Rbc monkland la banque royale en direct Please note that the information for Royal Bank of Canada,RBC In Montreal, 5701 Monkland Ave and all other Branches is for reference only. It is strongly recommended that you get in touch with the Branch Phone 514 874-3433 before your visit to double-check the details and other questions you may have. Bank Holiday Opening hours / times View RBC Royal bank of Canada Phone number, Address, Working hours and Customer Care Contact Numbers in Monkland & Harvard, Beaconsfield, Canada.

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(Bloomberg) — Royal Bank of Canada plans to start a new “direct-to-consumer” business in the U. to increase deposits and ultimately broaden out its offerings to a more mainstream clientele. A new digital bank has been in the works for a while, Chief Financial Officer Rod Bolger said in an interview. The latest plans won’t mark a return to bricks-and-mortar retail banking in the U. The expansion is likely to come at the end of 2020 or early next year, and will be focused initially on higher-net-worth customers, Chief Executive Officer David Mc Kay said Friday during the bank’s earnings call.“The loan book has been growing faster than the deposit book, so growing our deposit strategy has become of paramount importance,” Mc Kay said. Back in 2014, then-CEO Gordon Nixon spoke of taking a second run at U. S., Bolger said Friday.“It’s consistent with our strategy,” Bolger said. “You’ll see us bring in some new capability around that to make sure that we’re able to continue to grow both our loans and deposits.”RBC is looking to build on its U. banking operations that include City National Bank, the Los Angeles-based commercial-and-private lender known as the “Bank to the Stars,” along with a wealth manager and a Georgia-based bank that serves about 400,000 Canadians living in the U. The Georgia business was left over after Royal Bank sold its money-losing U. “It’s basically building capability as we build out our second home market, and it’s building a broader spectrum of products and services for today’s affluent and high-net-worth consumer.” Postmedia is committed to maintaining a lively but civil forum for discussion and encourage all readers to share their views on our articles. The planned expansion would help fund the company’s longer-term growth as it shifts “a little down-market” from ultra-high-net-worth and high-net-worth clients to “super-affluent” customers, with a “direct-to-consumer strategy” coming later, he said. banking operations are evolving beyond commercial lending and wealth management, Mc Kay said. Comments may take up to an hour for moderation before appearing on the site. We ask you to keep your comments relevant and respectful. We have enabled email notifications—you will now receive an email if you receive a reply to your comment, there is an update to a comment thread you follow or if a user you follow comments. Visit our community guidelines for more information and details on how to adjust your email settings. The Royal Bank of Canada (RBC; French: Banque royale du Canada) is a Canadian multinational financial services company and the largest bank in Canada by market capitalization. The bank serves over 16 million clients and has 85,000 employees worldwide. In November 2017, RBC was added to the Financial Stability Board's list of global systemically important banks. banking subsidiary which formerly operated 439 branches across six states in the Southeastern United States, RBC Capital Markets is RBC's worldwide investment and corporate banking subsidiary, while the investment brokerage firm is known as RBC Dominion Securities. In Canada, the bank's personal and commercial banking operations are branded as RBC Royal Bank in English and RBC Banque Royale in French and serves approximately ten million clients through its network of 1,209 branches. Investment banking services are also provided through RBC Bank and the focus is on middle market clients. In 2011, RBC was the largest Canadian company by revenue and market capitalization. In 1864, the Merchants Bank of Halifax was founded in Halifax, Nova Scotia, as a commercial bank that financed the fishing and timber industries and the European and Caribbean import/export businesses. During the 1870s and 1880s, the bank expanded into the other Maritime Provinces. When both the Newfoundland Commercial Bank and Union Bank of Newfoundland collapsed on 10 December 1894, the Merchants Bank expanded to Newfoundland on 31 January 1895. In 1901, the Merchants Bank of Halifax changed its name to the Royal Bank of Canada (RBC). The centre of the Canadian financial