Business accounts and services - RBC Royal Bank transaction fees fall below $9.00. 11 One debit or credit fee is waived for each $2,500 monthly balance on deposit. 12 The availability

Business accountsand services

1 Other fees and charges may apply, including transaction fees for fund transfers and bill payments when using Online Banking, Mobile Banking and Telephone Banking.

2 Transfer fees or other fees and charges may apply when transferring your pre-authorized transactions and bank accounts to us. The transferring financial institution or entity may impose these fees or charges. Royal Bank of Canada is not responsible for any such fees or charges, and you will be responsible for such fees or charges.

3 Channel savings only apply to standard account fees for credits and debits, and reflect choosing electronic transactions versus in-branch or paper-based transactions.

4 The RBC Business Essentials $6 Small Business Account is also known as the RBC Business Essentials Variable Pricing Account. Additional fees and charges will apply for services and transactions exceeding $6 per month.

5 The Night and Day Depository Service or standard pricing for such service may not be available in all areas. Other fees and charges may apply.

6 Free eStatement option and cheque images with Online Banking when paper statement is turned off.

7 Not all of the same functionality or features may be accessible or available at all times for all services or electronic channels. Additional fees and charges may apply.

8 Fee waiver applied only to minimum monthly fee when daily minimum balance is maintained for the entire month.

9 Fees are charged and payable in the currency of the account. 10 The minimum monthly fee applies if your minimum monthly balance falls below $2,500 or your

debit/credit transaction fees fall below $9.00. 11 One debit or credit fee is waived for each $2,500 monthly balance on deposit. 12 The availability of free reporting is subject to change at any time in Royal Bank’s discretion.

Additional fees and charges apply to balance and transaction reporting to other financial institutions and when using other products and services.

13 For information on current interest rates, how interest is calculated and what may affect this calculation, please visit your branch or call 1-800-769-2520.

14 On which the cardholder has signing authority.15 If there is more than one person accessing online banking, RBC Express is the online banking

service for you. Please call 1-800-769-2520 to speak with a business banking advisor. 16 Subject to approval and certain conditions apply. Additional fees and charges apply. 17 The RBC Mobile app and RBC Canada app are offered and operated by Royal Bank of Canada. 18 A fee of either $1.00 or $1.50 may be charged to the sender for each Interac e-Transfer. 19 Deposits to U.S. dollar accounts are not permitted at RBC Royal Bank ATMs.20 No matter when the account is enrolled for eStatements, the archive began June 2008. 21 Subject to certain conditions.22 All business loan products are offered by Royal Bank of Canada and are subject to its standard

lending criteria for business loans. Subject to credit approval. Some conditions may apply. Other fees will apply. Royal Business Overdraft and Royal Business OperatingLine interest must be paid monthly.

23 Subject to credit approval. 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 0.9% and 6.9%. Your premium will be calculated on an annual basis and could only change once a year. The Prime Rate may fluctuate from time to time. It can be found in all of our branches or online at www.rbcroyalbank.com/rates.

24 RBC Rewards points are earned on net purchases only; they are not earned on cash advances (including RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. All rewards are subject to availability. For terms, conditions and restrictions that apply to the RBC Rewards program, visit www.rbcrewards.com.

25 Coverage underwritten by RBC Insurance Company of Canada and RBC General Insurance Company. All insurances are subject to conditions and limitations. For terms and conditions, please refer to the insurance certificates that will come with your card.

26 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), an additional $1.00 back for every $100.00 (1% Cash Back Credit, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum Cash Back Credit of $500.00 per Annual Period, when you use your RBC Business Cash Back MasterCard to pay. 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 January monthly statement; and/or ii) be credited at any other time, upon request. Cash Back Credits are not earned on cash advances (including RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. The additional 1% Cash Back Credit welcome bonus is only applicable to Accounts opened before December 31, 2014; all Accounts opened after that date will earn 1% Cash Back Credit on all purchases. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbcroyalbank.com/cards/documentation.

27 This creditor’s group insurance plan is underwritten by Sun Life Assurance Company of Canada and is subject to terms, conditions, exclusions and eligibility restrictions. Please see the Business Loan Insurance Plan certificate for full details.

28 If your transactions exceed the stated limit of the plan, fees are charged for each additional transaction. Regular (paper-based) transactions will be applied first to the package limit.

