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RBC Placements en Direct est un nom commercial utilisé par RBC Placements en Direct Inc. Royal Bank of Canada / RBC is the country's largest financial services group, serving over 16 million personal, business, public sector and institutional clients across Canada, the United States and 39 other workplace model established in 2009, transforming much of its office space to reflect changing work styles and to increase collaboration, socialization and innovation, the bank occupies a number of properties in the downtown business district and over 70% of RBC's major offices worldwide are green-certified (including LEED, BREEAM and other certification programs), inside, the workplace features lockers for personal storage, wellness rooms (can be used for nursing, insulin intake, meditation, etc.), telecommuter workstations, religious observance room, self-serve lunchroom St. Lawrence Community Recreation Centre, Waterfront Trail, child care, restaurants, shopping mall, Meridian Hall, Royal Alexandra Theatre, Rogers Centre, Scotiabank Arena, David Pecaut Square, PATH underground walking network that provides all-weather access to an incredible variety of shops, cafés and restaurants throughout the downtown corereward and recognition dinners (including an annual convention aboard a cruise ship for top winners and their guests), friends and family events such as RBC Day at Canada's Wonderland in the spring, departmental and branch socials including barbecues, employee appreciation days, golf tournaments, baby showers, and holiday parties, special events to celebrate important dates related to diversity and inclusion, such as Black History Month and International Women's Daytown halls, employee roundtables and market visits with senior leadership (hosted at various key locations across Canada), RBC Connect social business platform (allows employees to ask and answer questions, share tips, suggest and vote on ideas, and get quick feedback)low-interest home loans, reduced home and auto insurance fees, financial planning initiatives include an Invest In Yourself website (to help employees make informed financial decisions), e-learning modules, and direct access to financial planners through a dedicated 1-800 number (exclusively for employees)traditional coverage (e.g. prescription drugs), employee assistance (EAP) plan, semi-private hospital room, physiotherapy, medical travel insurance, homecare, medical equipment and supplies, massage therapy, nutrition planning, podiatrist, osteopathy, chiropractor, alternative coverage (e.g. acupuncture, naturopathy)RBC's 2018 wellness campaign included the participation of 34,000 employees and featured mini-challenges such as healthy hydration, mindfulness 1010, "10-a-day" fruit and vegetables and fitness fun (to name a few examples), in 2017, the bank launched the RBC Blueprint for Well-being and Mental Health to outline its objectives and priorities for protecting the psychological health and safety of employees, and undertook its first employee psychological health and safety survey in 2018depending on their position, some employees start with up to 5 weeks of paid vacation allowance, option to purchase additional vacation time (up to 20 unpaid days), employees may also receive up to 3 paid days for religious leaveindividual performance bonuses, on-the-spot rewards, peer-to-peer recognition awards, long-service awards, impromptu tokens of appreciation and formal recognition in gold, silver and bronze categories, with winners formally recognized at an annual galaupgraded in-house Professional Development Library, online access to "Get Abstract" (offers the world's largest online library of business book summaries, as well as over 3,500 videos and TED Talks), leadership development programs, RBC Disruptors speaker series on a range of thought-provoking subjects Canadian Olympic Foundation, WE Charity, Taking IT Global Youth Association, Shad Valley International, London Health Sciences Foundation, Boys and Girls Clubs of Canada, Actua, Plan International Canada RBC is one of Canada's largest corporate donors, building upon a tradition of corporate philanthropy that dates back to 1891. The bank encourages employees to become involved through a number of generous matching grant programs, including volunteer grants for individuals and retirees who volunteer their time (bank provides a donation to the charitable partner based on the number of hours volunteered, to a maximum of $500), and Team RBC Grants, to support volunteer teams of six or more for a minimum of two hours with a charitable organization in their community ($1,000 donation in recognition of their time). Since graduating from university five years ago with a degree in economics, Karishma Alam has worked her way into three very different jobs. Alam followed up an entry-level coordinator’s position in HR with a stint as a recruitment analyst. The career-enhancing moves, however, did not require a change of address. Given her educational background, that seemed like a logical progression, she says. So she was surprised when she was tapped for promotion to product manager. “As a numbers person I understood the need for analyzing data, but I didn’t know a role like ‘product manager’ even existed within HR,” says Alam. “This has opened up a whole new world for me – the tech side of HR. I’m not only building and developing applications, I’m building my career.” Being agile and adaptable are clearly assets in a world of work that is constantly changing in unpredictable ways. With teams like OMNI using design thinking and agile methodologies to identify business problems and create solutions that can reach clients faster than ever before, RBC is on the