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RBC basically shut down my whole banking account
Posted by on
I'm furious. I've been a customer of RBC Royal Bank for 10 years, since 1999. I was even staff at RBC Dominion Securities for three years, and held staff accounts at the bank during the times that I worked for them.

My complaint, review, whatever you would call it is now 40 days after the intitial screw up on their part and still nothing has been resolved. All I receive now is stonewalling on behalf of the bank, and I'm not even looking for any damages, save for maybe a few NSF charges getting reversed that have accrued due to their actions.

It all started when I tried to turn my financial situation around...

I had been renting a house for $1040 plus utilities alone. It was a struggle, running my own home based business in this economy, and a struggle to make ends meet. Even in this horrible economic climate, I still managed to get my rent and utilities paid, including a $100 per month payment to RBC Visa.

My account is quite basic, I only have a $2500 limit on my Visa card and a $500 overdraft facility on my bank account.

In order to turn my financial situation around, I got permission from my landlord to sublet my premises and filled my place up with roomates. Yay; my rent and utilities were now covered by my roomates and effectively my living and shelter cost were now free.

One of my tenants was on social assistance and the ministry gave me two cheques. One for $200 for the damage deposit, and one for $433 for the first month's rent. My account was at a balance of roughly $80, and I deposited the two cheques for a total of $633. My account has an overdraft facility of $500 - so I withdrew $1000 to pay my landlord; leaving still some room on the overdraft facility to cover my $100 monthly VISA payment.

Somewhere, in the dark annals of RBC, trouble was brewing... Without warning, phone call, letter, or anything, they decided to lock my client card and restrict all of my accounts because of this transaction. I didn't find this out until Friday the 17th - 4 days after I made the deposit, when I attempted to pop my card into the bank machine the machine would just spit it back out before I could do anything.

During this time, I had been securing more tenants for my premises. My financial management was sound; I had deposited the cheques, withrdrew the monies, bringing my account to an overdraft position, the VISA payment should have come out, and then by Saturday I had a new tenant moving in for a $100 damage deposit plus rent of $433 which would have more than covered my overdrawn position.

Unfortunately, the bank had locked my account so even when I received the money from my tenant, I couldn't put it into my RBC account because my cards were locked up.

I called on the 17th their client care center, and asked them why my card was locked. They said there was some transactions that had occurred outside of my regular pattern and that I would need to present ID in the branch and confirm the transactions. I assumed it had to do with the social assistance cheques, I've heard stories of photocopied assistance cheques being used for fraud, and since I was listed as self employed, it made sense.

I went to the branch the very next day, presented ID - but this is where things started to get bizarre.

Apparently risk management would not do anything unless they could speak to my branch manager. Now I deal with the downtown main branch, I don't know anyone there. I decided to deal there because I had worked downtown, and I had had some bad experiences dealing with Surrey branches, because they treat everyone like criminals out there. So they said I had to wait until Monday and go back to the branch.

Monday I showed up at the branch, presented ID, and the poor CSR there was absolutely dumbfounded with the response she was getting from Risk Management. She looked at my account, and from her perspective, nothing was really amiss. I had an overdraft, I used it, I had a $1000 cash back limit on ATM deposited cheques, and I had only taken $600. My withdrawal limit was $1000 per day, and my POS limit was $10000. Risk Management was telling her that they wanted to wait on a 5 day hold for the cheques to clear; which was abnormal considering my cash back limits. She later realized that 5 days had passed, and checked- the cheques had of course cleared.

RBC Risk Management still refused to unlock my accounts unless someone in my branch who had a personal relationship with me unlocked them themselves. I was beside myself. 4 hours now spent in the branches and I had made zero headway, even though the cheques had cleared?

Exasperated, I asked her to call my branch; if I had travelled across town to get to my branch then they would be closed by the time I got there, and I had already presented ID to her.

She got the Branch Manager from the downtown main branch on the phone, and I breathed a sigh of releif. Someone who could clean up this mess. Little did I know this guy was worse than the Risk Management people. Things were about to go from bad - to horrible.

I talked to the guy briefly, told him my story. About the tenant, the social assistance cheques, how there must have been a mix up. How I just wanted my accounts unlocked so that I could go back to normal banking life.

