Reviewed by the CreditCardGuru Editorial Team
Account details
- Monthly fee
- $4/mo
- Minimum balance
- No minimum balance required
- Transactions included
- 12 free debit transactions per month
- Interac e-Transfers
- Unlimited Interac e-Transfers Included
- E-statements
- Not included
- ATM access
- ATM Fee (Canada) $2
- Other fees
- NSF fee: $4; Additional transaction fee: $1.25 per additional transaction beyond 12; ATM Fee (Canada) $2
- Other benefits
- Unlimited free debits for transit fare purchases
Welcome offer: Save 3 cents/l on gas at Petro-Canada; Right Account Guarantee: refund of monthly fees if dissatisfied (within the first four months).
Pros & cons
Pros
- Unlimited Interac e-Transfers
Cons
- Limited transactions
- ATM fees apply
Terms & conditions
Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but RBC can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on RBC's own website before you apply.
Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and RBC's own criteria. Bonuses often exclude anyone who has held the account before, and usually require a minimum spend within a set period.
This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.
How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.
CreditCardGuru is not affiliated with RBC. Trademarks belong to their respective owners.
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Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
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Cite this page
“RBC Current Banking Package Review (2026)” — CreditCardGuru, https://creditcardguru.ca/banking/rbc-current-banking-package, updated August 19, 2026.