leading edge of the technological revolution - and in how it is helping employees to respond. “We are building a future-ready workforce,” says Leona Mc Charles, vice president, workforce strategy and enablement. “New tools and technologies like automation and artificial intelligence are transforming the workplace, but they’re also creating new opportunities. We’re helping employees build new skills and capabilities with an emphasis on continuous, life-long learning.” The speed of change will impact different workers in different ways. But odds are that no matter their career path, all employees will need digital literacy skills at some point. Mc Charles cites the example of RBC’s recruiters who use artificial intelligence to scan 2,000 resumes in an hour, a labour-intensive chore that formerly would have slowed down the hiring process. By turning data into valuable information, recruiters now have more time to focus on the applicants themselves, Mc Charles adds. It’s a holistic approach where the human touch and tech skills complement one another. That’s why foundational skills will always be important, she notes. RBC looks for people who think creatively and critically and are good communicators. The bank also wants people to be empathetic and strong collaborators. “We can teach people new tech skills as the technology changes,” says Mc Charles. “Foundational skills represent a set of values and behaviours that employees can rely on throughout their careers.” RBCx is one of several initiatives that illustrates how RBC is reinventing tools and training techniques. For nine intensive weeks, employees throughout Canada step out of their day jobs to form a cross-functional team tasked with solving a real problem facing RBC. As participants collaborate, they are exposed to diversity of thought and quickly build new skills, says Mc Charles. Becoming familiar with colleagues in other disciplines can also introduce them to new careers and opportunities they might not have considered otherwise, she adds. Moreover, RBC has adopted many of the solutions the participants brought forward. , an online gig platform designed to enable employees to connect and work on projects that may normally be outside their job description. For example, a team that needs a new logo may get help from someone in another department who no one realized had graphic design skills. Among other responsibilities, Alam now oversees Spark! She’s thrilled that hundreds of employees have found help from someone down the hall – or in an RBC office across the globe. Aside from increased efficiency, she sees another very tangible benefit: “People are bringing their whole selves to work.” Since joining RBC in 2016, Noah Aiken-Klar has participated in the Toronto RBC Race for Kids every year. The most recent event, for instance, had 9,000 participants, two-thirds of them RBC employees and their friends and family. It’s unknown, however, how many others also had a birthday on race day 2019. “I can’t think of a better way to celebrate than getting out there and running 5K with a few thousand of my best friends and raising funds for a worthy cause,” says Aiken-Klar, director, youth social impact. Since the Toronto race’s inception in 2013, 49,000 total participants have raised more than $14 million for the Family Navigation Project at Sunnybrook Health Sciences Centre. The non-profit program assists those aged 13 to 26 with mental health and/ or addiction issues and their families in navigating the healthcare system. To date, the project has helped more than 3,000 youth living in the Greater Toronto Area access appropriate care in a timely manner. The opportunity to give back by running, raising funds, donating or helping out in other ways attracts RBC employees from entry level to the senior leadership. Troy Maxwell, chief operating officer of RBC Capital Markets, says there are 17 races held worldwide in cities as diverse as Sydney, London and Kuala Lampur. Since the first RBC Race for Kids in New York City in 2009, more than 240,000 participants have raised over $54 million for children’s charities around the world. “When we engage with our people on the issues and causes that matter to them outside of the office, we see engagement at work,” says Maxwell. RBC further facilitates employee giving with its online donations platform, my Community, where RBCers can make donations throughout the year, find their tax receipts and access other relevant volunteering and giving information. RBC also encourages employees to become engaged in the communities where they live and work in ways that matter to them. As a corporate citizen, RBC has donated more than $1 billion throughout its 150- year history across 37 countries. “It all goes back to our purpose – to help our clients thrive and our communities prosper,” says Maxwell. As Aiken-Klar sees it, having a purpose beyond the bottom line is a crucial component of employee engagement. His background includes a law degree, advocating for social justice, and practical work experience in the not-for-profit sector. Then RBC offered him what he describes as a “very rare opportunity” to help develop and implement a strategy that can move the needle on an issue that matters to so many Canadians – empowering young people for the jobs of tomorrow. RBC is one of Canada’s largest corporate donors with a long tradition of philanthropy. In 2017, it decided to focus its primary approach (in addition to Arts and Environment) on helping young people prepare for the unprecedented economic and technological changes taking place in the world today. Aiken-Klar now manages the donations strategy for RBC Future Launch, a 10-year, $500-million program that addresses four key areas. They encompass a comprehensive