Rbc company rbc oliver square 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. With a full suite of best-in-class products for your personal banking, lending and wealth planning needs, your City National team is fully equipped to help create the perfect plan. Loans & Lines of Credit. Personal Savings. International Banking. Investment Management. Preferred Banking. Expert Insights. Personal Wealth.

Rbc student visa rbc mutual fund performance

Every year millions of students leave their home countries to go to study in the U. There are 3 types of student visas depending on the duration and type of course applied for. F VISAThese visas are for students who pursue an academic degree at a US accredited university or college or wish to study English at a university or English Institute. M VISAThese visas are issued to students who wish to pursue Non- Academic, Vocational studies or Training at a US accredited institution. A major struggle with regards to this is procuring the U. To study in the USA, the 2 types of visas that are of relevance are Work Visa and Student Visa. One has to struggle a lot to getting into the universities in US. These may differ depending upon the different courses and universities in the U. M visa holders must not live in the USA for more than a year. M visas are of 3 types Studying in the USA and then working there is the ultimate goal of many international students. Applying for the US work visa immediately after the degree completion is the major concern of all the international students. A visa application process may seem a little complex, but if a student understands all the processes and requirements involved carefully he will not face any hindrances to get a visa to study in US. H1-B is the most sought out visa for most of the Non-US citizens. We recognise the financial impact coronavirus is having and we’re doing everything we can to help. Please only call us if it’s urgent, so we can help those most in need. Rbc student visa rbc bank open RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student upon presentation of student identification. Must be 13 years of age or above. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank. RBC Training Ground is a talent identification and athlete funding program designed to uncover athletes with Olympic potential. Financial Products & Services – Canada. Investing at RBC. Investing at RBC. RBC Global Asset Management. For RBC Insurance, please visit. Wealth Management. RBC Wealth Management. Capital Markets. RBC Rewards is a rewards program that lets you earn RBC Rewards points when you use an eligible RBC Rewards card. You simply pay for purchases with your card, earn points on those purchases, and then redeem your points for rewards like gift cards, travel and merchandise. To make a free collect call, contact your Telephone Directory system or an International Operator to obtain the International Access Code or other unique dialing codes that may apply in your country. Available only to (i) Newcomers to Canada who arrived within the last 5 years and (ii) for non-credit card accounts. This offer may be withdrawn at any time and is subject to change without notice. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. An RBC Royal Bank credit card with no credit history required is available to (i) permanent residents and international students who arrived in Canada within the last 12 months, and (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria. You may be eligible for an RBC Royal Bank personal automotive car loan even if you have no Canadian credit history. Available to permanent residents and temporary foreign workers who have been in Canada less than 3 years. Maximum financing term is 96 months with a maximum loan amount of $75,000. No credit history required on vehicles less than 10 years old, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. You may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan, even if you have no or thin Canadian credit history, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada and do not have adverse credit bureau information . All residential mortgages and lending products are provided by Royal Bank of Canada are subject to its standard lending criteria. Available to permanent residents who have been in Canada less than 5 years. To take advantage of these offers, you must show proof of entry into Canada and provide supporting documents such as a passport, and landing papers (work permit/visa) or Canadian permanent resident card. Additional documents may be required to validate down payment funds sourced from another country. For applications that result in a written mortgage pre-approval or approval, containing an interest rate commitment, the interest rate is guaranteed for up to 120 days from the rate commitment. The mortgage must fund within 120 days from the start of the rate commitment. See your RBC mortgage specialist or find an RBC mortgage specialist Monthly fee will be waived for the first twelve months upon account opening of the RBC No Limit Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $10.95 for the RBC No Limit Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC No Limit Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in note 1. See complete terms and conditions Debit transaction means a withdrawal of funds from an account and includes an assisted transaction and an electronic self-serve transaction. RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized or self-serve RBC Royal Bank credit card payments, contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) and electronic self-serve fund transfers from your savings account to any account in your name are free of charge. All other Debit Transactions from any Savings Account are counted as Debit Transactions in the account and give rise to an Excess Debit Transaction Fee, if any free monthly Debit Transaction is exceeded. If for any reason you do not come to Canada, we will reimburse you the principal and any accumulated interest at any time. You agree to pay the wire transfer fees that apply to the return of the funds to you. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded. RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student 13 years of age or above. Students who are 25 years of age or older must present proof of student status each year to maintain their eligibility for a student account. International Money Transfer is available for a $13.50 CAD per transaction fee. Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per day. Transfers can only be made from Canadian dollar bank accounts. The service is not available to recipients in Canada and in restricted countries. You cannot send an International Money Transfer from a U. dollar account or the RBC High Interest e Savings account. To receive the 20,000 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points offer is only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder as well as existing RBC Avion Visa Business cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. RBC Royal Bank reserves the right to withdraw this offer at any time, even after acceptance by you. Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year. Available only to newcomers (please see the newcomer eligibility requirements in disclosure 1) who become RBC clients between April 1, 2020 and September 30, 2020 (Promotional Period) by opening an RBC Advantage Account, RBC No Limit Banking Account, RBC Signature No Limit Banking Account or RBC VIP Banking Account (each an Eligible Personal Banking Account). Rebates for International Money Transfer (IMT) transaction fees will be given for up to 12 months from the date of account open, with up to 2 IMT transactions per month (for a total of 24 IMT transactions) for RBC No Limit Banking & RBC Signature No Limit Banking Account holders and up to 3 IMT transactions per month (for a total of 36 IMT transactions) for RBC VIP Banking Account holders (the Promotional Offer). Rebates to be applied to the Eligible Personal Banking Account within 45 days of a qualifying IMT transaction. Offer applies only to the first personal banking account opened per newcomer during the Promotional Period, no matter how many Eligible Personal Banking Accounts one may open during the Promotional Period. If the first personal banking account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is subsequently opened. Offer does apply if the first non-eligible account is upgraded to an Eligible Personal Banking Account within 30 days of the non-eligible account being opened, provided that both the non-eligible account is opened and the upgrade to an Eligible Personal Banking Account is completed within the Promotional Period. Offer applies to only one account opening during the Promotional Period per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and by more than one co-owner newcomer. In this case, only the co-owner designated as the Primary Owner at the time of opening of the jointly-held Eligible Personal Banking Account will qualify for the Promotional Offer. Eligible Personal Banking Account must remain open and in good standing to receive the rebate. If an Eligible Personal Banking Account is downgraded to an ineligible account or closed, the Promotional Offer will cease to apply as of the time of downgrade or closure and unrebated transactions will not be credited. If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you: Subject to credit approval You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. If you have questions, please speak to your branch. RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. Open an eligible business deposit account for your first business in Canada and receive a $50 bonus which will be credited to your new business deposit account within 90 days. Eligible business deposit accounts include: RBC Digital Choice Business account package, RBC Flex Choice Business account package and RBC Ultimate Choice account package. This offer is only available to Small Businesses registered in Canada by newcomers who have been in Canada for 5 years or less. This offer cannot be combined with any other offer. The account must remain open for at least 6 months from the date it was opened. If the account is closed within 6 months, Royal Bank of Canada reserves the right to recover the full cash credit. RBC can amend or withdraw this offer at any time without notice. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Cannot send funds from a US dollar account, or the RBC High Interest e Savings account. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. RBC Canada, RBC Wallet, RBC Rewards and RBC e Gift are operated by Royal Bank of Canada. RBC Online Banking and Telephone Banking are provided by Royal Bank of Canada. Transaction fees may apply for bill payments or fund transfers made through Online Banking and are separate from access fees. Apple, Apple Pay, i Phone, i Pad and Mac Book Pro are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. All other trademarks are the property of their respective owner(s). View the full list of Terms and Conditions for use of RBC Royal Bank credit cards You must open an RBC business banking account within 60 days of completing your business registration or incorporation with Ownr. You must log back into your Ownr account and click ‘Refund Me’ to receive a credit on your credit card account. Your credit card account will be credited within 7–10 business days from requesting refund. Ownr offer may be revised or withdrawn at any time without notice. Wave’s invoicing software, accounting software and receipt scanning are free. Wave credit card processing is a pay-as-you-go service at 2.9% 30 cents per transaction for all credit cards, with no additional fees for normal transaction processing. Wave’s bank payments feature is a pay-as-you-go service at 1% per transaction. For more information visit https:// ATM use outside Canada Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol and any fees that may be imposed by any third party for using the ATM are converted to Canadian dollars at an exchange rate that is 2.5% above the benchmark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle ATM - Unlimited banking transactions including and PLUS System network fees waived ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. network access fee for RBC VIP Banking account holders, if used. ATM operator surcharge (also called convenience fee) charged by other ATM operators may apply. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. The interest rate is an annual interest rate and a simple interest calculation. Interest is calculated daily on the closing credit balance. Deposit interest is paid monthly to the account on the second business day of the following calendar month, backdated to the previous business day. Interest rate is subject to change at any time without notice. will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make up to a maximum of $6,000 per Annual Period; ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited; iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). Royal Bank of Canada (“Royal Bank”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit com/nofeecashback You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa's “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. RBC Rewards points are earned on net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. Down payment of less than 20% of the value of a property requires a maximum 25-year amortization and will not qualify for a 30-year amortization. In addition, if your down payment is less than 20%, you must pay a mortgage default insurance premium charged by a mortgage insurer. This insurance protects the financial institution if you ever default on your mortgage. Available for Conventional Newcomer Equity and Standard Programs. This is provided for informational purposes only and is not intended as legal or other professional advice. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. This information is in summary form and is intended for general guidance and information only. It is not intended to provide financial, legal or other advice. It should not be regarded as comprehensive or a substitute for professional advice. This publication provides general information only and is not intended to provide specific advice. Not intended to offer services or solicit customers where prohibited by law. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. Offer may be changed or withdrawn at any time, without notice. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. Not available in combination with any other rate discounts, offers or promotions. There are penalties if excess contributions are made. Income earned in an RESP is tax-deferred in Canada. If a Canadian resident is subject to taxation on their world income in another country (e.g. There are penalties if excess contributions are made. based on citizenship), the TFSA income may not be tax-free in that country. If a Canadian resident is subject to taxation on their world income in another country (e.g. taxpayers who contribute to RESPs need to comply with U. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. based on citizenship), the RESP income may not be tax-free in that country. When you use Virtual Visa Debit to make a payment: a) The merchant performs an authorization on your personal deposit account at the time of the purchase and this authorization amount is immediately debited from that account. This process is followed by a settlement, typically 2-5 business days after authorization, which finalizes the amount of the purchase and, in some cases, reflects adjustments to the initial authorization amount. When this happens, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final settlement amount of your purchase. b) The funds are debited from your personal deposit account, which is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a point-of-sale terminal or at an ATM. If the account linked to the primary chequing position on your Client Card is changed before a payment has been settled, it may impact the processing of that payment if the merchant needs to adjust the initial authorization amount. The final settlement amount will be processed on the account that is linked to the primary chequing position on your Client Card at the time of settlement, even if a different account was debited for the authorization amount. Please see your RBC Royal Bank Virtual Visa Debit Agreement for further details. Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. When you use your Virtual Visa Debit Number for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays Visa International, a subsidiary of Visa Inc., on the date of the conversion. For most transactions, the authorization amount debited by the merchant at the time of purchase will be adjusted at settlement to reflect changes in the applicable exchange rate. You will earn i) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) and, ii) for the first 3 full monthly statement periods (approximately 3 months from the date your Account is opened), you will earn an additional $1.00 back for every $100.00 (1% Cash Back Credit welcome bonus, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum combined Cash Back Credit of $650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For clarity, the additional $1.00 Cash Back Credit welcome bonus will only apply for the first 3 full monthly statement periods in your first Annual Period. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: com/cashbackterms To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). You must be enrolled in RBC Online Banking in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail The annual contribution limit is $5,500. This limit will rise along with inflation in future years, in $500 increments. In addition, you can carry forward unused contribution room indefinitely. Previous contribution limits were $5,5 and 2017, $10,0, $5,5 and 2014, and $5,000 for the years 2009 to 2012. Your TFSA contribution limit is tracked by the Canada Revenue Agency (CRA); if you are unsure of your limit, please check with the CRA. To participate in this offer as an RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) ("Eligible RBC Card"). When you participate in the Linked Loyalty Program as an RBC business client, you will only be able to link up to two (2) eligible business RBC credit cards and one RBC client card to a Petro-Points account. You must be enrolled in RBC Online Banking for Business in order to link. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusiness Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: com/cashbackterms Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), To get a short-haul flight to any adjoining province/state in Canada or the U. S., you will need a total of 15,000 RBC Rewards points, for a maximum ticket price of $350. To receive the 15,000 bonus RBC Rewards points which will appear on your first statement, your application form must be approved by us. Additional cardholder(s), as well as cardholder(s) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Avion Visa Infinite card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with another offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit https:// Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Avion Visa Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Avion Visa Business card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. All insurance is subject to limitations and exclusions. Insurance benefits are available to Canadian residents only. Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates included in your Welcome Kit for complete details. The length of hold will be four (4) business days after the day of the deposit if the cheque or other negotiable item is deposited in person with an employee at one of RBC’s branches or points of service and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will be five (5) business days after the day of deposit if the cheque or other negotiable item is deposited in any other manner, such as at an Automated Teller Machine (ATM) or using our Mobile Cheque Deposit service, and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will also be five (5) business days after the day of deposit if the cheque or other negotiable item is in U. dollars and drawn on a Canadian branch of a Canadian financial institution. The length of hold will be fifteen (15) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a U. bank and is deposited at a Canadian branch of a Canadian financial institution. The length of hold will be twenty-five (25) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a foreign bank other than a U. bank and is deposited at a Canadian branch of a Canadian financial institution. To receive the 2,500 bonus RBC Rewards points, your application form must be received and approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards Visa card cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 2.9% and 11.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. It can be found in all our branches or online at Offer available to newcomers who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between March 23, 2020 and December 31, 2020 (“Promotional Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Promotional Period. Only RBC newcomer clients who do not have an RBC personal deposit account at the start of the Promotional Period and have otherwise complied with the terms of the offer are eligible for this offer. TELUS is not responsible for determining eligibility for this offer. TELUS $50 Prepaid Top-Up offer valid for activation until December 31, 2020. Once the Prepaid Top-Up offer has been activated, it will be available for use for a period of 60 days from the time of activation, and any unused portion of the top-up will expire after 60 days unless another top-up or 30- day rate plan is purchased within 7 days of expiry date. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. A $10 credit will be applied to your TELUS account within 30 days after activation and again within 30 days of each date that you renew your plan to a total value of $120. This offer may be withdrawn at any time and is subject to change without notice. TELUS, the TELUS logo, the future is friendly and are trademarks of TELUS Corporation, used under license. If you do not top up your account each month and renew on a 30-day $35 and up rate plan, you will not receive the subsequent credits. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. This offer is available to any Eligible Student Clients which for purposes of this offer includes international students (refer to ^) without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three year period before the start of the Promotional Period, and who otherwise comply with the Terms of the offer. The Bonus Offer is $60 with an RBC No Limit Banking for Students account (monthly fee of $10.95) or $60 with an RBC student banking account. You must open your first new Eligible Personal Banking Account by PM EST on June 30, 2020 and complete two of the following Qualifying Criteria by PM EST on August 31, 2020 using your Eligible Personal Banking Account: mobile cheque deposit, Flash, Apple Pay, Google Pay, Samsung Pay or with the RBC Wallet. Qualifying Criteria can be made within RBC Online Banking, RBC Mobile Banking or with your RBC Client Card. Transactions made in branch or through the ATM network, as well as bank fee transactions, are not included as a qualifying transaction. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Request a Skype Appointment Starting April 20, the GMAT Online will be available. For all applicants to the Edwards MBA for September 2020, we will now also accept the GRE at Home. Note that your GRE score must be equivalent to a minimum GMAT 500 score, and we do recommend a minimum score of 550. To assess scores, we will use the GMAT to GRE Conversion Tool. You will be required to upload a copy of your GRE score to your application, and if accepted to the program, provide an official copy. Please note we have also adapted our English Language Proficiency requirements to offer more options to fulfill this requirement. We are now accepting the following for September 2020 admission: We thank you for your efforts in putting together your application for the Edwards MBA program, and we look forward to continuing to work with you to complete your application. While the Edwards MBA staff are working remotely, recruitment and admissions are still ongoing for September 2020 start, and we will keep all of our active applicants informed of any information they will need to know. In addition, for current students, the Edwards MBA program has continued on with its delivery, just in a remote format. Please do not hesitate to contact us should you have any questions or concerns: mba@edwards.Regards, Courtney Schroeder, B. Comm, MBA Manager, Edwards MBA and MSc Programs The Edwards Master of Business Administration program is a transformational experience that focuses around teambuilding, leadership and business strategy. You will learn the people skills of management such as how to manage, how to communicate effectively, and how to lead. Our students develop management skills that are both integrative and strategic, gaining a deeper understanding of organizations and their local and global context. Graduates then enter their professional endeavors with confidence, integrity and accountability. Faculty and colleagues within the Edwards MBA program will become valuable business contacts and life-long friends. Did you know that you don't have to have a bachelor's degree in Business to get an MBA? Lots of our students have bachelor degrees from non-business disciplines but want to learn the business skills that they'll need to succeed in their industries. "I entered the Edwards MBA program to expand my understanding of business and enhance my career opportunities. I've found that the classroom experience offers a depth of knowledge and perspective that complements my analytical skills gained from the Engineering program. The part-time program is convenient for me to continue to work as an engineer while advancing my education. This program has given me a broader view of the business world and how to work effectively in all areas of it. I highly recommend the Edwards MBA to any engineer looking to advance their career." The Edwards MBA can be completed in only 12 months if taken full time, or part time in up to 36 months. Its intensive and highly integrated format will develop your management ability in an applied and useful way. More than that, you will learn the people skills of management such as how to manage yourself, how to communicate effectively and how to lead. A decidedly unique aspect of this innovative MBA program is the focused learning and integration of business concepts. Each course is offered consecutively in a modular format. Courses are scheduled in three week durations creating an intensive learning environment that immerses students in the subject area while allowing flexibility in scheduling your MBA education. Furthermore, our students learn how business concepts are integrated into business decisions through a combination of applied courses, exercises, case studies and projects incorporating each functional business area. The modular system is developed for students to accommodate their studies around their lifestyle. Those who prefer an intensive experience can complete the MBA program full-time in 12 months. Students who are working can choose the part time program and take up to 36 months to complete an MBA. A student who selects the part time plan can also later choose to fast track their studies to complete the degree in a shorter time period. With a variety of scheduling options, pursuing a Master of Business Administration at the Edwards School of Business can be effectively integrated into career goals to provide a transformational educational and life experience. Edwards School of Business has