He instructed me he would not unlock my accounts, that he was removing my overdraft facility, and the only way that I could use my account was if I brought my account out of overdraft (by depositing money, he with the stroke of a key had removed $500 in available credit), and that even if I brought my account out of overdraft, I would have to appear in the branch and present ID in order to have my account restricted from 'deposit only' status. Furthermore, he told me that I would have to make all my deposits via the teller; that my ATM card was locked.

Eventually, he climbed down a little bit - he said I could use the ATM card to make deposits. But I'd still need to go to the branch to remove the lock (even if I dropped in a cheque for $10000 that cleared) and that he was still removing my overdraft.

Its important to note that in 10 years, I've never once deposited a bad, fraudulent cheque. I've never once had a client cheque I've deposited bounce on me. I rarely have missed a monthly VISA payment, even though my VISA was over it's limit and I wasn't making any headway at all.

I complained to the RBC Ombudsmans office. I used to work at RBC, and I could see where this was going. Risk Management loaded up my branch manager with crap to say, and he piped it off hook line and sinker and wouldn't budge. The Ombudsmans office wanted me to file a complaint with client care first, and forwarded my complaint to some goof in Montreal who didn't bother to phone me, yet chose to write me a letter and mail it. I faxed my complaint in and he had it in his hands within 48 hours. His mail to me took at least 7 days to arrive. For the most technologically advanced bank in Canada; the horse and cart delivery method was a joke; he could have at least faxed me a copy and mailed the original.

His response was an exercise in revisionist history. He said that when I deposited the cheques, they did a review of my account and determined that I was kiting. Kiting is where you are covering credit payments with other credit to continually keep all the credit in a circle, never paying anything off. Typically kiting is done with a series of bank accounts at different banks where you write cheques paying down the overdraft from each of them in a circle. Kiting is the same thing with credit cards, where you withdraw a bit from one and then pay it off with another.

These were my main accounts; credit card. I deposit money to them regularly; I have no other accounts. How the hell could I be kiting?

Furthermore, nobody told me of any of this crap when my accounts were locked. They just said they wanted the cheques to clear.

With my overdraft locked and accounts locked the accounts are useless to me. I don't mind paying them back for the overdraft, but I would have appreciated a gradual removal or at least warning. I have to cash my cheques at the local money mart because I don't trust giving them to the bank; the money is safer in cash than it is handing it over to them.

They also told me in some kooky story that my Visa limit was the cause of my troubles. I told them that this was hogwash, on the 8th I had spoken to Visa and made arrangements for an extra payment of $96 on the 26th of the month. Ironically, when I got back from the branch on the 19th, they called - informing me that my $100 automatic payment had been returned. They were still all right with me, after I told them the stupid things that had occurred that day.

In the end, now I'm waiting for 40 days for another complaint via the Ombudsmans office. I carry all my money in cash. I haven't been able to make a Visa payment since then because my accounts are locked. I lost $500 in available credit, and I'm paying 4% to cash my cheques. My VIP banking package is still costing me $30 per month.

My Branch Manager on the phone was quick to offer to kill my VIP service account - but I told him no f-ing way. You see you have to qualify for a VIP account - and if he took that off then I wouldn't have a leg to stand on.

I'm furious. The people at this bank have changed so much. When I first worked there, they bent over backwards for clients. Now it seems that they don't want anyone who doesn't keep $30000 in the bank. What's dumb, is that when you keep a lot of money in cash in the bank, you don't even pay fees. I'm paying fees through the nose for my services, ranging from OD protection to unlimited transactions to Visa interest. They're making a killing off of my financial situation.

Just as I was about to turn it around, they went and kicked me in the balls. What a bunch of jerks; even the Ombudsmans office us useless as a last resort complaint.
     
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MSCANTBEWRONG on 2009-08-28:
I think it was wrong of you to write a check for more than you had in your account thereby kicking in your overdraft protection. Overdraft protection is there in case of an oversight, not to be used as extra cash. I'm afraid you are the catalyst for this mess. Good luck in straightening it out.
Mrs. V on 2009-08-28:
Ms, I think in Canada, the overdraft protction thing is sometimes used as a 'loan' amount (I know a few people in Canada that do this). Though I'm not sure. Anyone from Canada on here that can confirm this, please?
MSCANTBEWRONG on 2009-08-28:
Thanks Mrs V...I did not know that. Although, I still think that's using one type of credit to pay for another credit bill. Kind of like the bank said.
Mrs. V on 2009-08-28:
Me,too. I really don't think it's smart, but I do hope this works out for the OP.
bcd on 2009-08-28:
You withdrew $1000 from an account that had a balance of $633. Using the $500 overdraft coverage as part of your bank balance was not a wise decision. You brought this upon yourself.