29 Unlimited transferred-in credits from another RBC Royal Bank account in the same name.30 Available to Agricultural business clients who are eligible to participate in the Agriculture

and Agri Food Canada’s Growing Forward AgriInvest program.31 Electronic transactions include online bill payments, pre-authorized payment (PAPs) and point

of sale (POS) transactions. Standard account fees apply for cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), wire transfers, etc. when completed online.

Let us help you choose the right RBC business account for your needsn Use our easy online account selector tool

at www.rbcroyalbank.com/solutionselector

n Call a business advisor at 1-800 ROYAL® 2-0 (1-800-769-2520)

n Visit an RBC Royal Bank branch near you to meet with an advisor

The fees and charges in this brochure are Royal Bank of Canada’s standard fees and charges. This statement does not contain all of the charges for services provided by Royal Bank of Canada in respect of business deposit accounts. For information regarding charges not included in this brochure, please contact your RBC Royal Bank representative.

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.‡ All other trademarks are the property of their respective owner(s). VPS86191 86004 (02/2014)

Business accounts and services 3

Solutions tailored to your business needsWhether you’re just starting out or already running a successful business, having the right business banking package can make all the difference.

And while your RBC Royal Bank® day-to-day banking account includes RBC Royal Bank Online Banking for Business with mobile access and convenient eStatements, you may want to consider other banking services that can help your business run efficiently and productively.

This brochure has been created to help you identify the accounts and services your business could benefit from. It can help answer many of your questions, including:

n What do I need to open an account? (pages 4 and 5)

n How do I move pre-authorized payments to RBC Royal Bank? (page 4)

n How do I accept credit and debit card payments? (page 19)

n What are my credit options? (pages 19, 20 and 21)

n How can a business credit card simplify expenses and business expenditures? (page 20)

Use our easy online Business Solution Selector®

Find out which RBC Royal Bank account packages, products and services best suit your business needs in four easy steps! Visit rbcroyalbank.com/solutionselector. Or for more information, our business advisors are available 24/7 at 1-800 ROYAL® 2-0 (1-800-769-2520).

Business accounts and services 54 Business Financial Services

Canada’s bank for businessAll our clients enjoy:

n Access to RBC Royal Bank Online, Mobile and Telephone Banking1

n Convenient access to Canada’s largest combined network of branches and ATMs

n Service in more than 180 languages and support 24/7 from dedicated business advisors

Make the move to RBC Royal Bank today with CustomSwitch®

This service provides you with a convenient and hassle-free way to transfer your pre-authorized transactions, direct deposits and bank account balances to RBC Royal Bank from another financial institution.2

Documents you’ll need with you to open a business banking accountNo matter which business banking account you choose, please ensure that all individuals who are owners and/or signing officers attend and bring:

n Documents that provide their full legal name, date of birth and address

n Two pieces of unexpired, original identification for each owner/signing officer

– At least one of these must be photo identification

– At least one of these must be issued by a government authority

In Canada, you must also provide a few key documents to open your new business account. The table on the following page provides examples of the documents that may be required.

Documents required based on business structure

Sole proprietorships or partnerships

n Trade name registration or master business licence, if applicable

n Registered declaration of partnership or a copy of your partnership agreement (where provincial law does not require registration)

Corporations or incorporated not-for-profit organizations

n Articles of Incorporationn If you are incorporated for more than 12 months,

one of the following government-issued documents: – Certificate of Status (also referred to as a

Certificate of Good Standing or Certificate of Compliance)

– Annual government filing (where corporation has been in existence for more than a year)

– Business licence or vendor permits – Company’s most recent Notice of Assessment

(income tax assessment) – Business numbern Charitable registration number if registered as

not-for-profitn Trade name registration or master business

licence, if applicable

Unincorporated associations/community groups/ not-for-profit organizations

n Trade name registration or master business licence, if applicable

n Articles of Association or the association’s original constitution and bylaws

n Charitable registration number if registered as not-for-profit


Choose the right business banking accountHaving the right business account can make your day-to-day banking easier and more cost-effective.

To get started, ask yourself:

n Do I know my business’s monthly transaction volumes?

n Will my transaction volumes be fairly consistent from month to month?

n Do I plan to regularly maintain a higher balance?

n What are my banking habits? Do I prefer to transact in-branch, over the phone or online?