industry had moved from Halifax to Montreal, so the Merchants Bank relocated its head office there. In 1910, RBC merged with the Union Bank of Halifax. In the same year it built a bank branch in Winnipeg, Manitoba—designed by Carrère and Hastings, in beaux-arts classicism proclaiming the financial dominance of Winnipeg in the prairies. To improve its position in Ontario, RBC merged with Traders Bank of Canada in 1912 and in 1917 RBC merged with Quebec Bank, which was founded in 1818 and chartered in 1822 in Quebec City. RBC's presence in Manitoba and Saskatchewan was strengthened through a 1918 merger with Northern Crown Bank, which was the result of the merger in 1908 between Northern Bank (established in 1905 in Winnipeg) and Crown Bank of Canada (1904), based in Ontario. RBC's presence in the Prairie Provinces grew again with the 1925 merger with the Union Bank of Canada, which had begun in Quebec City in 1865 as the Union Bank of Lower Canada, but changed its name in 1886. The Union Bank of Canada had moved its headquarters to Winnipeg in 1912, and had built a strong presence in the Prairies and opened the first bank in the Northwest Territories at Fort Smith in 1921. RBC Insurance is the largest Canadian bank-owned insurance organization, with services to over five million people. It provides life, health, travel, home and auto and reinsurance products as well as creditor and business insurance services. In the same year, the Royal Bank of Canada proposed to merge with the Bank of Montreal, at the same time as the Toronto-Dominion Bank proposed to merge with the Canadian Imperial Bank of Commerce. Both mergers were examined by the Competition Bureau of Canada, and ultimately rejected by Paul Martin, at the time the Finance Minister of Canada, and future Prime Minister. In 2000, RBC merged merchant credit/debit card acquiring business with BMO Bank of Montreal's to form Moneris Solutions. In 2013, RBC completed the acquisition of the Canadian subsidiary of Ally Financial. In October 2008, RBC was named one of "Canada's Top 100 Employers" by Mediacorp Canada Inc., and was featured in Maclean's newsmagazine. Later that month, RBC was also named one of Greater Toronto's Top Employers, which was announced by the Toronto Star newspaper. According to a global Newsweek ranking, which measures how effectively companies manage environmental risks and opportunities relative to their industry peers, Royal Bank of Canada is the most environmentally friendly company in the world. An RBC branch in The Glebe neighbourhood of Ottawa was firebombed in May 2010. The party responsible later identified themselves on Indymedia and threatened to make their presence at the upcoming 2010 Winter Olympics in Vancouver, as RBC was one of its key sponsors, as well as at the 2010 G20 Toronto summit. Additionally RBC incorporated its operations in Trinidad and Tobago locally, floating the shares, thereby divesting itself of ownership. The new bank took the name Royal Bank of Trinidad and Tobago (RBTT). The bank's symbol is a golden lion clutching a globe, on a blue background. An older version depicted a crown above the globe and the lion faced to the left. The change coincided with an expansion in United States markets. Over the years, the lion's mane has also become less detailed and more stylized, and the tongue was shortened. Like many of its competitors, RBC is a key sponsor of many events, community programs, and charities. One percent of RBC's average annual net income before taxes is set aside for charitable partnerships via the arms-length RBC Foundation. RBC is a major sponsor of numerous cultural events, including the Toronto International Film Festival. It also sponsors the RBC Taylor Prize, a literary award for non-fiction writing in Canada, and hosts a yearly Canadian Women Entrepreneur Award. RBC is one of Canada's largest sponsors of amateur sports and is the longest-running Canadian sponsor of the Olympic Games. It employs dozens of top-tier amateur athletes as part-time spokespeople through the RBC Olympians program. RBC is a former premier sponsor of Hockey Canada and previously owned the naming rights to the National Junior A Championship, then called the Royal Bank Cup (later the RBC Cup). In addition, it supports Canadian hockey at the grassroots level through the RBC Play Hockey program. RBC owns naming rights to the RBC Centre, RBC Convention Centre Winnipeg, RBC Canadian Open, and RBC Heritage (formerly the Heritage Classic). From 2002 to 2012, RBC previously held the naming rights to what is now the PNC Arena in Raleigh, North Carolina.. The title of Royal Bank's top executive has changed several