You should not be spending the damage deposit money you received from your tenants. That money is not yours.
MaggieMcT on 2009-08-28:
You were wrong on so many levels here. And you used to work there? No wonder they expected better.
Fufu487 on 2009-08-28:
As said above, the OP is in Canada and the banking system is a little different here. We don't consider overdraft a bad thing as long as its paid off regularly. It's like additional credit to your account, and you need to be approved for it ahead of time.

If your unhappy with RBC, check out PC financial. I've been with them for a very long time and have been very happy with their service. The bonus?? There's NO banking fees. overdraft protection is free (well theres a one-time charge of $4.97 if you go into, but they don't keep re-charging you). Its all over Canada, check it out :)
Mrs. V on 2009-08-28:
Thank you for the confirmation on my information, Fufu ^_^
Fufu487 on 2009-08-28:
np Mrs.V! :) You were dead on :)
Bm500 on 2013-02-14:
Yes RBC is the most unforgiving financial institution in Canada. I have had experiences with them being extremely rude to clientele. Once many years ago their bank machine failed to take a deposit properly and they accused me of trying to 'fool' the machine by putting in an empty envelope which was not the case. I was young so they made this judgment and ripped up my client card in front of my face. I was in tears. I have not forgotten that event and I will never offer them my business again.
Also I have friends who had problems too.
One mistake with them and it's slapped on your credit history too, where others will allow and first or second time forgiveness. Not the Royal.

Oh and my husband who still is with them in spite of my complaints just ordered cheques, cost him $50 bucks for 4 plain jane checkbooks.

Get real.
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How can such an awesome Canadian Bank allow a US counterpart be such an embarrassment
Posted by on
FT LAUDERDALE, FLORIDA -- I have been banking with RBC Royal Bank in Canada for 7 years and RBC Bank USA for 4 years. I always received nothing less than amazing customer service in Canada and expected the same when I opened a cross border account in the USA. After moving to the USA in 2007 I kept both banks open in order to maintain relations in both countries for ease of cross border transfers.

To my amazement I recently incurred 500.00 in service charges on my US account. The reason...We deposited a check in to the ATM, drawn on a different US bank that we have. Because we just moved to Florida from Mississippi we are currently trying to convert all of our ACH auto pays from one bank to the other. One of the auto pays that was to convert to RBC was done quicker than we were informed. We caught this in time on Sunday to run to the ATM and deposit a check from the other bank in Mississippi, as the item was to clear on Monday. In our haste we forgot to sign the deposited check.

The 'person' who verified the deposits noticed there was no signature and reversed the deposit. We still had enough funds to clear the ACH Payment that clearing, however the 15+ Pocket charge transactions that we had already done on our card now had no funds available to clear. Rather than call us on Tuesday morning to notify of the missing signature, no one called. When we went online to check our account Thursday night, we discovered the problem. Evey item $2 - 20 that cleared from our pocket check card incurred a $35 NSF plus a $6 reentry fee. Although the Canadian reps were very concerned they were not able to reverse anything over 10.00. We went to the branch in Florida at 900 am Friday to discuss the situation with the branch manager who said it was not their error.

He contacted the Senior area representative who offered to refund us 49.00. I was totally appalled by this!! ..In 30 years of banking I have received 1 NSF Charge prior to this(which was reversed)The gal at customer service in Rocky Mount, NC was pleasant and was able to manage a reversal of 225.00 from the bank manager in Ft Lauderdale.,,because again, it was 'our' error. OK, charge us for 'rentry fees. - but this is absolutely ridiculous. I am sick to my stomach about this. RBC Financial Group in Canada needs to take a close look at their US counterpart to see how they are ripping people off because of their lack of knowledge about how their own systems work. This bank is an embarrasssement to RBC Financial Group in Canada. Monday, I call the ombudsman in Toronto, wish me luck!
     
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Fees
Posted by on
BIRMINGHAM, ALABAMA -- RBC bank recently purchased First American Bank in Alabama. Due to the drastic change in the way that they post your deposits and check card fees it threw my account into the negative. I continued to get hit with fees while my deposit was waiting to be posted (for three days). This ended up costing me over $500 dollars just in bank fees. I've had the same checking account for 10 years and have never had this kind of issue.