approach to helping young people access meaningful employment through practical work experience, skills development opportunities, networking solutions, and mental well-being supports and services. “When a leading employer vows to move the dial on an issue and backs that up with significant monetary and other resources, that’s not just about creating an image,” says Aiken-Klar. “That’s truly a purpose-driven organization.” RBC Green Champions (est. 2008)RBC Climate Change Position and Disclosure Statement (est. 1991 and updated in 2014), formal Environmental Management System (designed to the ISO 14000 standard)Waste Reduction Week (three e-waste drives hosted in partnership with other major banks at locations across the GTA), numerous employee-led initiatives (monthly car-free days, weekly organic produce deliveries, sustainability-themed lunch and learns), socially responsible (SRI) mutual fund products (over $4.8 billion in assets under management), Fourth Annual Green Bond Conference (over 100 participants and the underwriter for $5.1 billion in green bonds), RBC Energy Saver loan and mortgage products (financing for home renovations incorporating energy efficient design), RBC Clean Technology Advisory Team (responsible for over $100 million in cleantech commercial banking business), regular environmental (EMS) audits across all properties, addressing everything from hazardous waste to water management, ongoing programs to reduce its GHG emissions from all operational areas (emissions have been reduced by 35 per cent since 2009, with goals for additional reductions)PV solar panels, rainwater collection, green roof, LED lighting upgrades, numerous green building features at various building locations across the bank, as part of its formal Environmental Blueprint the bank continues to increase the amount of LEED certified office space occupied (by almost 300 per cent since baseline year of 2012)e-waste (goal to send zero to landfill), new construction and renovations ensure waste diversion plans for carpets, furniture and demolition waste (reached a 99 per cent diversion rate for e-waste and an overall waste diversion rate of 80 per cent)Earth Day (hosted environmental fairs and e-waste collection events), Carbon Pricing Leadership Coalition (member of a global initiative that supports the principle of carbon pricing), Smart Prosperity (member and funds initiatives in support of Canada's cleantech sector and government initiatives), RBC Blue Water Project (recently reached its 10 year, $50 million commitment in support of water stewardship projects in countries where the bank operates), Bullfrog Power (has purchased certified green power since 2005), National Research Council (partnership to conduct research on connecting green buildings with a healthy workplace) Building on its decades-long commitment to reduce carbon emissions and contribute to a healthier planet, RBC has established the Sustainable Finance Group within RBC Capital Markets. 2016 with over 400 employee members), RBC Environmental Advisory Committee (est. It's a long-term investment that recognizes the role of capital in the transition to a low-carbon economy. Launched in January 2019, the group focuses specifically on assisting clients with environmental and social financing insights, advice and solutions, which are increasingly viewed as important factors in both corporate strategy and investment decision-making. RBC looks at environmental opportunities in two ways, says Lindsay Patrick, Managing Director and Head of Sustainable Finance: "How can we be greener as a company, and how can we, as a bank, work with our clients to help them achieve their own environmental goals? The purpose of our new team is to develop and expand sustainable financing solutions in the marketplace. "Investors are changing their priorities, seeing the financial returns of managing their investments with a sustainability lens, and banks have a very large role to play in providing attractive solutions," Patrick says. "We intend to be an innovator and leader in this space. RBC Capital Markets is already a Canadian leader in underwriting green bonds for institutions such as the Canada Pension Plan Investment Board, which was the first pension fund in the world to issue a green bond to help fund its investments in renewable energy." Increasingly, investors consider environmental, social and governance (ESG) criteria when evaluating future risks and returns, Patrick explains. "When we advise our clients on sustainable investing we take all the ESG factors into account. If you look at the strategies of the world's largest investors, they think along these lines as well." As well as supporting its clients, RBC is constantly looking for ways to reduce its own carbon emissions. Sarah Thompson has been closely involved with these efforts since she joined the bank eight years ago as Green IT Manager responsible for reducing RBC's technology infrastructure footprint. In 2013, she became Senior Manager, Environmental Initiatives, with a bank-wide mandate, and she has now moved to join Patrick's team in Capital Markets as Vice President, Sustainable Finance. "RBC has a long history of environmental leadership," Thompson says. "Our focus has grown over the years beyond our own environmental footprint to look at ways we can work with partners across the bank to develop green products and services - the creation of the Sustainable Finance Group being a more recent example." Numerous employee-driven initiatives led by formal "green teams" have helped improve RBC's environmental performance. Thompson cites an idea that came from the green team on the Capital Markets trading floor, which has its own cafeteria. By purchasing silverware and organizing a "mug drop" to every employee, the team eliminated all single-use plastic cutlery and disposable cups. "Management is very engaged and supportive of this kind of activity," says Patrick, "but the initiatives originate with employees." The bank's support comes in many forms, including grants that encourage employees who volunteer their time for greening their communities, an award program recognizing employees who have made significant contributions to their local environments, and a campaign to encourage employees to support community green organizations of their choice. "Employees tell us through our annual survey and also anecdotally that this makes RBC a better place to work, because they feel they're making a difference," says Thompson. "Personally, I feel it gives so much purpose to my day-to-day work. I know my work has a positive impact and I can measure the benefits of the projects I work on. There's so much energy, it's inspiring." new graduate banking programs in various roles (commercial account manager, client service representative, analyst and global investment banking analyst, to name a few), MBA and master's graduate programs (examples include global investment banking associate, manager of business architecture and wealth management), accelerated 2-year leadership development program with 6-month rotations (including possibility of international rotations), national Indigenous student internship program (available in finance, sales and services, IT, marketing and human resources, to name a few), technology and operations program for post-secondary and high school students, CPA rotational programextensive onboarding and pre-onboarding tools for new employees and managers, Aboriginal Student Awards program (scholarships for post-secondary students), partnership with Career Edge (paid internships) When Cynthia Cheng was first applying for full-time jobs, she wasn’t sure what direction her career should take. Luckily for her, RBC was ready to help her figure it out. “As soon as they saw that I didn’t really know what I wanted to do, they gave me resources,” says Cheng, who started at RBC full-time in 2019 after first completing a 16-month co-op term through her college. After discussing her career goals, the kind of technologies she was interested in and which learning resources would help her develop new skills, Cheng found her way into her current role as a quality engineer. RBC was committed to helping Cheng figure out the best path for her career because it takes young professionals – and their development – very seriously. “We believe youth bring fresh perspectives that fuel innovation and grow our talent pipeline,” says Helena Gottschling, chief human resource officer for RBC. “We’re focused on providing meaningful work experiences to help young people build the confidence, skills and networks they need to establish their careers.” One of the ways the company does this is through RBC Amplify, an innovative summer work program that harnesses the unique perspectives and skills of young people to develop, test and solve real-world business problems, which they then pitch to RBC sponsors. Qualified applicants must be within one year of completing an undergraduate degree or in the early stage of graduate school. The interview process includes both behavioural and technical skill assessments to reflect the need to work in a collaborative team environment. “The feedback has been incredible,” says Gottschling, adding that around 30% of participants have become full-time RBC employees. And Amplify is just one of many ways RBC helps young professionals discover their career path and break the ‘no experience, no job’ cycle. Annually, the company hires around 3,000 students for co-op placements and internships, many of whom, like Cheng, move on to full-time roles. Employees at all stages of their careers can also access self-directed development opportunities through RBC Learn, which aggregates resources to make it easier for employees to develop relevant skills. Cheng has used it to familiarize herself with new types of software and best practices for information security. Although Cheng enjoys her current role, she’s happy knowing that RBC’s supportive culture will help her pursue different career options that spark her interest in the future. In fact, that’s one of her favourite things about the company. Even when she had offers from other companies during her co-op rotation, RBC’s dedication to her development has always made it her number one choice. “I’ve always loved how different-in-a-good-way it is,” she says. “Everything here is a lifelong learning experience.” 13-year partnership with Toronto Region Immigrant Employment Council to provide mentoring to new Canadian job-seekers, Pursue Your Potential (coaching for persons with disabilities and Indigenous peoples), paid internships for graduates with disabilities (partnership with Career Edge), Indigenous summer internship program (hired over 300 interns since the program's inception), speed mentoring for new Canadians (in partnership with ACCES Employment)sponsorship for high potential female and visible minority employees, Proud Partnership mentorship program for LGBT employees, Diversity Dialogues reciprocal mentoring program (4,500 participants since inception), 10-month Women in Leadership program, IGNITE (10-month leadership development program for high-performing, culturally diverse talent), Indigenous mentoring initiative (to provide dedicated support and safe for Indigenous employees as well as enable non-Indigenous employees to increase their knowledge and understanding), Indigenous development program (two-year rotational includes business and community experience along with mentorship and networking)Women