With an understanding of how you plan to transact, we can help you find the best banking package to suit your business needs — in four easy steps! Try our new Business Solution Selector at rbcroyalbank.com/solutionselector or call 1-800-769-2520 to speak with a dedicated business advisor today.

RBC Business Essentials $6 Small Business Account

Monthly fees and volumes

Package fee $6.00*

Included transactions

Your choice of transactions up to $6.00

Tier Credits or debits

Number Paper Electronic

1 1 – 10 $1.10 each $0.65 each

2 11 – 30 $1.05 each $0.65 each

3 31 – 100 $1.00 each $0.60 each

4 101 – 300 $0.95 each $0.55 each

5 301 plus $1.00 each $0.60 each

Items deposited $0.20 each

Cash deposited (Night and Day deposit5)

$2.00 per $1,000

Cash deposited (ATM) $2.15 per $1,000

Cash deposited (in-branch) $2.35 per $1,000

Account statement fees

Electronic statement6 No charge

Paper statement $2.00

* The RBC Business Essentials $6 Small Business Account is also known as the RBC Business Essentials Variable Pricing Account. Additional fees and charges will apply for services and transactions exceeding $6 per month.

RBC Business Essentials® $6 Small Business® Account4

This flexible account is ideal for start-up and growing businesses that typically have a variable or unpredictable number of monthly transactions. Your low $6 monthly fee can include up to seven transactions, and if you need more, you only pay for what you use — so your dollars can go farther. Plus, benefit from built-in discounts as your transaction volumes grow and savings of over 35%3 on certain account transaction fees when you bank at RBC Royal Bank ATMs or through Online or Mobile Banking.

Save time and money on your day-to-day banking RBC Royal Bank business accounts provide built-in discounts when you bank electronically. Automatically save over 35%3 on certain account transaction fees when you bank at RBC Royal Bank ATMs, through Online or Mobile Banking.


RBC Small Business eAccount

Monthly fees and volumesPackage fee NoneIncluded account transactionsDebits (electronic) UnlimitedCredits (electronic) UnlimitedThe following fees apply to transactions in excess of the included account transactionsPaper debits or cheques $1.50 each Paper credits or deposits $3.50 eachItems deposited $0.20 eachCash deposited (Night and Day deposit5) $2.00 per $1,000

Cash deposited (ATM) $2.15 per $1,000Cash deposited (in-branch) $5.00 per $1,000




* Electronic transactions include online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard account fees apply for cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), wire transfers, etc. when completed online.

RBC Small Business eAccount Designed with e-savvy small businesses in mind, this cost-effective account is ideal if you prefer to bank through self-serve, electronic channels7 such as RBC Royal Bank ATMs, Online or Mobile Banking.

n Unlimited electronic account transactions* when you choose to bank at RBC Royal Bank ATMs, online or using your mobile device

n No monthly fee, no minimum balance requiredn Service and support 24/7 from dedicated

small business advisors

The RBC Small Business eAccount is a cost-effective, non-interest-bearing-account option if you conduct most of your transactions online. However, if you foresee using non-electronic channels such as assisted in-branch banking, issuing more cheques and depositing cash often, we recommend choosing a different RBC Royal Bank account option.

RBC Business Essentials Fixed Fee PlansOur four fixed fee plans offer a range of transactions for a flat monthly fee with no minimum balance required. They are ideal if you have predictable monthly transaction volumes that are within the limits specified by your chosen plan.

Plus, save 40%3 on transaction fees when using RBC Royal Bank ATMs, Online or Mobile Banking.

RBC Business Essentials Fixed Fee Plans

Monthly fees and included transactions*

Monthly fee

Plan 1: $20.00

Plan 2: $35.00

Plan 3: $50.00

Plan 4: $75.00

Debits or cheques

Up to 20 Up to 35 Up to 50 Up to 75

Credits or deposits


Items deposited


Cash deposited

Up to $2,500

Up to $3,500

Up to $6,500

Up to $10,000

Monthly fee waiver8

n/a n/a $40,000 $65,000

The following fees apply to transactions in excess of the included transactions

Electronic debits or credits $0.65 each

Paper debits or credits $1.10 each



$2.00 per $1,000

Cash deposited (ATM) $2.15 per $1,000





* If your transactions exceed the stated limit of the plan, fees are charged for each additional transaction. To help reduce your fees, regular (paper-based) transactions will be applied first to the package limit.


