Bruce kent rbc royal bank mastercard The Bruce Kent Group of RBC Dominion Securities is an incredible team providing top-quality discretionary investment management. Clients appreciate the team’s hands-on attention to their portfolios and thoughtfulness on a personal level. Bruce Kent Group - RBC Dominion Securities Inc. The Story of Tina Proulx Making A Difference Tina Proulx faced insurmountable financial barriers to receiving life-saving treatment when she was forced to move to one of the most expensive cities in the country without any income. Learn how StayWell emerged to help Tina make the easy decision of.

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Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Local employment centre 1, rue Place du Commerce Brossard (Québec) J4W 2Z7 See on map Monday, Tuesday, Thursday and Friday: to and to Wednesday: to and to Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Centre local d’emploi Édifice Jos-Montferrand, Palais de Justice Centre local d’emploi 170, rue de l'Hôtel-de-Ville, suite 9.1 Gatineau (Québec) J8X 4C2 See on map Monday, Tuesday, Thursday and Friday: to and to Wednesday: to and to Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Centre local d’emploi 120, chemin de Gros-Cap Cap-aux-Meules (Québec) G4T 1K8 See on map Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Services Québec of Chomedey 1438, boulevard Daniel-Johnson Laval (Québec) H7V 4B5 See on map Monday to Friday: to , by appointment only from to If you know your RBQ file number, please write it at the back of your cheque. For the licence maintenance dues, payments in person at this service point can be made on the same day of the deadline. Régie du bâtiment du Québec 545, boulevard Crémazie Est, 4 floor Montréal (Québec) H2M 2V2 See on map Phone: 514-873-0976 Toll-free: 1-800-361-0761 Fax: 514-873-7667 or 514-864-2903 Toll-free fax: 1-866-315-0108 or 1-866-315-0106 Write to us Monday, Tuesday, Thursday and Friday: to Wednesday: to Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Centre local d’emploi de Repentigny 155, rue Notre-Dame, suite 25 Repentigny (Québec) J6A 5L3 See on map Monday to Friday: to Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Centre de services 275, rue Latour Ground floor, suite 02 Saint-Jérôme (Québec) J7Z 0J7 See on map Monday to Friday: to , by appointment only from to Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Édifice Bissot, Centre administratif 456, avenue Arnaud, RC-11 Sept-Îles (Québec) G4R 3B1 See on map Monday, Tuesday, Thursday and Friday: to and to Wednesday: to and to Please note that it is impossible to submit in person or by mail any documents or forms at this service point. Local employment centre of Sherbrooke 70, rue King Ouest, suite 100 Sherbrooke (Québec) J1H 0G6 See on map Monday, Tuesday, Thursday and Friday: to and to Wednesday: to and to Please note that it is impossible to submit in person or by mail any documents or forms at this service point. 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 com/travelredemption. For complete terms and conditions that apply to the RBC Rewards program, please visit: call RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and certain bill payments, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. 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 pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus. 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 for complete details. Click here You will earn 1.25 RBC Rewards points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa's “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 RBC Rewards points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the RBC Rewards Terms and Conditions at: https:// Rbc cremazie rbc fairview mall RBC has the largest branch and ATM network across Canada. Use our locator tool to find the RBC branch or ATM nearest you. Place Cremazie 50 Boul Cremazie W. Maps and GPS directions to RBC Montreal QC H2P 1A2 and other RBC Royal Bank locations in Canada. Find your nearest RBC Royal Bank. The Royal Bank of Canada Banque Royale du Canada is the largest bank in Canada with 1209 branches. A Routing Number/Transit Number is used while doing financial transactions. Routing Number identifies the beneficiary financial institution and the branch to which a payment is being initiated. Routing/Transit Number is essential for making payments through the clearing system. Find Routing Number for any Bank/Trust by selecting Province and City and then Bank/Trust Name. A Routing Number/Transit Number is used while doing financial transactions. Routing Number identifies the beneficiary financial institution and the branch to which a payment is being initiated. Routing/Transit Number is essential for making payments through the clearing system. There are two types of Routing Numbers used in Canada. There are two types of Routing Numbers used in Canada. EFT Routing Number: EFT stands for Electronic Fund Transactions. EFT Routing Number is a three digit financial institution number and a five digit branch number, preceded by a leading zero. Example : 000137149 Leading zero: 0 Institution Number: 001 Branch Number:7149 2. Transit Number (MICR) Magnetic Ink Character Recognition(MICR), is a character recognition technology used by the banking industry to facilitate the processing of cheques. Routing Number can be found at the bottom of the cheque. Example : XXXXX-YYY XXXXX : Branch Number YYY : Institution Number Read more.. Society for Worldwide Interbank Financial Telecommunication(SWIFT) has defined standard format of Business Identifier Codes which is called as SWIFT code or BIC Code. It acts as a unique identification code for both financial and non-financial institutions. Swift code is used while transferring money between banks, particularly for international wire transfers, and also for the exchange of other messages between banks. SWIFT handles the registration of SWIFT codes across the world. 