After speaking with RBC customer service and getting nothing resolved other than them passing me off to one of the branches, I've made the decision to close my account and go with a more local bank. I would advise anyone looking to bank with RBC to completely check out the processing of their deposits and check card transaction before making the decision to open an account.

Who wants to use a bank that's based in Canada anyway? We live in the USA people!!!
     
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Hugh_Jorgen on 2008-07-18:
I think you will find all banks are behaving more like RBC. The days of playing the float on your account and trying to time checks to "hit" after the deposit is made are over.

The new rules have the money in your account before you attempt to remove it and you will be fine.
Anonymous on 2008-07-18:
I recently switched to locally owned and operated bank. I couldn't be happier. They pay me between 4 and 5 percent on my checking account, deposits post right away and ATM fees are refunded. I was even assigned my own personal banker who proved to be a big help recently.

As with all things if you deal with locally owned and operated businesses you'll be treated with respect and your business will be appreciated.
Anonymous on 2008-07-18:
Q "Who wants to use a bank that's based in Canada?"

A: People who are happy with 'stimulus checks' funded by the People's Republic of China...you know, the place that makes nearly all of the American consumer goods.

sophie12 on 2008-07-18:
I have been with RBC bank for over 10 years, never had any problems but I do keep up with my balances and activity. Good idea don't spend money until it is in your account.
BobJohn on 2008-07-18:
hey LoisMustDie - what bank do you use that pays 4-5% on checking? Wow?
Anonymous on 2008-07-18:
First National Bank of Midwest City (FNBMWC.com). The current rate for their reward checking is 4.25% (it's been as high as 5.02%) on the first 25K. To qualify your account must have 12 signature debit card transactions, 1 ACH and receive electronic statements each month. They also reimburse ATM fees (up to $25) which rocks. And free checks as well.
yoke on 2008-07-18:
Was your deposit done by direct deposit or did you deposit a check?
Honz on 2008-10-07:
To put it bluntly, RBC sux!!! They have no idea what customer service or customer satisfaction is. My advice is NEVER BANK with these smug holier-than-thou idiots. If they buy the bank you've been using, close your accounts and find a local bank or they will access you some kind of fee, known only to them and buried in some fine print somewhere and they WILL NOT refund it for any reason, because it's "just their policy"! My name for them is the Royal Pain-in-the-Ass Bank of Canada!
Jan8124 on 2008-10-14:
Honz is correct on this one. RBC sucks in Canada, so I would strongly advise my American neighbours to stay far, far away.

I have no option but to deal with them for my student loan (long story). Suffice to say, I was in my local branch last week so I actually witnessed an old gentleman nicely ask if he could have his bank statement printed up. Why? Because he has cataracts and can't see well. RBC's answer? They can't help it, it's just the way the printers work at that branch, "for some reason." Case closed.

And the reason I was in the branch to start with? Cuuuz RBC screwed up my change of account information so badly that I had to come in for the third time to try to get it done right.

When student loans dept in Ontario sent me to my local branch to have the info faxed, I was told at the branch that "we typically don't do that."

I like Americans. And I wouldn't wish RBC on them for anything.
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Petty
Posted by on
ASHEVILLE, NORTH CAROLINA -- I took a check into RBC bank to get it cashed. The person that wrote me the check has an account there. The teller told me that there would be a 5 dollar charge for cashing the check. No I don't have an account there but the person that pays service and maintenance fees does. I think this is petty and cheap just like a pawn shop. My bank does not do this, if I wrote someone a check and they tried to cash it at my bank and was charged a fee to do so I would quit them in a second. I pay my bank to honor the checks that I write to any one.

Rbc is petty and cheap. If someone writes me a check from RBC I have to charge them 10 dollars extra to accept their check. That is sick. I guess that has become the American way. Oh my god !!!
     
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Anonymous on 2009-09-22:
Was it a personal check or a business check?
Anonymous on 2009-09-22:
I'm willing to bet your bank charges to cash checks for non account holders. This is not something new.

While the check is written on an RBC Account, YOU are not a customer of theirs. So you have 3 choices, to cash the check and accept the fee, go to a check cashing place(which sometimes charges more), or deposit it in your bank and don't pay any fee.

