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    How to Bank Online with RBC (Canada)

    Pre‑Requisites

    • RBC Client Card or credit card number
    • Postal code and date of birth for verification
    • Email address and mobile phone number
    • Access to the RBC Online Banking enrolment page or RBC Mobile app

    Step‑by‑Step

    1. Go to RBC Online Banking: Navigate to RBC Online Banking or open the RBC Mobile app.
    2. Enroll or Sign In: If you are new, click "Enroll Now" and enter your client card number, postal code and other identifying information. Existing users can sign in with their username and password.
    3. Create Credentials: Follow prompts to choose a secure username and password. Use a unique password and never reuse credentials from other sites.
    4. Verify Your Identity: You may be asked security questions or to enter a verification code sent to your email or phone.
    5. Enable Two‑Step Verification: Turn on 2‑Step Verification in the Security Centre. RBC will send a push notification or code to your trusted device whenever someone tries to sign in from a new device.
    6. Set Up Interac e‑Transfer: Add your email and mobile number to send and receive money securely.
    7. Deposit Cheques: In the mobile app, select "Deposit," enter the amount and photograph the front and back of your cheque.
    8. Manage Your Account: Use the dashboard to check balances, pay bills, transfer funds and add payees.
    9. Log Out Securely: Always sign out and close your browser or app when finished, especially on shared devices.

    Troubleshooting

    • Forgot Password: Click "Forgot Password?" on the sign‑in page and follow the prompts to reset it.
    • Locked Account: Too many failed attempts can lock your account. Call RBC Online Banking support at 1‑800‑769‑2511 for assistance.
    • No Verification Code: If you don't receive a 2FA code, check your spam folder or ensure your phone number is correct. You can also use the RBC Secure Key app.
    • Mobile Deposit Issues: Ensure there is good lighting and the cheque is on a dark background; retake the photo.

    Frequently Asked Questions

    Do I need to visit a branch to enroll?

    No. You can enroll online or through the RBC Mobile app. Some accounts may require identity verification in person.

    What if I forget my username?

    Use the "Recover Username" link on the sign‑in page and provide your client card number and email.

    How do I change my contact information?

    After signing in, go to Settings & Preferences to update your phone number and email address.

    Can I send e‑Transfers immediately?

    Yes. Once your email and phone number are registered, you can send and receive e‑Transfers.

    Is two‑step verification mandatory?

    While optional, RBC strongly recommends enabling it for added security.

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