times. Later, it became chief executive officer and one often carried additional responsibilities as chairman of the board, while the second-in-command was the President. Taylor was chairman and CEO from 1986 to 1994, and he was succeeded by John Cleghorn in that capacity from 1994 to 2001. Dave Mc Kay is currently the President and chief executive officer. O'Brien has served as the institution's chairman (non-executive) since 2004. The position was formerly held by Guy Saint-Pierre, who held the position from 2001 to 2004. The head office for the institution was initially located at the Merchants' Bank of Halifax Building, on Bedford Row, Halifax, Nova Scotia, Nova Scotia. The building served as the head office for the bank from 1864 to 1907. In 1907, the RBC relocated its head office to the Four Pillars Building, at 147 Saint Jacques Street (renumbered 221 in 1928), Montreal. The building was used as RBC's head office until 1928. The Four Pillars Building was later demolished, with only its facade remaining. In 1928, RBC moved its head office to the Old Royal Bank Building, at 360 Saint Jacques Street, Montreal. Treasury Department restricts certain foreign nationals from using the U. dollar payment system to limit terrorism and money laundering after the September 11, 2001, attacks. In 1962, RBC moved its head office to Place Ville-Marie, at University Street and René-Lévesque Blvd in Montreal. RBC replied that compliance with such laws does not represent an endorsement by the bank and on January 17, clarified its position on the application of the U. laws, specifying that "with some exceptions" it does open accounts for dual citizens of the sanctioned countries. In 1976, RBC completed Royal Bank Plaza, at 200 Bay Street, Toronto. Environmental groups have criticized RBC's financing of oil sands bitumen extraction and expansion, cumulatively issuing "more than $2.3 billion in loans and financing more than $6.9 billion in [corporate] debt between 20 for 13 companies including: Encana, Husky Energy, OPTI Canada, Delphi Energy, Canadian Oil Sands Trust, Northwest Upgrading, Suncor, Total, Connacher Oil and Gas, Inter Pipeline and Enbridge". RBC's official head office still remains at Place Ville-Marie; although Royal Bank Plaza is listed by RBC as its corporate headquarters, Canadian citizens with dual citizenship in Cuba, Iran, Iraq, Myanmar, North Korea or Sudan (mostly countries with U. This opposition is due to the detrimental effect Oil Sands extraction has on the environment and human health. The CBC reported on May 7, 2013, that during Question Period in Parliament the NDP leveled accusations against the government and then Prime Minister Stephen Harper, to which he responded that the government has been working on problems with the Temporary Foreign Worker Program for more than a year. RBC is a member of the Canadian Bankers Association (CBA) and is a registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits at all of Canada's chartered banks. Banque rbc direct rbc rewards+ visa Whatever you need, RBC Royal Bank has a wide range of personal banking products, services and tools to help you manage your finances, save for retirement, buy a home and much more. Link your RBC Bank U. S. and RBC Royal Bank Canadian accounts With a single sign-in and transfer funds back and forth. Direct Checking. Details. Access U. S. Cash. View your account details and transaction history for the last seven years. You can also set up and receive RBC Alerts about your banking activity and available RBC Offers. It’s a breeze to move money to your savings account, pay down your credit card, loan or credit line, or make a payment on your mortgage Easily access your RBC Royal Bank credit cards and credit lines. View your balance and available credit, make payments, apply for a new credit line or request a limit increase. Stay on top of your mortgage and loan details including your outstanding balance, interest rate and payment details. You can also skip a payment or make a double-up or lump sum payments on your mortgage. Track your RBC Royal Bank investments, RBC Direct Investing and RBC Dominion Securities accounts in one convenient place. Plus, contribute to your RRSP, renew GICs, buy RBC Mutual Funds and get personalized investment advice with My Advisor. Purchase foreign cash 24/7 through RBC Online Banking and pick it up at any of the 1,200 RBC branches in Canada. Have a question about your accounts or a recent transaction? Send us a message through our Secure Message Centre and we’ll get back to you within 48 hours. It’s a secure and convenient way to reach a helpful RBC representative. Purchase insurance