Why couldn't you have just deposited the money into your account?
Anonymous on 2009-09-22:
If you didn't like their charge, you shouldn't have cashed the check there.
Anonymous on 2009-09-22:
B-Kat, you are spot on but had the person deposted the check into their account there might have been a hold on it for a few days.
Anonymous on 2009-09-22:
This practice of banks charging to cash their own checks should be illegal. It goes against the entire concept of the meaning of a check. Ya know you give me a piece of paper that I can exchange for money at YOUR bank. If there is a fee to be paid it should be paid by the check writer. This practice is just insane.
Anonymous on 2009-09-22:
That's what I figured, ZZ, but I thought I'd give the OP the benefit of the doubt.
Anonymous on 2009-09-22:
Stewart: There's always Mr. Payday, my friend.

Ihear you, B-Kat.
Anonymous on 2009-09-22:
Unfortunently, Stew, more and more banks are adopting this practice. Not just the big banks, but local ones as well.
grandma005 on 2009-09-22:
Why would charge your customer $10.00 fee if the Bank only charged you a $5.00 fee?
JR in Orlando on 2009-09-22:
Some fee, I don't know the amount, is probably necessary to protect against bad or forged checks. If the receipient of the check deposits in their own account, then if it is forged etc, there is a way to get the money back. Once that money crosses the counter to the person cashing it, there is no way to get it back if the bank finds out the check was forged, increased in amount, etc.
tnchuck100 on 2009-09-22:
JR, the forgery issue is invalid. If the check was written by one of their clients they have instant access to whether the check is good or not.

As usual, the bank huggers show up to defend the despicable bank practices the bank. Legal? Yes. Ethical? Hell NO!!
madconsumer on 2009-09-22:
as usual, the bank haters show up and bash people who can maintian a positive bank balance.
JR in Orlando on 2009-09-22:
Forgery is an issue because the bank can check the amount in the account, but how often do they check signatures. It is easy to steal a check, fill it out and cash it. I know this woman whose car was broken into. They took some things in there including a half dozen checks later in sequence, along with a copy check with her signature. Cashed the checks some weeks later. Bingo
Eloise on 2009-09-22:
This isn't new! Banks have always done this.
Nohandle on 2009-09-22:
Once one bank got away with this practice many others jumped on the bandwagon. Hey, fees they might be missing. Let me tell you, if I wrote a personal check to an individidual and discovered that person was charged a fee to cash that check there would be a prayer meeting at that bank and by the time I got through they would know who the preacher was that day.
Anonymous on 2009-09-22:
How the h3ll is my comment defending a bank?
It is merely informing the OP of three choices he/she has when cashing a check that he/she simply can't deposit into his/her own account.
I never ever said I agreed with the fee.
JR in Orlando on 2009-09-22:
Is the bank manager a preacher? I did not know that. I think the result of going to the bank would be like in the Jim Carey Movie "liar liar" where his car is towed and scratched. After Jim Carey throws a fit, he tells the truth and say he will take it in the tailpipe in the end. The tow truck driver says "you have been here before."

The reality is if I write a check to someone, it no longer is my concern. If they don't want to deposit it in their account and cash it, well that's their choice.
Anonymous on 2009-09-22:
"as usual, the bank haters show up and bash people who can maintian a positive bank balance"

LMAO... Hey sparky why don't you try reading the review FIRST and then comment.