1) Hwy #2 & Liverpool - Pickering, ON 2) Bathurst & Rutherford, Toronto, ON 3) Blind River, Blind River, ON 4) Boul D'Anjou, Chateauguay, QC 5) King St. , Chatham, ON 6) Lacewood Dr , Halifax, NS 7) King St, Cobourg, ON 8) Findlay Creek, Peguis, MB 9) Findlay Creek, Ottawa, ON 10) Taunton Rd, Oshawa, ON 11) Mapleview Dr W, Barrie, ON 12) Avenue NW, Edmonton, AB 13) Innes Rd, Orleans, ON 14) 104th Ave NW, Edmonton, AB 15) Cooper Rd, Kelowna, BC 16) Pape & Danforth, Toronto, ON 17) Peguis Reserve, MN 18) Oakenwald, Winnipeg, MN 19) Pembina HWY, Winnipeg, MN 20) Place Cremazie, Montreal, QC 21) Place Ville Marie, Montreal, QC 22) Goderich St, Port Elgin, ON 23) Portage Rd, Niagara, ON 24) Chemin Queen Mary, Montreal, QC 25) Queens Quay, Toronto, ON 26) RBC Experience Sherway Gardens, Toronto, ON 27) Mc Cleod Ave, Spruce Grove, AB 28) St.


You are on: Corporate Profile For more than 100 years, RBTT has been building strong businesses in the Caribbean, creating and delivering a comprehensive range of quality financial services through well-trained and committed staff. All mentioned Banks, Royal Bank of Canada, RBC Montreal branches listing has a contacts, phone number, location and opening and closing times. Click the name below to get Royal Bank of Canada, RBC Montreal opening hours and for detailed information. Rbc cremazie rbc ipad 2019 Please note that the information for Royal Bank of Canada,RBC In Montreal, 50 Boul Cremazie W and all other Branches is for reference only. It is strongly recommended that you get in touch with the Branch Phone 514 385-4100 before your visit to double-check the details and other questions you may have. RBC Branch & ATM - Place Cremazie at 50 Boul Cremazie W in Montreal, Quebec H2P 1A2 store location & hours, services, holiday hours, map, driving directions and more RBC has the largest branch and ATM network across Canada. Use our locator tool to find the RBC branch or ATM nearest you. Place Cremazie 50 Boul Cremazie W. Many Canadians are applying for financial relief through the Canada Emergency Response Benefit (CERB). To access your money faster, you can sign up to receive direct deposits from the Canada Revenue Agency (CRA) for eligible payments such as CERB. 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 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 further help clients during this difficult time, 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. Eligible personal and business credit card clients already receiving minimum payment deferrals will be reimbursed for 50% of the interest charged during the deferral period. This credit will be displayed on the client’s upcoming statement(s). To support seniors, and anyone who may be more physically vulnerable, 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. We appreciate your cooperation in keeping our community and each other safe and healthy. As we continue to navigate and monitor the COVID-19 outbreak, we want to ensure you continue to have access to your financial statements without delay from RBC. For RBC 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 RBC Online Banking to access your e Statements. If you don’t have access to RBC Online Banking yet, enrolling is simple and quick. To access your documents electronically through RBC Online Banking: In times of crisis, it’s important to come together as a community to support one another. RBC wants to help provide you with the support you need, and that includes immediate and longer term relief for clients facing challenging circumstances. The RBC Client Relief Program includes: Hardship Relief To help 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 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 or request a callback. For immediate financial relief: To proceed with one month of relief: (for longer options see "Longer Term Relief Instructions"); for financial relief for Lines of Credit or Homeline Plan, see “Lines of Credit”) : Payment deferral 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 deferred. Program Details: Note that skipping a payment is a deferral, not a waiver of that payment. When you defer a payment, the interest portion of all deferred payments is added to your outstanding balance at the time of deferral and interest is charged on that amount at your mortgage interest rate. This means your mortgage balance will increase if no other changes are made to your payment schedule or regular mortgage payment amount over the life of your mortgage. Your payment amount 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 defer a payment you must still pay the portion of your payment that covers your property taxes and Insurance Premium, if applicable. Note: Deferring payments 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. Update: RBC will provide a credit to assist with offsetting the interest charged on deferred interest payments during the deferral period. Eligible clients will receive this credit following the end of our deferral period, if their loan is in good standing and has not been repaid in full by the time the credit is applied. We will process a one-time credit following the end of RBC’s deferral program. The credit will be made to your loan account towards the end of the year*. Additional Assistance or Other Questions about the Mortgage Skip-A Payment Feature: If you are not enrolled in RBC Online Banking or are unable to book an appointment, you can request a callback for Mortgage Skip-A-Payment help/processing. 