Legal Disclaimer 1)

By enrolling an eligible RBC personal bank account into RBC’s Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit^® associated with your Enrolled Account. Conditions apply. For complete details, please see the Value Program Terms & Conditions(PDF).

Please note: If an account is held in joint ownership and enrolled in the Value Program, and any co-owner of that account additionally holds eligible RBC products in sole ownership, that individual must provide their consent if they wish to have their sole-owned products associated with the jointly-owned enrolled eligible RBC personal bank account and considered for the Value Program. To do so, that individual must contact us by telephone at 1-800-769-2511 or visit an RBC Royal Bank branch. Additional terms and conditions apply to jointly-owned RBC personal bank accounts enrolled in the Value Program. For complete details, please see the Value Program Terms & Conditions(PDF) or speak to an RBC Royal Bank advisor.

If you enroll an existing eligible account in the Value Program that may also be eligible for our MultiProduct Rebate^®, you forfeit your Account’s eligibility for the MultiProduct Rebate, even if you choose at a later time to remove your Eligible Account from the Program.

Legal Disclaimer 2)

When you enroll your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions(opens new window) available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions(PDF).

Legal Disclaimer 3)

Avion points will be forfeited if they remain unredeemed within twelve (12) months following the termination of the Avion Rewards program or after you voluntarily close your RBC Royal Bank credit card account or bank account.

Legal Disclaimer 4)

The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.

Legal Disclaimer 5)

Or the value of your account’s monthly fee, if less than $6

Legal Disclaimer 6)

Or the value of your account’s monthly fee, if less than $11.95