coverage for your RBC loans, mortgages or credit cards or get travel insurance coverage for your next trip. When you bank online - or even with your mobile phone - you can easily check your balances, view your transactions or statements, pay bills and transfer funds at any time – wherever and whenever it’s convenient for you. And when you use RBC Online Banking, you also have access to my Finance Tracker – an online money management tool that automatically categorizes your expenses, letting you track your spending, set savings targets and create a budget in minutes. Online Banking is also an extremely safe and secure way to bank, so you can be confident your money is protected at all times. As a personal banking client you'll need your RBC Royal Bank Client Card or credit card to enrol. If you are an automotive finance, mortgage, credit line, Homeline, loan or investment client, you’ll need your account number and transit number. If you’d like to enrol your business account for Online Banking, you’ll need your RBC Royal Bank Business Client Card. Before you can make bill payments in Online Banking, you'll need to set up a list of payees. Sign in to Online Banking and select the "Manage Payees" option from the Accounts Summary page. You can then choose “Add Payee” in the left side menu and follow the instructions. To make a payment online: Whether you're at home or away you can arrange to have payments and transfers made at a predetermined frequency or specified dates. Simply specify the amount and how often you want the transfers to occur (such as once a week, every 2 weeks or once a month). RBC Direct Investing Inc.*, RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement for personal banking clients, and the Client Card Agreement and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Cardholders are not liable for losses resulting from circumstances beyond their control provided they have taken reasonable precautions to protect their Client Card and PIN (if applicable) as set out in the Client Card Agreement. Formerly known as the RBC Online Banking Security Guarantee. Please note that each payment to a third party from your RBC Royal Bank credit card account is treated as a cash advance (up to your available credit and daily limits) and is subject to the standard annual interest rate applicable to your credit card account, from the day the cash advance is posted until the balance is paid in full. A $3.50 cash advance fee/transaction applies and will be charged to your credit card account. Maximum transaction limits may apply and are subject to change. If paying from a Royal Credit Line regular interest charges apply. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. S.) account transaction history until the following day but will reflect the date of transfer. The products, services and securities referred to on this web site are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this web site should not be construed as an offer by RBC Dominion Securities to sell specific securities in any jurisdiction outside of Canada. An excess debit transaction fee may also apply depending on the deposit account used for purchase. If you purchase foreign cash using your credit card the transaction is treated as a Cash Advance. This means that Cash Advance fees apply and interest is charged from the date of your foreign cash purchase. The foreign exchange rate is final at the time you make the purchase. Depending on the branch you have chosen for pick-up, you can expect it to take anywhere from 3-10 business days to arrive at the bank. In most cases you can expect the cash to arrive in 3 business days. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. S.) account transaction history until the following day but will reflect the date of transfer. The Credit View Dashboard information is provided by Trans Union for educational purposes and is not intended to provide you with financial advice. We do not review or use Credit View Dashboard information, and Credit View Dashboard information cannot be interpreted as credit approval. As such, Royal Bank of Canada is not liable for any decision you make based on Credit View Dashboard information. For help with your financial needs and financial advice, please talk to us. In order for you to access the Credit View Dashboard, we must share your name, address and date of birth with Trans Union each time you click on the "View Your Credit Score" link in Online Banking. We’re taking added precautions to keep our clients and employees safe during the COVID-19 outbreak. We also recognize that now more than ever, clients turn to us for advice and support.


