Frequently Asked Questions - Banking and Saving Account

Do I qualify to open an account online?
To open an account online, you must be at least the age of majority in your province.
+ See age of majority per province.
If you are at least 14 years old but under the age of majority, you can start your application online. You will, however, have to visit a branch to complete the account open process.
I do not live in Canada, How do I open an account?
If you are a Canadian resident, but don’t currently live in Canada, you can open an account using this online application tool.
If you’re not a Canadian resident, you can apply for an account using our non-resident application. Simply tell us that you are not a Canadian resident by answering NO when asked within the tool.
Why do you need to do a credit bureau inquiry?
We perform a credit bureau inquiry to help us identify you to make sure we are opening an account for you and no one else.
Will I need to go to the branch?
This application is designed for you to open an account online. If for some reason we need more information from you, we’ll ask you to stop into a branch for a quick visit to activate your account.
How long will it take to complete my application?
Our online application can be completed in about 10 minutes or less. Once your account is open, you can set it up in RBC Online Banking® and choose a Client Card PIN. Then you’ll be ready to start using your account right away.
Can I open a joint account online?
At this time, you can only open an account for yourself through this online application tool. You can add a co-owner to your account after opening it online, as long as that person is already an RBC Online Banking client.
Alternatively, please visit an RBC branch or give us a call at 1-866-864-8795 if you would like to open a joint account.
Why do you ask for Social Insurance Number?
We use your Social Insurance Number for tax-related purposes if you hold a product generating interest or income.
What will my email address be used for?

We ask for your email so that we can let you know about the status of your new account application. We may also use it to tell you about new product offers we think you’ll be interested in.

Keep in mind, RBC Royal Bank will never ask you to provide confidential information like your account number, PIN number or password through email. We also respect your privacy and personal preferences, which means you can unsubscribe from any email notifications that you no longer wish to receive at any time.

If you do not have an email address, you can visit your preferred branch to complete an application.

Is my personal information safe?

Your personal information is safe with us. At RBC, we are committed to your financial well-being, and protecting the privacy and security of the information you share with us is included in that commitment.

We diligently work to maintain our online security to the highest possible standards, and controls that we use to protect your information include:

  • Robust and multi-layered security of servers and applications
  • Multiple layers of internal and external firewalls which protect our online environments
  • Regular reviews to ensure our security and privacy policies and standards reflect our industry leading position
  • Use of Secure Socket Layer (SSL) 128-bit encryption to protect the information you send or receive from our secure sites

We encourage you to visit our Privacy and Security (opens new window) website to learn more about how we safeguard your information.

What are Electronic Statements and Notifications? How will they benefit me?

Electronic Statements and Notifications1

Electronic statements and notifications are an online version of your paper statements available in PDF format (Adobe* Acrobat* required). You can view, save or print them at your convenience. With this document option, you can also view digital images of your cheques at no charge. And the online 7-year archive gives you quick and easy access to your past statements.

1 "Notifications" are legal, regulatory and other important information that is delivered in a separate document or appears on the statements themselves, including, as applicable, changes to your account agreement, pricing changes, changes to your credit limit, interest rate, payment information, introduction to new fees or information about your statement.

Important information regarding electronic statements and notifications:

Once your new account is activated, you will need to enroll in RBC Online Banking^ to view your electronic statements and notifications. To change your document option from electronic to paper, simply sign in and, select "View and Manage Documents" under Account Services. You may also call us at: 1-866-864-8795 or visit a branch to request a paper statement. If you do not activate your RBC Royal Bank Online Banking service, or contact us to request paper statements, you will not receive a paper statement for this account.

How do I enrol for Online Banking and sign in?

Enrol for Online Banking (Auto-Enrolment or Self-Enrolment)

There are several ways to enrol in Online Banking, depending on your preference.


If you apply for a product online and your account is opened, you will be automatically enrolled in Online Banking. We will provide you with your personal client card number. Next, you will be asked to choose a password. Use your client card number and chosen password to sign in to Online Banking.

Once you have been enrolled through the auto-enrolment process, you do not need to go through the self-enrolment process listed below.


Complete the Online Banking registration process by following our simple onscreen instructions. You will need to provide the following information:

  • Your address
  • Your RBC Royal Bank account details
  • Answers to additional security questions
  • A password

Note: Only Personal Banking clients with a valid RBC Royal Bank Client Card can register online.

Enrol Now! (opens new window)

Enrol by Phone
Call us 24 hours a day, 7 days a week at 1-866-864-8795 and follow the prompts (TTY: 1-866-864-8795).

Enrol in Person
Come visit us at one of our many branch locations (opens new window) during operating hours.

Sign In to Online Banking
For instruction on how to Sign In to Online Banking, visit the Online Technical Tips (opens new window) page for more information.