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. Request a Callback from RBC Deferring a payment function is available through RBC 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. Program Details: Note that skipping a payment is a deferral, not a waiver of that payment. If you defer a payment and your loan is protected with Loan Protector Insurance, the premium (for the period of the deferred 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. Fixed Rate Loans: If a payment is deferred for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. For fixed rate loans, deferred interest will still be added to the outstanding balance but interest will not be charged on the deferred interest amount. Variable Rate Loans: If a payment is deferred 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. Update: For variable rate loans, RBC will provide a credit to assist with offsetting the interest charged on deferred interest payments during the deferral period. Eligible clients will receive this credit following the end of our deferral period, if their loan is in good standing and has not been repaid in full by the time the credit is made. We will process a onetime credit following the end of RBC’s deferral program. The credit will be made to your loan account towards the end of the year*. Note: Deferring a payment under either a fixed rate loan or a variable rate loan may result in extending the amortization period of the loan and 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. Additional Assistance or Other Questions on financial relief for personal loans: If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback for personal loan help. 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. Request a Callback : 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. Program Details: Note that skipping a payment is a deferral, not a waiver of that payment. If you defer a payment and your loan is protected with Loan Protector Insurance, the premium (for the period of the deferred 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. Fixed Rate Loans: If a payment is deferred for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. Deferred interest will still be added to the outstanding balance but interest will not be charged on the deferred interest amount. Variable Rate Loans: If a payment is deferred 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. Update: For variable rate loans, RBC will provide a credit to assist with offsetting the interest charged on deferred interest payments during the deferral period. Eligible clients will receive this credit following the end of our deferral period, if their loan is in good standing and has not been repaid in full by the time the credit is made. We will process a onetime credit following the end of RBC’s deferral program. The credit will be made to your loan account towards the end of the year. : Deferring a payment under a fixed rate loan or a variable rate loan 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. : 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 RBC Online Banking, you need your transit and loan number. You can find this information in your Welcome Letter and/or your Annual Statement. Additional Assistance or Other Questions on financial relief for personal loans: If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback for auto loan help. Request a Callback For immediate financial relief: Our call centres are experiencing extremely high call volumes. For clients enrolled in RBC Online Banking immediate access to request temporary financial relief is available, please use our self-serve options found in RBC RBC 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 may provide some short-term financial relief to you during the COVID-19 situation. You should carefully evaluate your financial situation and priorities before exercising this option. 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. During the relief period you always have the option to make one or more payments toward your outstanding balance. 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(s). At the end of the relief period, your minimum payment will again become due and you will no longer be eligible to receive credits to your account for your interest charges. If your credit card account is already 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 will increase your outstanding balance. Interest will not be charged on Balance Protector insurance premiums. Additional Assistance or Other Questions on financial relief for personal loans: If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback for credit card help. 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. Request a Callback New: Up to 6 months of relief for your line of credit payments may be temporarily available to you. This includes payments on the credit line portion of your Homeline Plan or on other credit lines. Such payment relief can help free up cash flow and can only be done with the help of an advisor. It’s important that you understand how such relief will impact your finances. While this option may be available to you, it may increase your interest costs and the outstanding balance on your line of credit. Before making any decisions, please evaluate your financial situation and priorities, understand your options, and book a call with one of our advisors using the online booking tool through RBC Online Banking. If you’re not enrolled in RBC Online Banking, click here for instant enrollment. If you have a line of credit with RBC including you may qualify to either use your available credit to make monthly payments of interest, or defer up to six months of payments. There may be different relief options available depending on the type of payment you are making and whether you have available credit on your credit line: Blended payments: If you currently have a blended payment (i.e. your regular payment goes towards interest, insurance and principal) and your account is in good standing, the following options may be available to you: Interest only payments: If you are currently making interest-only payments on your line of credit, are in need of additional relief and your account is in good standing, the