RBC Business Essentials Savings AccountEarn interest on your surplus cash with the RBC Business Essentials Savings Account — the perfect complement to your day-to-day operating account.

For information on current interest rates, how interest is calculated and what may affect this calculation, please visit your branch or call 1-800-769-2520.

RBC Business Essentials Savings Account


Minimum or package fee None

Interest Yes


Debits or cheques Two (electronic or paper)

Transferred-in credits (from another RBC Royal Bank account in the same name)

Unlimited


Debits or cheques$3.50 each (electronic or paper)

Credits or deposits(excludes transferred-in credits)

$1.00 each


Cash deposited $10.00 per $1,000




U.S. Business Current Account9

Do you have customers or suppliers in the U.S.? Benefit from the many convenient and flexible day-to-day banking features with this account.

This account is the right choice if you need to:n Make payments using U.S. dollar cheques,

wire transfers and draftsn Maintain U.S. dollars when you deposit them

— it gives you the convenience of not having to convert currency for each transaction

U.S. Business Current Account


Minimum fee $9.0010


Debits or cheques $1.1011 each

Credits or deposits $1.1011 each



$2.00 per $1,000





Simplify your U.S. dollar bankingIf you have a U.S. Business Deposit Account, banking online can help simplify the process of working with two currencies.


Online Foreign Currency AccountThe Online Foreign Currency Account can help you minimize foreign currency risk and gain business efficiency. It is a cost-effective and secure web-based self-serve application for businesses that regularly deal in currencies other than the Canadian or U.S. dollar. Please speak with your relationship manager to determine if your business qualifies to use this account.

Services Fees (payable in CAD)

Monthly fee$15.00 (includes one monthly free debit)

Outgoing wire or account transfer

$10.00 plus standard wire fees

Incoming wire $15.00

Incoming transfer from RBC CAD/USD account

$10.00

Interim statement (ad hoc or scheduled)

$6.00

Reporting of balances and transactions12 in RBC Express®

Free for clients enrolled in RBC Express Balance and Transaction Reporting

Reporting of balances and transactions to another financial institution

$150.00 for set-up $80.00 monthly $0.035 per transaction

Bank draft (current availability is limited)

Not available (online transactions only)

Chequing n/a

Deposit paper item (RBC or non-RBC issued)

n/a

Royal Business Community Account®

The Royal Business Community Account offers an exceptional value for smaller regional and local not-for-profit organizations with low transaction volumes.

Royal Business Community Account


Package fee $3.75*


Debits or cheques Up to 10

Credits or deposits Up to 5

Items deposited Up to 10

Cash deposited Up to $1,000


Debits or cheques $0.60 each

Credits or deposits $0.60 each


Cash deposited (ATM, in-branch and Night and Day deposit5)

$1.39 per $1,000




Special features included:– Monthly fee waived for the first three months

if within the above limits– Fees waived for first 25 personalized, duplicate

cheques and deposit slips

* If your transactions exceed the stated limit of the account, fees are charged for each additional transaction.


RBC AgriInvest AccountThis business deposit account is designed specifically for agricultural clients who are eligible* to participate in the Growing Forward AgriInvest program. This savings account provides farmers with flexible coverage for small income declines, as well as support for investments to both mitigate risks and improve market income.

With this interest-bearing, no-fee account**, farmers deposit money up to the allowable limit* to receive matching government contributions to manage risk and cover small income declines.

RBC AgriInvest Account


Minimum or package fee None


Electronic debits or credits No charge

Paper debits or credits No charge

Items deposited No charge

Cash deposited (ATM, in-branch, Night and Day deposit5)

No charge

Interest13 Yes



Paper statement No charge

* Eligibility and allowable limit are determined by the provincial and federal governments. For more information, visit www.agr.gc.ca/agriinvest. In Quebec, AgriInvest is delivered provincially by La Financière agricole. For more information, visit www.fadq.qc.ca.

** Additional fees apply for services and transactions other than the ones listed.

Interest ratesFor information on current interest rates, how interest is calculated and what may affect this calculation, please visit your branch or call 1-800-769-2520.

Bank when and how you wantKeeping on top of your business is easy at RBC. See how our Business Banking Client Cards, Online Banking and Mobile Banking give you savvy choices to manage your business the way you want.

