RBC Bank's (USA) Free Checking Account offers maximum flexibility. Account features and benefits include no monthly service fees, no minimum balance requirement, no direct deposit requirement, free transactions at more than 1,200 RBC Bank and Presto ATMs, free rewards program. Online Banking and Bill Pay where customers can view account transactions and details, pay bills and set up automatic payments and transfer funds between accounts. Overdraft Protection is available where customers can access extra cash when needed and prevent overdrafts and returned check fees. Other services include check safekeeping, optional deluxe ID theft block premier (for a fee) and loan discounts when set up with auto debit.