following options may be available to you: Important: If you choose to defer payments, at the end of the deferral period, you will have the option to either commence paying the blended payment amount that you set prior to the deferral, or revert to paying interest only. In order to convert back to interest-only payments, all unpaid interest, all interest charged on that amount, and outstanding insurance premiums (if applicable) must first be paid in full. Before making any financial decisions regarding your line of credit payments, please contact one of our RBC advisors who will provide you with options and advice for your particular financial situation and priorities. You can also change your payment relief or deferral period at any time by speaking with an advisor and paying back all unpaid interest, all interest charged on that amount, and outstanding insurance premiums (if applicable). You can also resume your blended payments at any time before your relief period ends. Note: Deferring your payments on your credit line or using your credit limit to cover your interest and insurance premium (if applicable) may increase your interest costs over the life of your credit line. Speak to an advisor to evaluate your financial situation, priorities and needs. For relief on your Line of Credit: Please use our online booking tool through RBC Online Banking to schedule a time to speak with one of our advisors by phone. Update: For those clients who are at or near their credit limit who defer payments, with the result that interest is charged on deferred interest (noted as “Interest Past Due” on your monthly statement), RBC will provide a credit to assist with offsetting the interest charged on deferred interest payments during the deferral period. Eligible clients will receive this credit following the end of our deferral period, if their line of credit remains in good standing, has a balance outstanding and has not closed by the time the credit is applied. We will process a onetime credit following the end of RBC’s deferral program. The credit will be made to your line of credit towards the end of the year. More financial relief may be available for these and other products by speaking with one of our advisors. 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. 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 RBC RBC 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 RBC Online Banking are safe, easy-to-use and available 24/7. Clients can: RBC Rewards / Avion: The Federal Government’s continued restrictions & travel advisories for all non-essential global travel may impact your RBC Rewards travel bookings. Learn more about RBC Rewards Travel during COVID-19, trip changes, cancellation policies and travel insurance. Some of our Rewards offerings have been impacted by COVID-19. 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 $9 million in support of COVID-19 community response efforts RBC is a founding partner of the Mental Health Fund. RBC is helping support Crisis Text Line (United States), Kids Help Phone (Canada), Shout (UK) and (Ireland) to provide mental well-being supports to young people. Demi Lovato, Royal Bank of Canada, Virgin Unite, and Draper Richards Kaplan Launch Coronavirus Mental Health Fund RBC has donated funds to The World Health Organization’s COVID-19 Solidarity Response Fund. RBC is providing support to a team of researchers at Sinai Health and the University of Toronto with funds to back the early stages of developing a blood test that can identify who is immune to COVID-19 on a mass scale. Apply for Funding 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. Our collective commitment to helping young people prepare for the future of work remains unwavering, and in an effort to better meet the immediate needs of young people during the uncertain weeks and months ahead, RBC Future Launch has created a new webpage dedicated to virtual programming – RBC Future Launch at Home. Together with our partners, we’re working closely to identify opportunities to pivot and adapt their programming to ensure that young people will be able to access it. We want to continue to facilitate learning opportunities and offer resources for young people – even if that means doing so in a virtual setting! , 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. If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback from one of our advisors for assistance. Request a Callback For immediate access to request relief, use the self-serve options available RBC Online Banking where you can request a month of relief and then book an appointment with an advisor to determine if you are eligible for further financial support. If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback from one of our advisors for assistance. Request a Callback To help clients with immediate relief, many of these programs are available online and by self-serve to allow you to request to defer one monthly payment on most credit products including mortgages, credit cards and loans. We are committed to help provide longer-term support as well, and encourage you to speak with an advisor and book an appointment online. If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback from one of our advisors for assistance. Request a Callback There are no specific fees or penalties in order to obtain relief under the program. However, deferring a payment could result in other impacts such as changes to the amount you owe or your repayment schedule or increasing your minimum payment or outstanding balance on your credit card. The deferred interest will be added to the outstanding balance and interest will be charged on this new balance. You should carefully evaluate your financial situation and priorities before exercising any of these options. Clients still need to pay their property taxes, creditor insurance and property insurance on a current