Suite of Business Banking Client Cards Get your cards today for greater convenience — at no extra costAccess your money 24/7 with the RBC® Business Banking Client Card suite. With point-of-sale access for making those important purchases with your debit card any time of day or night, it’ll keep your business running smoothly. Feel protected with the safety and security of chip-enabled technology.

You’ll also get an easier way to track expenses, perform audits and conduct account reconciliation. Each account statement will display the unique code of the card used for each transaction.

Each card matches the need of the user*

Easy identification at RBC Royal

Bank branches and

full access to all14

business accounts

ATMsPurchases made with debit card

Online and telephone banking

Primary Business Client Card

Additional Business Client Cards

Enrol in RBC Express if more than one person

needs access to online banking15

Deposit-Only Agent Cards

(at RBC Royal Bank ATMs)

* Note: Deposit-Only Agent Cards issued prior to the launch of the new suite of Business Client Cards will still remain active and will not include the new features and tracking functionality.


Keeping your business efficient Primary Business Client Card. One primary card that gives you full-function access to all your business accounts. Manage your banking at the branch, make deposits or withdrawals and transfer funds at ATMs, and perform point-of-sale purchases. Plus, you’ll have access to RBC Royal Bank Online Banking, where you can pay bills, transfer funds and keep track of all your transactions. Not near a computer? Do your banking over the phone with Telephone Banking or use RBC Mobile on your mobile device.

Additional Business Client Cards. This card is created for those who have signing authority on your business account(s). This card enables holders to access the account(s) at any RBC Royal Bank branch, make deposits or withdrawals at any ATM, as well as make point-of-sale purchases. The daily maximum limit assigned to the Primary Business Client Card for the account(s) is shared by any and all Additional Business Client Cards. A unique code identifying each Additional Business Client Card on your statement will allow easy reconciliation for recordkeeping and audit purposes.

Deposit-Only Agent Cards. This card is meant for those who only make deposits to select primary business account(s) on your behalf at any RBC Royal Bank ATM. This card offers no withdrawal capabilities or access to balance information. A unique code identifying each Deposit-Only Card on your statement will allow easy reconciliation of transactions and an audit trail.

Online BankingRBC Royal Bank Online Banking services can save you more than a trip to the branch. n Avoid late fees and last-minute dashes to the

bank to pay your bills, suppliers and employees. n Remit and pay most federal and provincial

business taxes online, on your schedule. n Easily transfer funds between a number of your

RBC Royal Bank accounts.n Avoid waiting for your paper statement to arrive

in the mail by viewing your important account information such as balances, transactions and eStatements online, helping you reconcile easily and quickly.

n Plus, delegate banking to others and manage accounts of multiple companies/entities using customized online banking with RBC Express®.16

Mobile BankingGet the flexibility and convenience of banking anywhere, anytime on your schedule with the RBC Mobile app.17 It’s safe and gives secure access to your accounts from just about anywhere. With the free RBC Mobile app17 for iPhone‡, iPod touch‡, iPad‡, BlackBerry‡ and Android‡, you can:

n Transfer money between your RBC accountsn Check your account balancesn View account activity n Pay your billsn Review your transaction historyn Send Interac‡ e-Transfers18

n Find RBC Royal Bank branches or ATMs using your device’s GPS

To download the app, text “RBC” to 722722

Save time and money on your day-to-day banking RBC Royal Bank business accounts provide access to lower cost fees when you bank electronically — at RBC Royal Bank ATMs or through Online or Mobile Banking


ATMsWith one of the largest automated teller machine (ATM) networks in the country, you’ll always have quick and convenient access to your RBC Royal Bank accounts and our wide array of ATM banking services.

n Deposit cheques and cashn Withdraw cash, pay bills and transfer funds

between accountsn Receive same-day credit on deposits made at

RBC Royal Bank ATMs before 6 p.m. local time during business hours

n Receive a paper transaction completion receiptn View ATM-deposited cheques via Online Banking

for Business — free when enrolled in eStatements n With a U.S. dollar account, withdraw cash, pay bills

and transfer funds between U.S. dollar accounts19

Secure night and day depositingLocated at most RBC Royal Bank branches, our Night and Day Depository Service5 offers you the convenience of being able to drop off deposits securely, 24/7.

eStatements for business accountsLet RBC Royal Bank be your secure filing cabinet, providing you with up to seven years of eStatements in our secure archive — from June 2008 onwards.20 View eStatements and individual cheque images (front and back) for free when your paper statement has been turned off. eStatements contain identical information as paper statements, and they are accessible anytime, anywhere you are signed in to your secure online banking site. If you’re not enrolled, it’s as simple as going online, calling 1-800-769-2520 or stopping by your RBC Royal Bank branch.