in Technology and Operations, RWomen (women in Capital Markets), Women Advisory Board, REACH (persons with disabilities), MOSAIC (visible minorities and new Canadians), Royal Eagles (Indigenous peoples), Next Gen, PRIDEquarterly diversity scorecard for each of RBC's business and functional units, ten national employee resource groups with over 16,000 members, Indigenous student scholarship program, Speak Up for Inclusion video series featuring individuals from all walks of life, public diversity and inclusion website with tools and resources Catalyst Accord (signatory), She EO (global community of women that finances, supports and celebrates female innovators), Canadian Board Diversity Council, Spinal Cord Injury of Ontario, Ready, Willing and Able, Ascend Canada, Start Proud, Siksika Employment and Training Services, Metis Nation of Ontario, EGALE Canada (LGBT), Canadian Gay and Lesbian Chamber of Commerce, ACCES Employment, Refugee Career Jump Start For some people, their first summer job is hardly worth remembering. Then there’s Jessica Shute, who participated in the RBC Indigenous Student Internship Program. Her work experience at the bank’s Fort Frances branch in northwestern Ontario was life changing. “I discovered I had a passion for finance,” says Shute, a member of the Couchiching First Nation who later moved to Toronto to attend Ryerson University. After graduating with a degree in business management and finance, Shute landed a full-time position in RBC’s main downtown Toronto branch. Now 10 years into her career, Shute is a mortgage specialist, personal & commercial banking. She is also national co-chair of the Royal Eagles, an employee resource group (ERG) for Indigenous employees and their allies. Shute says being involved with the group hasn’t just helped with her career development, it’s how she learned to speak up about her Ojibwe culture and heritage. “Having grown up on a reserve for 17 years, and with grandparents who attended residential schools, I wasn’t always comfortable talking about my Indigenous heritage,” says Shute. “It’s only since joining the Royal Eagles at RBC that I’ve embraced my Indigenous identity and understood the importance of speaking about it.” As one of Canada’s largest employers, RBC has long held diversity and inclusion (D&I) as a core value. Nadine Ahn, senior vice-president of RBC Capital Markets Finance and Investor Relations, says that D&I is aligned with RBC’s purpose to help clients thrive and communities prosper. As such, D&I is interwoven into everything the bank does, she says. Codes of conduct, and a range of programs cover everything from recruitment to developing leaders. It starts at the top with RBC’s Diversity Leadership Council and extends to interactions with clients and suppliers. Throughout, the emphasis is increasingly on inclusion. “Diversity is about what we are doing, inclusion is about how diversity is put into action,” says Ahn. “Do employees feel included, engaged and empowered to speak up? Without inclusion, you’re not harnessing the full power of diversity.” The bank actively listens to its employees via a range of measures, with an annual employee opinion survey, focus groups and town halls among them. In addition to supporting one another, the members of the nine ERGs also work to promote a better understanding of their unique perspectives within the larger RBC community. RBC is also driving important D&I conversations outside of the bank. Its newest campaign, That Little Voice, is aimed at inspiring individuals to override the internal voice that tells them to keep quiet when they witness inappropriate behaviour. The campaign includes a series of online videos depicting scenarios around stereotypes, racist comments, inappropriate jokes and other insensitive or non-inclusive conduct. The videos are accompanied by learning and discussion guides so people can feel safe speaking up for themselves or others. “There are powerful psychological barriers preventing people from having these uncomfortable conversations,” says Ahn. “But if we all speak up, we can create a safer and more inclusive environment for everyone.” Shute, for one, is well acquainted with the power of speaking up. She says her story, where she joined Royal Eagles and reconnected with her Indigenous background, is a common one. But she sees people change as they learn about the culture from elders and connect with other Indigenous employees. “They realize that they don’t have to feel shame, but can take pride in who they are,” she adds. Banque royale rbc rbc easy web Quels que soient vos besoins, RBC Banque Royale a une vaste gamme de produits, services et outils bancaires aux particuliers à vous offrir pour vous aider à gérer vos finances, à épargner pour la retraite, à acheter une maison et bien plus encore. Transfer money using the RBC Mobile app or through RBC Online Banking - instantly and for free 1 - between your Canadian and U. S. RBC accounts. Pay U. S. bills in seconds - from Canada or the U. S. Get cash at over 50,000 no-fee 2 ATMs across the U. S. RBC is committed to helping business clients access the government’s Canada Emergency Business Account (CEBA). Eligibility is based on criteria established by the Government of Canada and this has recently been updated. Please log into RBC Online Banking for Business to enroll. If you believe you are eligible but have not received a link, please call our dedicated CEBA support line at To enroll for CEBA, log into your RBC Online Banking for Business. 