Rbc app rbc royal sign in RBC Canada is operated by Royal Bank of Canada. 2 For a definition of an unauthorized transaction and full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your account and/or online agreements. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service. Bank, Shop, Pay and Redeem. Check your balances, pay with a tap of your mobile device, redeem RBC Rewards points and more. RBC has an app to manage your banking needs when it’s most convenient for you.

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Royal Bank of Canada (RBC, Banque Royale du Canada) (TSX: RY, NYSE: RY) is the largest bank in Canada by market capitalization and the second largest by assets. It is also the largest mortgage lender in the country. RBC is among a small group of highly rated global banks. With around 52,800 employees, it serves more than 16 million customers through a network of over 1,400 branches and 4,900 ATMs. The company has strong market positions in five business segments: Personal & Commercial Banking, Wealth Management, Investor & Treasury Services, Capital Markets and Insurance. Personal & Commercial Banking provides personal banking services and certain retail investment services in Canada, the Caribbean and the United States. RBC Wealth Management is one of the world’s largest wealth managers. Wealth Management business serves affluent, high net worth and ultra high net worth clients around the world and has over 4,000 financial consultants and trust officers in 24 countries. Investor & Treasury Services segment provides asset, custody, payments and treasury services for institutional investors worldwide. Insurance segment provides life and health insurance, property and casualty insurance to customers across Canada. RBC Capital Markets is a premier investment bank that provides a range of products and services to corporations, institutional investors and governments through over 70 offices across North America, Europe, the UK and the Asia-Pacific region. In 2013, RBC completed acquisition of the Canadian subsidiary of Ally Bank. In July 2015, RBC agreed to sell Royal Bank of Canada (Suisse) SA, its Switzerland-based private banking business, to SYZ Group. In November 2015, RBC acquired City National Corporation, the U. financial institution with 75 offices in Southern California, the San Francisco Bay Area, Nevada, New York City, Nashville and Atlanta. Royal Bank of Canada was established in 1864 in Halifax and is headquartered in Toronto. As of April 30, 2017, it had total assets of C$1.2 trillion, loans of C$540 billion and deposits of C$785.6 billion. The company has strong credit ratings: AA- (Standard & Poor’s), Aa3 (Moody’s) and AA (Fitch). RBC offers a wide array of credit cards including Travel, Rewards, Cash Back, Low Interest, Student and Business credit cards. If you want to exchange more than $10,000, please sign in to Online Banking to see the most accurate rate. This quick and easy Foreign Exchange tool shows you what your currency is worth today, so you can know the value of the funds you have. Or have extra USD on hand and want to convert it back? You can exchange up to $25,000 at a time between your RBC Royal Bank (Canadian) and RBC Bank (U. S.) accounts when you’re signed in to Online Banking. Give us a call at The rates provided are for information purposes only, and may not be reflective of rates in the market at the time of inquiry. Foreign exchange rates are subject to change at a moment's notice. Although timely rates may be obtained by contacting a local RBC Royal Bank branch, rates can only be guaranteed at the time the purchase or sale is conducted. Advance notice may be required to obtain some currencies. Rbc banque royale online rbc lonsdale RBC Commercial Cards Program. Gain control over company expenses and insights on spending. Whatever you need, RBC Royal Bank has a wide range of personal banking products, services and tools to help you manage your finances, save for retirement, buy a home and much more. Browse through all available bank swift codes used by BANQUE ROYALE DU CANADAThe bic codes below belong to BANQUE ROYALE DU CANADA bank and/or any of its branches across all countries and cities in the world. Swift codes also known as BIC Codes is a unique bank identifier used to verify financial transactions such as a Bank Wire Transfer. The bank swift code provides information about the bank and branch where the money should be transferred. Being able to check information about the Swift Code will provide you with the proper information necessary to make or receive payments. Some of the banks and their associated branches benefit from an address listing which provides you with the means to match swift codes with financial institution office address. This unique swift code directory provides businesses and individuals with an easy way to avoid bank transfer and money transfer mistakes. Disclaimer All the information published on this website is strictly for personal use only and should never be used without verification, on any type of transaction. For professional use, you must subscribe to the SWIFT Online directories at the