Investments for your business When you decide to buy an RBC Royal Bank GIC, your money is safe and guaranteed.

You will be in control of how you access, update, change and redeem your investment. We will provide you with the financial advice you need to make the right choice and meet your expectations for liquidity, rate of return, operating and surplus cash.

Visit www.rbcroyalbank.com/businessgics to learn more.

Foreign exchange servicesIf you are transferring funds between your Canadian and U.S. dollar accounts, or sending a payment internationally, RBC Royal Bank will provide you with competitive foreign exchange rates for more than 30 currencies. We can help you manage your foreign exchange risk by providing you with sound professional advice.

Moneris Solutions‡ — Debit and credit card payment processing has never been easierCanada’s leading payment processor is your single point of contact for Visa‡, MasterCard‡, Discover‡,

Amex‡, Interac and all point-of-sale solutions. There’s no need to reconcile multiple accounts or service fees, and in most cases,

you’ll have next business day access to your funds.21 No matter what size or

type of business you run, Moneris has the perfect solution to simplify your card payment processing to enable you to focus on managing your business.

Credit options to manage your business22

Most businesses experience peaks and valleys in their cash flow. By using convenient and flexible credit options and payment schedules, you can be ready with cash on hand when you need it.

RBC Visa CreditLine for Small Business™

No annual fee. Low interest rate.23

Get the functionality of a line of credit at competitive interest rates with the convenience of a credit card with the Visa CreditLine for Small Business. Plus, you’ll earn RBC Rewards® points24, redeemable for travel, merchandise, gift certificates and more, when you make purchases with your card.


* Annual cash back cap: $500.

Royal Business Overdraft ProtectionShort-term cash flow management made simple.You can eliminate day-to-day account balance concerns with Royal Business Overdraft Protection on your business loan.22 Overdraft protection allows you to extend your cash resources when you need to, giving you peace of mind while helping to protect your business’s reputation and credit rating.

Business credit cardsGet the right credit card to meet your business needs.Separate your business from your personal expenses and manage your business cash flow needs with an RBC Royal Bank business credit card.

n RBC Visa Business Platinum Avion®. Earn valuable RBC Rewards points24 that let you fly any airline, any flight, anytime, and enjoy a built-in suite of premium insurance coverage.25

n RBC Business Cash Back MasterCard. A no annual fee card that allows you to earn cash back* on every purchase26 — perfect for small business owners.

n RBC Visa Business Card. A flexible and affordable solution that offers travel assistance as well as Purchase Security and Extended Warranty25 Insurance.

Operating line of creditNo matter what business you’re in, you need reliable cash flow to succeed. Supplement your cash flow with a Royal Business OperatingLine®; it’s always there when you need it.22

Fixed-rate loansDepending on your needs and long-term plans, fixed-rate22 loans are available. You’ll have the power to buy what your business really needs to grow, plus you will have the cash to cover your monthly expenses.

Talk to an advisorOur RBC Royal Bank business advisors are always available 24/7 at 1-800 ROYAL® 2-0 (1-800-769-2520). They’ll work with you to understand your business and make suggestions about the accounts and services to help you manage your day-to-day banking needs.

Variable-rate loansTake immediate advantage of fluctuating interest rates with a variable-rate loan. It gives you the flexibility to pay the loan off in partial or full payments without penalty.

Canada Small Business Financing LoanYou can get the financing you need to help you grow with a Canada Small Business Financing Loan. If you qualify, your loan may be guaranteed by the federal government and can cover up to 90% of eligible expenses, with flexible payment terms of up to 10 years.