Chuck & Nohandle -- Right on the money AS USUAL.
Nohandle on 2009-09-22:
You know JR, it's my concern when I write a check. It's written in good faith, with ample funds to cover the check, and no person attempting to cash one of my checks should be required to pay a fee if he has no account at that bank.
Anonymous on 2009-09-22:
Personal checks *shouldn't* be getting a cash checking fee. Usually, it's just business checks... which still sucks. Why that is? The explanation I get is because of the agreement the business has with the bank. Do I think it's right? No.
JR in Orlando on 2009-09-22:
NoHandle - I agree with you in principle. The problem is banks do this. I would not change all my checkbacks and accounts because of this, because it really is a problem for those who get the check and want cash. If it was a smaller amount, I would pay them in cash. If it is larger, than they have to make the decision whether the fee is worth it to cash rather than deposit. By paying $5.00 they are saying it is.
Anonymous on 2009-09-22:
Again AMEN Nohandle!
tnchuck100 on 2009-09-22:
The check says "Pay to the order of [name]"
NOT "Pay to the order of [name] and the bank"
Nohandle on 2009-09-22:
I fully understand what your point is JR, but I write few personal checks that one might take to be cashed. My last memory would be the house painters. If I discovered they were charged a fee to cash that check that's when the prayer meeting would take place. No one, and I mean no one, had best be charged a fee for cashing a personal check of mine.
Anonymous on 2009-09-22:
Nohandle, you could always ask your bank to see if they charge fees for cashing checks.... either personal or business... or both.
moneybags on 2009-09-22:
Don't forget, stores charge to cash checks too....WM, groceries, etc.
saj80 on 2009-09-23:
Stew, you are right on; while this particular practice has been going on for some time, it is merely another fee-producing "scheme".
MSCANTBEWRONG on 2009-09-23:
I can see stores charging a nominal fee to cash checks but banks???? No way...
Anonymous on 2009-09-23:
Unfortunently, MS, they do.
Chase charges around $8 bucks, I think.
BoA, $6 bucks.
Wachovia, $5 bucks on business checks. No charge if it's personal checks.
I think it's stupid... people have a right to their money and get enough taken out of their paychecks without an extra $5-$8 just to cash it.
MSCANTBEWRONG on 2009-09-23:
That is ridiculous bkk...thanks for the info. I had no idea. I don't cash checks, rarely write them. If someone gives me a check I just deposit in my bank account. I guess it's a good thing I don't huh?
Anonymous on 2009-09-23:
Bear, then they should get their own bank account.
Anonymous on 2009-09-23:
Don't quote me on Chase or BoA, that's just the amount I've heard. As far as I know, they don't charge for personal checks, just business.
As for Wachovia and business checks... it depends on what kind of check. If it's out of a pos pay account... meaning they keep a computerized record of what checks they send out, there won't be a charge.
But, regardless, I still think it's dumb. It's one thing taking it to a check cashing place like Money Box or something like that, they're up front with the fee of 1% or 3% or whatever it is, I don't remember; it's been a long time since I've done that. But, quite the other when a bank does it. *sighs*
Anonymous on 2009-09-23:
Lady, some of the time, they do. There's just a hold put on the check and they want their money right then and there.
Other times, they don't trust banks so they don't get checking accounts.
Anonymous on 2009-09-23:
It's a catch22. You deposit it into your account and they slap a hold on it. You are over a barrel if you need the money right away.
The last time I did this was when I cashed a $1000.00 check written on a Chase personal check. The 5 bucks was a trivial amount to me.
MSCANTBEWRONG on 2009-09-23:
So the consumer has a couple of choices:

Deposit check in own bank wait 3-5 days for the funds to become available.

Cash check at bank from which it's drawn. Pay 5-10 dollars to cash it.

Cash at other stores and pay 1 to 3 % of the total amount of the check.
Credit unions look better and better everyday!
Anonymous on 2009-09-23:
My CU puts hols on checks from other banks as well.
Anonymous on 2009-09-23:
ZZ, Find yourself a good a bank and they won't slap a hold on it. I deposit a lot of checks and my bank, FNB of MWC, never puts a hold on them. The funds are immediately available.

Like a scratched CD I keep repeating, There are so many better options available to handle your banking needs why in the world would anybody *RISK* doing business with one of these big national corporate banks. There's a better way.
Anonymous on 2009-09-23:
Yup, MS, that's pretty much what I told the OP (and anyone else) in my first comment.

Until things change or they get rid of checks all together (because they are fraught with fraud) and just go to ACH... I have a feeling this practice of fee charging isn't going to go away.

Credit Unions are wonderful places. I had my very first bank account at one.
Anonymous on 2009-09-23:
ZZ, how odd you call Mr. Payday a credit union. I hate to break it to ya buddy but it ain't.
Anonymous on 2009-09-23:
*LOL* Shut it! *tearing up*
lucky123 on 2009-10-20:
if I write a check to someone they can cash it at my bank without a fee regardless of them having an account there or not. I asked them to make sure. I pay them to accecpt my checks from anyone I write them to. rbc is not part of America. it is owned by canadians. its called monthly maintenance fees. I bank at 3 different financial institutions, none of which charges a fee to cash a check that I write to someone. RBC Bank has more pending law suites than any other bank in buissness. the only difference in rbc and al capone is a gun.
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