worked with three other colleges at the University of Saskatchewan to develop combined degree options! You can now gain your MBA while working towards your Doctor of Medicine (MD), Doctor of Veterinary Medicine (DVM), or Juris Doctor (JD). Click on one of the pages to your left to learn more about each combined degree. The Edwards MBA Program begins in September every year. Applications for the 2020-2021 Academic Year are now being accepted. Space permitting, applications will be accepted on a rolling basis throughout the year. International applicants must apply by this date to accommodate the visa process. If visa documents are in order, international applicants will still be accepted until May 31, 2020. Applications are accepted on an ongoing basis and are evaluated in the order in which they are completed. Therefore, it is to your advantage to submit your completed application as early as possible, as enrollment is limited. The admission process is competitive and later applications are at a disadvantage. A four year undergraduate degree from a recognized university (as deemed by the University of Saskatchewan) with a minimum 70% in the last two years of study. Unofficial transcripts from all post-secondary institutions that you have attended must be uploaded to your application. Transcripts from the University of Saskatchewan do not need to be uploaded, but are required from all other institutions you have attended. For countries where degree certificates are issued, they must also be uploaded. If accepted, an official transcript of your academic record is to be sent directly from each institution attended. Visit Three (3) confidential letters of recommendation. The Edwards MBA requires you to submit 3 confidential letters of recommendation, from professors or others acquainted sufficiently with your training and experience to express an opinion on your ability to undertake graduate training. At least one of these must be an academic reference. However for applicants wishing to enter the program straight out of their undergraduate degree's, greater emphasis will be placed on your academic components Your letter of intent is a chance to tell the Edwards MBA Selection Committee what unique and valuable contributions you can make to the Edwards MBA program. Provide a brief description of your business and educational background, and your goals for the future. Describe briefly what piqued you interest in achieving an MBA, and what you hope to get out of the program. Discuss why you have decided to apply to the Edwards MBA program, and why it is a good fit for you. What specific parts of the Edwards MBA program are you looking forward too? Make sure your letter of intent is unique and specific to the Edwards MBA program. We don't want to read generic letters that sound like they could have been sent to any school; Don’t just update and print off your last resume, take the time to understand what the Edwards MBA program is looking for in your resume. The MBA Selection Committee reviews your resume to find out the number of years of professional experience, jobs and positions held, previous employers, etc., to establish a work experience value for our composite admission scale. In order to evaluate your professional performance, the admission officers will measure the duration of each of your jobs, and the evolution of the responsibilities you have had. By following these simple steps, your resume can improve your chances for success! For applicants wishing to enter the program straight out of their undergraduate degree's, greater emphasis will be placed on your academic components. You will still be required to submit a current resume. Language Proficiency Requirements: Proof of English proficiency may be required for international applicants and for applicants whose first language is not English. See the International students who must submit an English Language Proficiency test score will be enrolled in our Language and Communications for Graduate Management Program Study seminar which takes place in Term 1. Normally this course is $700 for students to take, but the Edwards MBA office is willing to pay the tuition for admitted international students. Students who complete this course will receive a certificate of completion. Submit Your Completed Award Application Package to: Edwards Graduate Programs Office Room 176 Edwards School of Business 25 Campus Drive Saskatoon, SK S7N 5A7 Email: mba@edwards.All packages must be received by July 19, 2019. *Financial Need Calculator For some awards and bursaries, you are required to complete the Financial Need Calculator. You are required to complete the Financial Need Calculator only once, even if you are applying for multiple awards. 1) Log into the Scholarships and Bursaries channel in PAWS (paws.usask.ca/go/awards) 2) Click on the "Apply for awards"* green button 3) Select the “2019-2020 Edwards Graduate Students Financial Need Calculator (Deadline: July 19, 2019)” from the Current Students “Select Application Form” drop-down menu; click “Apply” Once an application has been started, it will be listed under the “Existing Applications” header on that same webpage. Once you have completed the form correctly, you will receive a message after you submit that says "SUCCESS: Selected application was successfully submitted." The following awards are administered by the Edwards School of Business and are available to students entering the Edwards MBA program: This award was established through a donation from the Grandey Leadership Initiatives Fund at the Edwards School of Business. The purpose of this award is to offer