basis. Yes, the financial relief program is available to any client experiencing financial hardship resulting from COVID-19. If you cannot activate a deferral through RBC Online Banking using our self-serve tool, please book an appointment online to speak with an advisor to set up the deferred payment. If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback from one of our advisors for assistance. Request a Callback At this point we intend to continue to make the program available until June 30th, 2020 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. You could elect, for example, to request to defer one monthly payment online now and then call in to request 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 the minimum payment on your credit card for one month, by using our new online webform. The webform is available through RBC Online Banking. Should you require additional financial relief, beyond the first month, please contact an advisor to request additional deferrals up to a maximum of six months. Please note that approval of deferral requests are not guaranteed. 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. Please note that approval of deferral requests are not guaranteed. outbreak has caused an increased demand for financial relief. As a result, our staff and our systems are working as quickly as possible. If you apply for a deferral through RBC Online Banking, 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 Online Banking for updates. Interest will continue to accrue at your annual interest rates during the period you are receiving a minimum payment deferral – the relief period. We will add your interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance on your credit card to increase during the relief period. 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(s). After the relief period you will no longer be eligible to 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 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 will increase your outstanding balance. Interest will not be charged on Balance Protector premiums. RBC will provide eligible clients with a credit to assist with offsetting the interest charged during the deferral period on deferred interest payments for loans that charge interest on deferred interest. We will process a onetime credit following the end of the loan payment deferral period to ensure we capture all clients who have deferred payments and who have an open personal mortgage/loan account in good standing when the credit is processed. The credit will appear on your statement towards the end of the year. The amount of compound interest charged during the deferral period is a factor of the interest rate, principal amount and how many monthly payments have been deferred. For example, if you are deferring for six months, with a $250,000 mortgage and paying 3% interest, the compound interest amounts to $32.80 during the deferral period. You still need to repay the deferred interest payments. We will be crediting the interest on interest accrued during the deferral period, and that’s calculated based on your interest rate, principal amount and how many monthly payments have been deferred. 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 RBC RBC 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 enhance our cleaning protocols 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. For more information on how to sign up for RBC Online Banking or to download the RBC Mobile app click here. If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback from one of our advisors for assistance. Request a Callback 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. If you are not enrolled in RBC Online Banking or unable to book an appointment using our online booking tool, you can request a callback from one of our advisors for assistance. Request a Callback 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 account 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. (Stop payments for pre-authorized payments on your RBC credit card must still be handled with the merchant directly.) Enrolling in RBC Online Banking is simple and quick. 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 related phishing scams cropping up. For more information on these current scams and other important information, please visit our Cyber Security Alerts page. 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. 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 RBC 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: RBC clients can use RBC Online Banking and RBC Mobile app to enroll to receive direct deposits from the Canada Revenue Agency (CRA) for eligible CRA payments – including payments to be received by eligible clients who apply for the Canada Emergency Response Benefit (CERB) through the Government of Canada. 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. Clients who are already registered for CRA Direct Deposit do not need to register again and only need to apply through the Government of Canada for the CERB. For questions and information about CERB, please visit the Government of Canada’s website. For RBC digital enrollment, if you are unable to sign up on your own and need support, you can have one of our advisors call you by using our online booking tool. 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 While some of these options may be available to you, they may increase your interest costs or your outstanding principal balance over the life of your loan or increase the outstanding balance on your credit card during the relief period, if applicable. You should carefully evaluate your financial situation and priorities before exercising any of these options to the extent they are available to you. The RBC Client Relief Program is subject to change and is available for a limited time with some options available only until June 30, 2020.