Nous accordons la plus grande importance à la confidentialité et à la protection de vos renseignements personnels et bancaires. Pour vous offrir une plus grande tranquillité d'esprit, nous avons élaboré la Garantie de sécurité RBC Banque en direct. Des frais d'opérations pour les virements de fonds et les paiements de factures peuvent s'appliquer à l'utilisation de Banque en direct selon votre forfait bancaire et ils sont distincts des frais d'accès. Les clients de RBC Banque Royale peuvent maintenant acheter des CPG non enregistrs, modifier les instructions l'chance et changer les coordonnes de versement des intrts par voie lectronique ! Il suffit d'effectuer quelques tapes simples pour modifier son compte CPG non enregist ou y cotiser par l'intermdiaire de Banque en direct : Pour acheter d'autres CPG en direct ou modifier un CPG non enregistr, vous devez tre inscrit Banque en direct et possder un compte CPG. Si vous tes dj un client de Banque en direct, vous pouvez ouvrir une session ds maintenant. Si vous n'tes pas inscrit Banque en direct, vous pouvez vous inscrire immdiatement. Banque rbc direct rbc argentia The RBC Rewards program is offered by the Royal Bank of Canada. The use of RBC Rewards points is subject to the RBC Rewards Terms & Conditions opens link in a new window. You cannot earn RBC Rewards points through RBC Direct Investing RBC DI. Les principaux éléments de RBC Banque en direct sont mieux mis en évidence afin que vous passiez moins de temps à chercher l'information et plus de temps à effectuer vos opérations. Whatever you need, RBC Royal Bank has a wide range of personal banking products, services and tools to help you manage your finances, save for retirement, buy a home and much more. 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. If you’ve stopped working because of reasons related to COVID-19, you may be be eligible to receive the CERB through the Government of Canada. RBC has created an interactive tool help you see if you may qualify for the CERB. Please note that RBC does not make any determinations with respect to eligibility, amount, or timing of the CERB. Answer a few quick questions to see if you may be eligible. Find out more To help clients with additional financial relief during COVID-19, RBC will be providing personal and business credit card clients already receiving minimum payment deferrals with a credit to their credit card account(s) to reimburse them for 50% of the interest charged to their accounts during the period they are receiving the deferral – the relief period. Personal and business credit card clients already receiving minimum payment deferrals will be reimbursed for 50% of interest charged during the deferral period. The credit(s) will be displayed on the client’s upcoming statement(s). 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. Let’s all do our part to help keep our community and each other safe and healthy. 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 e Statements. If you don’t have access to Online Banking yet, enrolling is simple and quick. To access your documents electronically through Online Banking: 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: 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: 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. : 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. 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 Home Protector Insurance Premium, if applicable. 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. 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. 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. 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: 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 PM local processing centre time. If you skip a payment and your Loan is protected with Loan Protector Insurance, your coverage will remain in place and 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. 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. Personal clients can also defer payments of principal and income for a period of up to six months depending on their needs (Looking for relief on a Business car loan? 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. Click here.) 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: : 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 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. : 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. : 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. : 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. 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. For immediate financial relief: Our call centres are experiencing extremely high call volumes. For clients enrolled in RBC Royal Bank Online Banking immediate access to request financial relief is available, please use our self-serve options found in RBC Royal Bank Online Banking. Detailed instructions are below: You can use this form to request us to temporarily waive the requirement for you to make the minimum payment on your credit cards for 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. To further help you during this difficult time, if you are receiving a minimum payment deferral, you will be provided with a credit to your credit card account to reimburse you for 50% of the interest charged to your account during the period you are receiving the deferral. This credit will be displayed on your upcoming statement. 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 Balance Protector 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.to file a claim with the insurer. Please note that choosing to defer a credit card payment will not impact your coverage. Balance Protector insurance premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on Balance Protector insurance premiums. More financial relief is available for these and other products by speaking with one of our advisors. For longer term relief (Up to 6 months): Should you require additional financial relief beyond one month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. As our call centre continues to experience extremely long wait times, we encourage you to use our online booking tool to schedule a time to speak with us by phone. 