financial assistance and recognize leadership in the community of students entering the Master of Business Administration program at the University of Saskatchewan. This award is open to students entering the Edwards MBA Program at the University of Saskatchewan. To be eligible, candidates must: Selection will be made on the basis of overall merits of the MBA admission package and on the merits of the leadership statement, as determined by the Award Committee. Award Value: One award valued at $9,000 Application Deadline: July 19th, 2019. Note: To have your application considered for this award, students must have been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date. This award was established through a donation from the Grandey Leadership Initiative Fund. This award is open to students entering the Edwards MBA Program at the University of Saskatchewan. This bursary was established through a donation from Lorne Larson (BA 1958, BUSCER 1958) in recognition of his late father, Herbert Larson, who received his Certificate in Accounting from the University of Saskatchewan in 1925. Note: To have your application considered for this award, students must have been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date. Selection will be made on the basis of overall merits of the admission package, as determined by the Award Committee. All accepted students who have confirmed their attendance with a tuition deposit will be considered. To be eligible for this award, students must: Preference will be given to applicants who have a previous University of Saskatchewan degree, and who have graduated from a high school in the province of Saskatchewan, as determined by the Award Committee. This award is funded jointly between the Edwards School of Business and the Western College of Veterinary Medicine (WCVM). The awards are open to University of Saskatchewan WDVM students who have applied to the WCVM and who are entering the MBA program at the U of S. The award is open to students accepted to the combined JD/MBA Program, and who are entering the second year of the combined program. Selection will be based on overall merits of the MBA admission package, as determined by the Award Committee. Note: To have your application considered for this award, students must have been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date. Selection will be based on overall merits of the JD/MBA admission package, as determined by the Award Committee. Students may not hold this award in conjunction with another MBA administered award of $5,000 or greater in the same academic year. Students may not hold this award in conjunction with another MBA administered award of $5,000 or greater in the same academic year. Award Value: Up to five annual awards valued at $10,000 each. Note: To have your application considered for this award, students must have been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date These awards are funded through the N. These awards are open to students entering the Edwards MBA Program at the University of Saskatchewan. The award is open to University of Saskatchewan MD students who have applied to the College of Medicine to defer continuation of their current medical studies, and who are entering the MBA program at the U of S. To be eligible, candidates must: Selection will be made on the basis of overall merits of the MBA admission package, as determined by the Award Committee. Note: To have your application considered for this award, students must have been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date. Selection will be based on overall merits of the MBA admission package, as determined by the Award Committee. Note: To have your application considered for this award, students must have been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date. Students may not hold this award in conjunction with another MBA administered award of $5,000 or greater in the same academic year. Students may not hold this award in conjunction with another MBA administered award of $5,000 or greater in the same academic year. The provision of these awards are through a generous donation from Robert and Brenda Gordon. The purpose is recognize full-time Edwards MBA students who demonstrate a keen interest in transforming their good ideas into great businesses. Recipients will have non-business academic backgrounds and the desire to use the MBA to accelerate their progress towards participating in a strong and sustainable provincial and national economy. Note: To have your application considered for this award, students must have been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date. In order to be eligible, students must: Selection will be made on the basis of the overall merits of the MBA admission package as well as the submitted statement, as determined by the Award Committee. This award has been established from a donation from the Scotiabank to support an award for an aboriginal graduate student pursuing studies in the Master of Business Administration Program at the University of Saskatchewan. Application to this award is open to Aboriginal students who have been accepted for admission to the Master of Business Administration Program at the University of Saskatchewan. Note: To have your application considered for this award, students must been accepted into the program and have confirmed their attendance with a tuition deposit by the award application deadline date. To be eligible, candidates must: Selection will be based on the quality of the application package submitted for admission to the MBA Program, as determined by the Award Committee.


