RBC Bank (USA) helps customers to free access to more than 1,200 ATMs and their checking account will always be a pin-code away. The bank has several checking account options such as Free Checking, Senior Checking, Select Checking, ONE Account and Preferred Checking. The Free Checking Account offers no monthly service fees, no minimum balance requirement and no direct deposit requirement. Senior Checking Account is designed exclusively for customers one 55 years with no fees and no minimum balance. Select Checking Account offers no monthly fee with $1,500 minimum balance. One Checking Account helps customers to earn interest with all the flexibility of a checking account plus the interest-bearing benefits of a savings account. Preferred Checking Account is an interest-bearing checking account. Account benefits include no monthly fee with $5,000 minimum checking balance.