time of settlement, even if a different account was debited for the authorization amount. Please see your RBC Royal Bank Virtual Visa Debit Agreement for further details. Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. When you use your Virtual Visa Debit Number for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays Visa International, a subsidiary of Visa Inc., on the date of the conversion. For most transactions, the authorization amount debited by the merchant at the time of purchase will be adjusted at settlement to reflect changes in the applicable exchange rate. You will earn i) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) and, ii) for the first 3 full monthly statement periods (approximately 3 months from the date your Account is opened), you will earn an additional $1.00 back for every $100.00 (1% Cash Back Credit welcome bonus, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum combined Cash Back Credit of $650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For clarity, the additional $1.00 Cash Back Credit welcome bonus will only apply for the first 3 full monthly statement periods in your first Annual Period. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: com/cashbackterms To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). You must be enrolled in RBC Online Banking in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail The annual contribution limit is $5,500. This limit will rise along with inflation in future years, in $500 increments. In addition, you can carry forward unused contribution room indefinitely. Previous contribution limits were $5,5 and 2017, $10,0, $5,5 and 2014, and $5,000 for the years 2009 to 2012. Your TFSA contribution limit is tracked by the Canada Revenue Agency (CRA); if you are unsure of your limit, please check with the CRA. To participate in this offer as an RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) ("Eligible RBC Card"). When you participate in the Linked Loyalty Program as an RBC business client, you will only be able to link up to two (2) eligible business RBC credit cards and one RBC client card to a Petro-Points account. You must be enrolled in RBC Online Banking for Business in order to link. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusiness Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: com/cashbackterms Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), To get a short-haul flight to any adjoining province/state in Canada or the U. S., you will need a total of 15,000 RBC Rewards points, for a maximum ticket price of $350. To receive the 15,000 bonus RBC Rewards points which will appear on your first statement, your application form must be approved by us. Additional cardholder(s), as well as cardholder(s) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Avion Visa Infinite card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with another offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit https:// Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Avion Visa Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Avion Visa Business card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. All insurance is subject to limitations and exclusions. Insurance benefits are available to Canadian residents only. Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates included in your Welcome Kit for complete details. The length of hold will be four (4) business days after the day of the deposit if the cheque or other negotiable item is deposited in person with an employee at one of RBC’s branches or points of service and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will be five (5) business days after the day of deposit if the cheque or other negotiable item is deposited in any other manner, such as at an Automated Teller Machine (ATM) or using our Mobile Cheque Deposit service, and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will also be five (5) business days after the day of deposit if the cheque or other negotiable item is in U. dollars and drawn on a Canadian branch of a Canadian financial institution. The length of hold will be fifteen (15) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a U. bank and is deposited at a Canadian branch of a Canadian financial institution. The length of hold will be twenty-five (25) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a foreign bank other than a U. bank and is deposited at a Canadian branch of a Canadian financial institution. To receive the 2,500 bonus RBC Rewards points, your application form must be received and approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards Visa card cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 2.9% and 11.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. It can be found in all our branches or online at Offer available to newcomers who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between March 23, 2020 and December 31, 2020 (“Promotional Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Promotional Period. Only RBC newcomer clients who do not have an RBC personal deposit account at the start of the Promotional Period and have otherwise complied with the terms of the offer are eligible for this offer. TELUS is not responsible for determining eligibility for this offer. TELUS $50 Prepaid Top-Up offer valid for activation until December 31, 2020. Once the Prepaid Top-Up offer has been activated, it will be available for use for a period of 60 days from the time of activation, and any unused portion of the top-up will expire after 60 days unless another top-up or 30- day rate plan is purchased within 7 days of expiry date. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. A $10 credit will be applied to your TELUS account within 30 days after activation and again within 30 days of each date that you renew your plan to a total value of $120. This offer may be withdrawn at any time and is subject to change without notice. TELUS, the TELUS logo, the future is friendly and are trademarks of TELUS Corporation, used under license. If you do not top up your account each month and renew on a 30-day $35 and up rate plan, you will not receive the subsequent credits. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. This offer is available to any Eligible Student Clients which for purposes of this offer includes international students (refer to ^) without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three year period before the start of the Promotional Period, and who otherwise comply with the Terms of the offer. The Bonus Offer is $60 with an RBC No Limit Banking for Students account (monthly fee of $10.95) or $60 with an RBC student banking account. You must open your first new Eligible Personal Banking Account by PM EST on June 30, 2020 and complete two of the following Qualifying Criteria by PM EST on August 31, 2020 using your Eligible Personal Banking Account: mobile cheque deposit, Flash, Apple Pay, Google Pay, Samsung Pay or with the RBC Wallet. Qualifying Criteria can be made within RBC Online Banking, RBC Mobile Banking or with your RBC Client Card. Transactions made in branch or through the ATM network, as well as bank fee transactions, are not included as a qualifying transaction. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you.