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. To be eligible for CEBA, you must meet the Government of Canada’s requirements outlined in Q6 of the FAQ below. As part of this, you if you have employees, and thus, the required payroll information to be eligible for the program. *UPDATED* The Government of Canada has updated the eligibility criteria related to employer payroll requirements. The criteria for an organization’s total employment income paid in the 2019 calendar year is now between $20,000 and $1,500,000 CAD. If your business was not previously eligible under the former payroll criteria ($50,000 to $1,000,000), please log into your RBC Online Banking for Business to re-submit your enrollment form. Please see below for the full CEBA FAQ, including further details about the CEBA eligibility criteria in Q6. 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. You should also enroll 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 eligible amounts to be paid to you by the Canada Revenue Agency (CRA) such as CEWS, should you be eligible for this program. If you are eligible and expecting a CRA payment of more than $25 million, click here for details on how to receive your payment thought the Large Value Transfer System. The BDC Co-Lending program is designed to support Canadian businesses of all sizes that have been negatively impacted by COVID-19. IMPORTANT: Please note that enrolling for CRA Direct Deposit through your RBC Online Banking for Business or RBC Express does not register you for the Government’s CEWS. 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. For more program details, please read the FAQ below. The Government of Canada announced the availability of the Export Development Canada (EDC) BCAP Guarantee help Canadian businesses with impacted by COVID-19. Eligible applicants can access up to $6.25 million CAD in short-term liquidity to cover expenses which are critical to business continuity such as rent, payroll and other operational costs. For more program details, please read the FAQ below. RBC is also 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: 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 up to two months (deferring your payment). This will provide some short-term financial relief to you during the COVID-19 situation. Interest charges will continue to accrue at your current annual interest rates during the relief period and will continue to be added to your outstanding balance at the end of each billing cycle. This means your outstanding balance on your credit card will increase during that period. Please note that during the relief period you always have the option to make one or more payments toward your outstanding balance. Please also note that interest will not be charged on the accrued interest. To further help your business during this difficult time, if your business is receiving minimum payment deferrals, RBC will reimburse 50% of the interest charged to the account(s) during the relief period. This credit(s) will be displayed on upcoming statement(s). If you chose Balance Protector on your credit card, you may be covered due to loss of income. Please contact the insurer, Assurant Solutions directly at , or visit 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. Reimbursement for Credit Card Interest Charges: Effective April 6, 2020, RBC will provide business and commercial card clients receiving minimum payment deferrals with a credit to their credit card account(s) to reimburse them for 50% of the interest charged to their account(s) during the period they are receiving the deferrals. For longer term relief (Up to 6 months): Should you require additional financial relief beyond two months, please use our to schedule a time to speak with one of our advisors by phone. This credit will be displayed on upcoming credit card statement(s). Putting the health and safety of our clients and employees first, RBC announced plans to temporarily close select branches nationally. We ask that you check the branch locator for the most current information. 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 We remain committed to ensuring that your business needs are met. While select branches are closed, our advisors and solutions remain available to you across a variety of channels. Given the current situation, we are experiencing extremely high call volumes. As always, the RBC Mobile App and RBC Online Business Banking solutions are safe, easy-to-use and available 24/7. You can: to support Canadian businesses that have been adversely affected by COVID-19. Eligible businesses will receive a $40,000 line of credit loan for immediate financial support to cover short term operating expenses, payroll and other non-deferrable expenses which are critical to sustain business continuity. Your business HST number does not satisfy the Government of Canada’s required CEBA criteria. To enroll in CEBA, you must provide the 15-digit CRA account number which is found on your organization’s 2019 T4 Summary of Remuneration Paid statement. If you do not have employees, you are not eligible for CEBA. Businesses must enroll for the Canada Emergency Business Account at their primary financial institution where they have an existing business banking account and cannot apply at more than one financial institution. Doing so may result in legal prosecution by the federal government. Only one person from the organization can agree to the legal documents in the online enrollment process for the Canada Emergency Business Account. The person enrolling your organization must have the legal authority to attest on behalf of the organization and legally bind the organization to the terms of the Canada Emergency Business Account loan agreement. For example, if more than one person is normally required to sign legal documents for your organization, whether under your internal requirements or your agreement with RBC, your organization has to ensure the proper documentation, like a resolution