加拿大：美金持续换加元方法

所谓美金持续换加元就是持续性地将美金从美国转换成加元并送到加拿大。要完成这个转换，必须要走两步：

第一步，将美金送到加拿大镜内。
第二步，将美金换成加元。

几乎每个加拿大银行都有子公司在美国，所以可以利用这个便利。比如，Bank Of Montreal 在美国的银行是 Harris Bank。仔细研究了 RBC 和 TD，发现 TD 不可行，因为每次从 TD Bank 转钱到 TD Canada Trust 都必须拜访 Branch，而不能网上进行；而 TD Bank 只分布在美东地区。

可行的是 RBC。可以在加拿大境内开个美国的 Access USA 或 Free Checking，不需要美国的地址，也不需要美国的 SSN。

What accounts are eligible for online instant money transfers?

Transfers can be made between RBC Royal Bank Savings and Chequing accounts, and RBC Bank Savings, Checking and Money Market accounts.

Is there a fee for the online money cross-border transfer?

At this time, there is no additional fee for the transfer. Existing account fees apply. Please refer to the Service Pricing Fee Schedule.

How long does it take for the money to move between accounts?

The movement of funds is reflected immediately in the available balances of all accounts affected. Transactions made on RBC Bank accounts before 8:00 p.m. EST, except for mortgage accounts, will be processed the same Business Day and available for withdrawal or further transfer the next Business Day after the date of processing; transfers after 8:00 p.m. EST will be processed the following Business Day and will be available for withdrawal or further transfer the first Business Day after the date of processing. Funds transferred with respect to a credit card may not be processed until the second Business Day after the transfer and will be available for withdrawal or further transfer the first Business Day after the date of processing.

How can I check the current rate of exchange without actually transferring money?

The conversion rate is stated on the "Confirm Transaction" page in Online Banking. This page gives clients the opportunity to review the transaction before it is processed.

What are the cross border transfer limits?

For online funds transfers, the limit is up to and including $25,000 (CAD or USD) per transaction. For amounts in excess of $25,000, clients should contact Royal Direct at 1-800-769-2553 and a representative will assist them.

What is One Sign In?

Using My ViewTM account aggregation, One Sign In gives clients the ability to view both Online Banking (RBC Royal Bank) and Online Banking (RBC Bank) accounts at the same time, in one online session. Clients only have to sign in once to view all their accounts with both institutions.

Note: Clients can aggregate Business Banking Accounts or RBC Bank Accounts at the same time, but not both at the same time. One Sign In gives clients the ability to view only two relationships at the same time.

Online Banking & Bill Pay

Access USA includes free Online Banking & Bill Pay with single-sign-in access to your RBC Royal Bank® (Canada) and RBC Bank (U.S.) accounts. In addition to everyday Online Banking & Bill Pay benefits, Canadian customers may:

* Sign in once to view U.S. and Canadian RBC accounts at the same time
* Transfer money between accounts at RBC Royal Bank and RBC Bank in the U.S.
* Pay U.S. or Canadian bills with free online bill pay

Access USA

* Avoid Monthly fees with $700 minimum balance (otherwise $3.95 US)
* Includes free Online Banking and Bill Pay
* Free check card
* No-charge check writing
* No RBC Bank fees for ATMs transactions; rebates on ATM fees charged by other banks (Up to two per month upon client request) (Some restrictions apply)

钱的运行：从任何一家美国银行的账户将美金转到 RBC Bank 的账户，然后用 One Sign In 转到 RBC Royal Bank Canada 的美金账户或加元账户，这样就可以在加国用了。


http://www.rbcbankusa.com/checking/cid-188782.html