Business insurance — Protecting your investmentProtect up to 25 people (including yourself) who are critical to the management of the company with life insurance coverage, and protect up to three business owners with disability insurance coverage on your business loans and mortgages with RBC Royal Bank Business Loan Insurance Plan.27

The Business Loan Insurance Plan helps provide financial security for your business if you or a key member of your management staff passes away or if an owner becomes disabled. By paying off or covering the payment on outstanding business loans, it can help keep your personal savings and business investments intact and ease financial distress.27


Travel insurance — Protection while you travelEven the most experienced traveller knows that the unexpected can happen. And if you need emergency medical attention in another country, you could be forced to pay a hefty bill out of your own pocket — before you’re allowed to leave that country. That’s why it’s a smart idea to be prepared and protect yourself and your family with coverage you can count on: Travel HealthProtector®

insurance. Whether you’re going to another continent, province or just across the border, you’ll need emergency medical coverage like the kind Travel HealthProtector insurance provides. It picks up where your government health plan leaves off.

Information to help you manage your businessOur series of RBC Royal Bank guidebooks provides useful information on a wide range of business management topics. Download yours free today at www.rbcroyalbank.com/business/resources.

Starting a businessLearn how to build a healthy business by acknowledging challenges you may face and opportunities you can pursue.

Growing your businessTips and strategies that’ll help you identify growth opportunities and finance business expansion, helping your business grow toward long-term success.

Personal financial management for business ownersLearn how to plan tax and credit strategies for today, while creating an investment and savings plan for tomorrow.

Succession planning for your businessHaving a business succession plan that clearly outlines your intentions and goals, as well as knowing what questions to ask yourself, will provide comfort for the future.


26 Business Financial Services

At a glance: RBC Royal Bank

Other AccountsU.S. Business Current

Account9

Monthly fee $9.0010

Debits $1.1011 each

Credits $1.1011 each


Cash deposited5

from $2.00 per $1,000 (for Night and Day

deposit)

Interest13 n/a

Day to Day AccountsRBC Small Business

eAccount

Designed forOnline-savvy

small-business clients

Key benefits Unlimited electronic account transactions31

Monthly fee $0

Debits Unlimited electronic

Credits Unlimited electronic


Cash deposited5 from $2.00 per $1,000 (for Night and Day deposit)

Balance fee waiver8 n/a

Business Accounts

RBC Business Essentials

$6 Small Business Account4

RBC Business Essentials Fixed Fee Plans28 Royal Business Community

AccountPLAN 1 PLAN 2 PLAN 3 PLAN 4

Start-up and growing businesses

Businesses with low to medium

banking transaction volumes

Businesses with medium


Businesses with medium to high


Businesses with high


Community-based, not-for-profit organizations

Flexible and affordable

Value-priced for businesses with predictable transactionsCost-effective for

specialized needs

$6.00 $20.00 $35.00 $50.00 $75.00 $3.75

Monthly fee acts as a credit toward service

and transaction charges. Additional

transactions are pay-as-you-go.

Volume and channel discounts for debits

and credits

Up to 20 Up to 35 Up to 50 Up to 75 Up to 10

Up to 15 Up to 35 Up to 50 Up to 75 Up to 5

$0.20 each Up to 20 Up to 40 Up to 60 Up to 85 Up to 10

from $2.00 per $1,000(for Night and Day Deposit)

Up to $2,500 included





n/a n/a n/a Yes Yes n/a

RBC Business Essentials Savings AccountRBC AgriInvest

Account30

$0 $0

Unlimited transferred-in credits29 +

Two debits or cheques

No charge

No charge

$1.00 each No charge

$10.00 per $1,000 No charge

Yes Yes

For additional information and fee details, please refer to the respective account pages within this brochure.

Most popular account

ContentsSolutions tailored to your business needs 3

Documents you need to open your account 4

Choosing the right business account 6

RBC Business Essentials

$6 Small Business Account 7

RBC Small Business eAccount 8

RBC Business Essentials Fixed Fee Plans 9

RBC Business Essentials Savings Account 10

U.S. Business Current Account 11

Online Foreign Currency Account 12

Royal Business Community Account 13

RBC AgriInvest Account 14

Bank when and how you want 15

Suite of Business Banking Client Cards 15

Online and Mobile Banking 17

RBC Royal Bank Automated Teller Machines 18

Investments for your business 18

Foreign exchange services 19

Card payment processing — Moneris Solutions 19

Credit options to manage your business 19

Business and travel insurance 21

Information to help manage your business 22

Business accounts at a glance 26

Business accounts and services 26