to waive the requirement for multiple signatories for the purpose of enrolling the organization in the Canada Emergency Business Account, is made to legally permit a designated person to enroll and sign on behalf of the organization. If the other usual signatories for your organization agree, then the designated person can go ahead and enroll. The Canada Emergency Business Account is only available to business clients who have been a registered operation on or before March 1, 2020 with an RBC business operating account. The government has announced additional relief measures to support sole proprietors. Further information is available at the Government of Canada’s COVID-19 Economic Response Plan site. The CEBA at RBC is automatically funded with a $40,000 line of credit until December 31, 2020. Clients may choose to utilize the full amount or less. After December 31, 2020, any outstanding balance on the revolving $40,000 line of credit will be converted into a non-revolving 5-year term loan maturing on December 31, 2025, at which time the balance must be paid in full. If you require more than $40,000 offered by CEBA, please speak with your RBC Account Manager or Advice Centre to explore other RBC solutions to support your additional financing needs. Details on additional government initiatives to support businesses, including the Business Development Bank of Canada (BDC) Co-Lending Facility and the Export Development Canada (EDC) Business Credit Availability Program will also be available in the coming weeks. be completed online by logging into RBC Online Banking for Business. If you are not registered for online banking, click here to enroll in RBC Online Banking for Business. Please note that while our RBC Account Managers and Advice Centre advisors are available to help answer your questions about CEBA, they are not authorized to fulfill enrollment requests. Once you’ve submitted your enrollment request, it will be reviewed by RBC and the Government of Canada. If you qualify for CEBA, the funds will appear on your RBC Online Banking for Business or RBC Express profile within 5 business days. You will not be able to update your information during the enrollment process. Before you start enrolling, you can update your contact details through your RBC Online Banking for Business profile. If you are not registered for online banking, click here to sign up for RBC Online Banking for Business. The funds will appear on your RBC Online Banking for Business or RBC Express profile within 5 business days of your submission. Please ensure that your email and contact details are up to date on your RBC Online Banking for Business or RBC Express profile. No, there are no cash advance fees to transfer your CEBA funds into your RBC Business Deposit Account. However, we are aware of a technical issue where some clients may receive a message during the transfer process stating that a cash advance fee will be applied. Please note that no fee has been or will be applied to your CEBA fund transfer, regardless of whether you see this message. There are a number of other relief measures that are being provided by the Government of Canada through its Canada’s COVID-19 Economic Response Plan to support individuals and businesses. Additional government relief measures offered through the can be found here. Further details on eligibility and enrollment details are forthcoming. RBC is also 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: The federal government announced other relief measures through Business Development Bank of Canada (BDC) and Export Development Canada (EDC). When will those be available and how can I apply for them? If you require more than $40,000 offered by CEBA, please speak with your RBC Account Manager or Advice Centre to explore other RBC solutions to support your additional financing needs. Details on additional government initiatives to support businesses, including the Business Development Bank of Canada (BDC) Co-Lending Facility and the Export Development Canada (EDC) Business Credit Availability Program will also be available in the coming weeks. 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. You may start repaying the loan in part or in full at any time without penalty. No principal repayments are required until December 31, 2025. Monthly interest only payments are required on the last day of the month commencing January 2023. The entire loan and all accrued and unpaid interest is due and payable on December 31, 2025. If you pay 75% of the balance of the term loan (as at January 1, 2021), on or before December 31, 2022, the remaining balance of your term loan will be forgiven. For example, if your balance is $40,000 on January 1, 2021 and you repay $30,000 on or before December 31, 2022, the remaining $10,000 will be forgiven. The Canada Emergency Wage Subsidy (CEWS) provides a 75% wage subsidy to eligible employers for up to 12 weeks, retroactive to March 15, 2020. The CEWS aims to prevent further job losses, encourages employers to re-hire workers previously laid off as a result of COVID-19, and helps to enable businesses to resume and sustain normal operations following the crisis. You can find more detailed information about the Government of Canada’s CEWS Program, eligibility criteria, and how to apply on the Government of Canada’s site. Important note: When enrolling for CRA Direct Deposit, please have your CRA Business Number (BN), including your CRA Program Account Identifier for payroll ready. You will need to enter this as part of the CRA Direct Deposit enrollment process. Click here for more information on the BN and CRA Program Account Identifier. acting as an administrator or facilitator of this program. Please note that enrolling for CRA Direct