You also get protection for your purchases and rental vehicle. Take a look at all the coverage that comes with a Visa Signature Black and Signature Black Plus card. credit history, making it easier to qualify for a U. We solve the chicken-and-egg conundrum by using your Canadian credit history when considering your credit card application. You can then use your new card in conjunction with a U. 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. Rbc student visa rbc vacations To participate in this offer as an RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada excluding RBC Commercial Avion, RBC Commercial U. S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa "Eligible RBC Card". RBC No Limit Banking for Students RBC Group Advantage members receive 7,500 RBC Rewards Points! * $10.95 $4.95 unlimited For one low monthly fee, you get unlimited debits and choice of a Signature Rewards RBC Visa, RBC Visa Cash Back or WestJet RBC MasterCard and save up to $39 a year off the annual fee. RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student upon presentation of student identification. Must be 13 years of age or above. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank. In order to come to the UK with a Tier 4 (General) student visa you will need to show that you have enough money to cover your course and can support yourself during your studies (maintenance). Any money you use for maintenance and fees needs to be in your account for a full 28 days. The most recent balance on the statement must be within one month of submitting your application. You will need to show that you have enough money for both: If you have already paid accommodation fees to the University (and this is indicated on your CAS) this amount can be deducted from the total maintenance required, up to a maximum of £1,265. You will only be permitted to benefit from 'established presence' if you are applying for the Tier 4 Doctorate Extension Scheme. Here you are permitted to show that you have two months' worth of living costs in your bank account. Here the total amount you will need to show has been held in your bank account for a consecutive 28 day period is £2,030 Note: Tier 4 applications can only benefit from 'established presence' if the application is for a Tier 4 (Doctorate Extension Scheme) visa. If you pay your tution fees as stated on the CAS, in full, before submitting your visa application, you will only need to show money for maintenance. If you are going for an appointment in person with the UKVI, you should make sure you pay the tuition fees at least 5 working days before your appointment. As part of your visa application you will need to include documents that prove you have the required money. Evidence of your money must meet specific requirements. If it does not, your visa application will be refused. It is important that you check your documents carefully, and note that the documents you need to provide with your application will be different depending on whether you are a sponsored student or whether you are self-funded. If you are from a ‘low risk’ country you should still collect all the documents but you will not be required to submit this as evidence with your application, however the Home Office can ask for this evidence when processing your visa application. If you are asked for evidence and fail to provide the documents on time your visa application will be refused. For a full list of low risk countries see Appendix H of the Immigration Rules You can receive official financial sponsorship from a government, the British Council or any international organisation, an international company, a university or an Independent School. You must provide an original letter that meets all of the following requirements: If your sponsor is a government OR international scholarship agency or your sponsorship ended within the last 12 months of your application being made, you will need your sponsor's permission to stay in or re-enter the UK. You must provide your sponsor's unconditional consent in writing. Your sponsorship letter should specifically state that your sponsor consents to you continuing your studies in the UK If you do not have an official financial sponsor, you are only able to provide evidence of funding using your own bank account (including a joint account you hold with someone else) or your parents or legal guardian’s bank accounts. If the money is in someone else’s account, or in a business account that does not have your parent’s name on it, you will need to move it so that you can provide the correct documents. Maintenance must be in the form of cash funds, you cannot use an overdraft facility or credit card. You must provide original bank statements meeting every one of the following requirements: If you use electronic statements then as well as including all the standard required information, they must also either be stamped on every page, or be accompanied by a supporting letter from the bank or building society confirming that the statement is authentic. Appendix P of the Immigration Rules contains lists of financial institutions in Bangladesh, Cameroon, Ghana, India, Iran, Pakistan, the Philippines and Sri Lanka that verify financial documents to their satisfaction, and which can therefore be used in immigration applications. If you use bank statements from an unacceptable institution your visa application will be refused. If you are using your parents' account you must also provide: If you cannot provide these documents, you should read the Home Office guidance for other types of evidence that can be accepted. Any documents not in English must be accompanied by a certified English translation. If you are outside the UK, the translation must comply with the following guidance: The original translation must contain confirmation from the translator/translation company that it is an accurate translation of the original document, the date of the translation, the translator/an authorised official of the translation company’s full name and signature, and the translator/translation company’s contact details. If you are inside the UK, the translation must comply with the following guidance: The original must be accompanied by a fully certified translation by a professional translator/translation company.