Check Cards & ATM Cards

• Know your PIN. Never write your PIN on your card or on a piece of paper in your wallet. Memorize the number and destroy any written reference. Don't select a PIN that is easily identified, such as a birth or anniversary date.
• Bring a friend. Have another person go with you when you make your transaction.
• Stay alert. Be aware of what's going on around you. If a person or vehicle in the parking lot looks suspicious, drive off and return later.
• Secure your vehicle. If you are using a drive-up ATM, make sure all car doors are locked and windows are rolled up, except the one window you are using.
• Park close to the ATM machine. Minimize the distance you need to walk. At night, keep your keys in you hand for quick re-entry into your car. Don't leave your car unlocked or the engine running when you get out to use an ATM.
• Be prepared. Before you reach an ATM, have your card out and ready to use. Fill out all forms ahead of time.
• Stay visible. If you use an ATM at night, choose one in a busy area that is well lit. Don't use an ATM if it isn't clearly visible to passersby.
• Maintain your privacy. Stand directly in front of the ATM screen so no one can see you enter your PIN. If you are behind someone using an ATM, stand back to allow privacy.
• Don't linger. Put your cash away as soon as you complete your transaction.

You can use Online Banking to view the posted transactions real-time, or you can call 1-800-236-8872 and follow the menu options to listen to the last 5 debits.

You can either check the details of your posted transactions online through Online Banking or you can call us at 1-800-236-8872 and a Client Service Representative can provide you with this information. You can also send us your request via email.

Unfortunately, you cannot stop payment on Check Cards as they are guaranteed funds once the merchant obtains an authorization.

To dispute a Check Card transaction, a dispute form must be completed. You can send a request for a dispute form through email or you may call 1-800-236-8872 and request that it be mailed to you.

The fee is $2.50 in addition to any fees charged by the other financial institution. However, the RBC Bank fee is waived if you have Preferred Checking, Money Manager Investment Account or Esteem Checking.

You just need to let us know and we'll fax a release form to the institution that kept your card. You can contact us by email or by calling us at 1-800-236-8872 and speaking to a Client Service Representative. Be aware that this must occur within five days of the card capture, or the owner of that ATM will mail the card back to us. Please note that not all banks follow the same procedure, therefore if your ATM card is destroyed or cannot be retrieved, we will issue you another one.

Simply fill out an Affidavit of ATM Error form so we can verify that you didn't receive the funds and then we'll credit your account within 10 days. You can request a form to be mailed to you by emailing us or by calling us at 1-800-236-8872. If you happen to be at a RBC Bank Banking Center when this occurs, you can get the form from a Client Service Representative inside the banking center.

In order to get your card back, you must immediately contact your financial institution and have a release form faxed to us. Your card will be cut in half and sent to our ATM Department within 24 hours after it is captured.

An insufficient fund is not always the reason that a Check Card transaction does not go through. For your safety, there are certain restrictions that are put on these transactions to limit unauthorized use should your card be lost or stolen. Check Cards have an outstanding limit per day of $1,000 or $2,500 depending on your checking account type. There is also a daily limit of ten (10) transactions. For specific details of your transactions, you can contact us at 1-800-236-8872 and speak to a Client Service Representative.

For security purposes, each Check Card must have its own unique number, but this does not affect the way they work from a joint account.

Each account holder is only allowed one Check Card per account. Once a card is activated, all other cards are invalid, protecting you from unauthorized use of a lost or stolen card.

Yes, PIN numbers can be the same on an account, but for security reasons, this request must be made by speaking with a Client Service Representative at 1-800-236-8872.

A Client Service Representative at 1-800-236-8872 can help you.

You cannot select your PIN. However, once you receive the PIN, you can change the PIN at any RBC Bank ATM.

A checking and savings account can be linked to the same Check Card. Simply contact us at 1-800-236-8872 and speak with a Client Service Representative.

It depends on how quickly the merchant processes the transaction. It could take as little as 2 days, or it could possibly take longer for the transaction to clear your account.

It depends on how quickly the merchant processes the transaction. However, it can possibly take up to 30 days.

In order to dispute an ATM transaction, you must complete an Affidavit for Unauthorized use of 24 Hour Banking Card/Check Card form. You can request this form by emailing us, by calling 1-800-236-8872 or by stopping by an RBC Bank banking center and talking to a Client Service Representative.