Deposit through your RBC Online Banking for Business or RBC Express does not register you for the Government’s CEWS. The CRA Direct Deposit enrollment feature being offered by RBC is only for the purposes of helping business clients enroll to receive direct deposits from CRA for amounts (such as CEWS) to be paid to the client by CRA. If your application is approved by CRA, and you are enrolled to receive direct deposits from CRA, your funds should be available in your RBC business deposit account within 24 to 48 hours from the fund disbursement date provided by CRA. The EDC Business Credit Availability Program (BCAP) Guarantee is an EDC-guaranteed business loan to help Canadian businesses impacted by COVID-19. Eligible applicants can access up to $6.25 million CAD in short-term liquidity to cover expenses which are critical to business continuity such as rent, payroll and other operational costs. The EDC Program features: The Government of Canada announced the availability of the Business Development of Canada (BDC) Co-Lending program supporting Canadian businesses of all sizes that have been negatively impacted by COVID-19. Eligible applicants can access up to $6.25 million CAD (max. loan amounts dependent on business size) in loans to cover operating expenses such as rent and payroll, and working capital needs such as inventory. RBC business clients should speak with their RBC Account Manager to learn more about the application process and eligibility criteria. RBC business clients who do not have a dedicated RBC Account Manager can click here to receive a call back from RBC. Clients that have applied for the CEBA program and/or the EDC BCAP Program may also apply for the BDC Co-Lending Program. Your RBC Advisor can help you determine which solutions are suited for your financial needs. RBC is also 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: You can quickly and easily request us to temporarily waive the requirement that you pay your minimum payment on your credit card for up to two months, by using our new online webform. The webform is available through RBC Royal Bank Online Banking. Should you require additional financial relief, beyond the first two months, please contact an advisor for additional deferrals up to a total of six months. The COVID-19 outbreak has caused an increased demand for financial relief. As a result, our people 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 accepted. Please check your Message Centre in RBC Royal Bank Online Banking for updates. During the deferral period, you will continue to accrue interest charges at your current annual interest rates and we will add those charges to your outstanding balance. This will increase the outstanding balance on your credit card at the end of the deferral period. To further help your business during this difficult time, if you are receiving a minimum payment deferral, credits will be applied to the credit card account to reimburse your business for 50% of the interest charged to your account during the relief period. These credit(s) will be displayed on upcoming statement(s). After the relief period your business will no longer be eligible to receive credits to the account for your interest charged. Our priority is the safety and wellbeing of our employees and our clients. We continue to work closely with international and local public health authorities to monitor the situation regarding the Coronavirus. Our branches and offices have incorporated added precautionary measures including enhanced hygiene protocols. We will continue to follow the guidance of local and international health authorities to make informed decisions. 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. RBC has committed an initial $2-million in support of COVID-19 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. Grez vos finances personnelles en direct et en tout temps. Accdez aisment vos comptes, de l'information jour et des services de gestion, 24 heures sur 24, sept jours sur sept. Servez-vous de nos commandes vocales interactives trs utiles pour payer des factures, virer des fonds et passer en revue l'activit de votre compte. Grce cette mthode simple et commode, vous pouvez faire vos oprations bancaires quotidiennes de n'importe quel tlphone, de faon efficace. 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Since our incorporation as a Canadian chartered bank in 1869, RBC has grown to become one of North America’s leading diversified financial services companies providing banking, wealth management, insurance and capital markets services on a global basis. Could not process this client request HTTP method request for URL. Please double-check the URL (address) you used, or contact us if you feel you have reached this page in error. Click the “Back” button on your browser or go to the home page. Are you looking for any of these Linked In features? Banque royale rbc rbc app Personal and Business Banking Services - RBC Royal Bank Explore the personal and business financial services and products that RBC offers to individuals, small businesses and commercial clients in Canada. RBC Economics provides RBC and its clients with timely economic forecasts and analysis. A forward-looking analysis of Canadian, U. S. and international financial market trends. An in-depth analysis of the key drivers of economic activity in Canada and the US including a discussion of global factors that will affect these near term forecasts. Quels que soient vos besoins, RBC Banque Royale a une vaste gamme de produits, services et outils bancaires aux particuliers à vous offrir pour vous aider à gérer vos finances, à épargner pour la retraite, à acheter une maison et bien plus encore. 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.