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. provides eligible employers that have experienced an eligible reduction in revenue to receive a subsidy of 75% of employee wages for up to 12 weeks, retroactive from March 15, 2020, to June 6, 2020. For detailed information about the program, eligibility, and how to apply, refer to the Government of Canada’s site. Please ensure that you are registered for CRA Direct Deposit by logging into your RBC Online Banking for Business or RBC Express platform. CRA Direct Deposit is a quick, safe and secure way to receive your CEWS, should you be eligible for this program. The BDC Co-Lending program is designed to support Canadian businesses of all sizes that have been negatively impacted by COVID-19. Eligible applicants can access funding up to $6.25 million CAD (maximum loan amounts dependent on business size) to cover operating expenses (such as rent, payroll and other operating expenses) and working capital needs. The Government of Canada’s Export Development Canada (EDC) BCAP Guarantee aims to help eligible Canadian businesses impacted by COVID-19 with up to $6.25 million CAD in short-term liquidity. This financing solution can help cover expenses which are critical to business continuity such as rent, payroll and other operational costs. 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: Through RBC's partnership with Wello – a leading Canadian virtual healthcare company – we are making it easier for you to provide important COVID-19 screening information, timely access to physicians and nurse practitioners for health advice, and resources to support general health needs, including prescriptions, diagnostic and specialist referrals. Wello can support your employees' physical and mental health needs, wherever they are. If you are an RBC business client, you can access more information about Wello by signing in to RBC Online Banking and from the top of your Accounts Summary page, select the Offers for You link to browse your offers or log into the RBC Rewards app. 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. 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: 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 PM (EST). Please be advised that claims related to 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 , you will not be covered under emergency medical insurance. 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. This is effective as of the travel advisory issued March 13, 2020 at pm (EST). RBC is committed to supporting COVID-19 community response efforts in Canada, the U. To date, RBC businesses have committed $4.5 million in support of COVID-19 community response efforts: 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: 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. , 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. 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. For mortgages, clients can defer one month 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. 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 crisis. 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. 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. 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. Should you require additional financial relief, beyond the first month, please contact an advisor for additional deferrals up to a maximum of six months. You will be notified in your Message Centre within RBC Online Banking within 5-10 business days whether your request has been approved. outbreak has caused an increased demand for financial relief. As a result, our staff 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 approved. 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 Balance Protector 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.to submit a claim with the insurer. Please note that Balance Protector premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on Balance Protector premiums. 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. Our priority is the safety and wellbeing of our employees and our clients. We have increased frequency of cleaning, with daily disinfection of our retail branches and ATMs, and will continue to improve as we need to. In the event of a branch closure, a notice will be posted on the branch door. To find the next closest location, simply visit maps. Our Branch locator will also have updated information on whether your branch is open or closed. 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. 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. 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 , 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 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 - September 30, 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. This can be found on your Auto Finance welcome letter and/ or Annual Statement Letter. For more information on these current scams and other important information, please visit our Cyber Security Alerts page. (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. 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. The Government of Canada has announced a 25% reduction to the minimum withdrawal amount for Registered Retirement Income Funds (RRIFs) in 2020. Learn more about this change There is no change or exception in your ability to apply for coverage or file an eligible claim. Please refer to your certificate of insurance for details about specific coverages, coverage eligibilities, limitations and exclusions. Please note that epidemics or pandemics, such as COVID-19, are not a limitation or exclusion. If your credit card account is protected with Balance Protector 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.to submit a claim with the insurer. Job loss is not a coverage available under Home Protector Insurance and Loan Protector Insurance. In Online Banking, you can temporarily change your daily ATM cash withdrawal limit as well as your daily in store purchase limit. You may be able to temporarily change these limits up to three times per calendar year for a maximum duration of 60 calendar days each time. To make temporary changes to your daily limits for ATM withdrawals or in store purchases: 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. 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 If you still have the original CERB cheque You can return the cheque by mail to the address below. If you don't have the cheque or were paid by direct deposit You can mail your repayment to the CRA. Be sure to: Mail your payment to Revenue Processing – Repayment of CERB Sudbury Tax Centre 1050 Notre Dame Avenue Sudbury ON P3A 0C3 For more information, please visit the CRA website detailing all specifics relating to Canada Emergency Response Benefit community response efforts. As a first step, RBC will be donating funds to respond to community needs in Canada, the U. and globally to charitable partners including Food Banks Canada; Feeding America and The World Health Organization’s Covid-19 Solidarity Response Fund.