SWIFT website. shall not be held responsible or liable for any loss or damage suffered by you because of incorrect or incomplete information in this page. If you’re not sure about any of the swift code details you’re using, get in touch with the bank or financial institution in question. They should be able to give you the right information. Live chat with Royal Bank of Canada by following these instructions. For better talking points and tips, be sure to tell us what kind of issue you are trying to message with Royal Bank of Canada about. This is the best way to live chat with Royal Bank of Canada because 4,638 customers have used it over the last 18 months to reach customer service and told us about it. Live chat is an excellent way to quickly get a human agent to talk to about your customer service problem and the wait times are usually shorter than they are for phone-based support. But sometimes chatting is inconvenient or not preferred, in which case Royal Bank of Canada usually prefer to call their phone number, which we provide a link to above. The department that mans the chat windows at are used to handling Setup an account, Question, Complaint and other customer service issues. When you chat with Royal Bank of Canada agents, they are most likely chatting with you from their call center located in Southlake, TX or Mexico. Live chat is rarely available 24/7, and this department is open 24 hours, 7 days. It's hard to tell if companies like Royal Bank of Canada offer customer care over live chat, so we started compiling this information and best alternatives from customers like you. Please keep sharing what you know about contacting Royal Bank of Canada with Get Human and keep sharing with others so we can together make customer service less frustrating. While Royal Bank of Canada does offer live chat as a way to get help, they also have a phone number. In total, there are 3 ways to get in touch with them. The best phone number for Royal Bank of Canada is their 800-769-2511 customer service phone number, and you can get the details and use our free call-back service by finding the link for it above and clicking it. Know any other ways to contact Royal Bank of Canada? Please let us know so we can keep sharing the best possible information with other customers. Get Human and Royal Bank of Canada have no relationship whatsoever. Get Human has been a forum for customers to share tips with each other since the early 2000s and continues to be a resources to over 50 million US customers per year, as well as consumers around the globe. Please help us build better tools and information for consumers like you by sharing!

Affichez les renseignements sur votre compte et l’historique de vos opérations des sept dernières années. Vous pouvez aussi établir et recevoir des Alertes RBC au sujet de vos opérations bancaires et des Offres RBC disponibles. Virez des fonds à votre compte d’épargne, payez vos factures de carte de crédit, remboursez votre prêt ou marge de crédit ou faites un versement hypothécaire en deux temps, trois mouvements à toute personne qui a une adresse électronique ou un numéro de téléphone cellulaire ou un numéro de client RBC. Ou utilisez le service Envois Internationaux de fonds pour envoyer de l’argent presque partout dans le monde, y compris aux États-Unis, pour seulement 13,50 $ par opération Accédez aisément à vos cartes de crédit et marges de crédit RBC Banque Royale. Vérifiez votre solde et le crédit non utilisé, faites des paiements, demandez une nouvelle marge de crédit ou une augmentation de votre limite. Soyez au courant des détails concernant votre hypothèque et vos prêts, notamment le solde impayé, le taux d’intérêt, les détails relatifs aux versements. Vous pouvez aussi reporter un versement ou faire un double versement ou des versements forfaitaires sur votre hypothèque. Faites le suivi de vos placements RBC Banque Royale et de vos comptes RBC Placements en Direct et RBC Dominion valeurs mobilières au même endroit, en toute commodité. Cotisez à votre REER, renouvelez vos CPG, achetez des fonds communs de placement RBC et obtenez des conseils de placement personnalisés avec Mon Conseiller. Achetez des devises en tout temps dans RBC Banque en direct et prenez-en livraison à l’une des quelque 1 200 succursales RBC au Canada. Vous avez une question sur vos comptes ou une récente opération ? Envoyez-nous un message à partir du Centre des messages sécurisés, et nous vous répondrons dans les 24 heures. C’est une façon sûre et pratique de communiquer avec un représentant de RBC. Assurez vos prêts, hypothèques ou cartes de crédit RBC ou obtenez une assurance voyage pour votre prochain voyage. Sauvez un arbre et réduisez la paperasse du même coup. Vous pouvez afficher, imprimer ou enregistrer vos relevés électroniques sur votre ordinateur et accéder à vos relevés archivés des sept dernières années. Lorsque vous faites des opérations bancaires en ligne, ou avec votre téléphone mobile, vous pouvez facilement vérifier vos soldes, consulter vos opérations ou relevés, payer des factures et transférer des fonds en tout temps, à l’endroit et au moment qui vous conviennent. De plus, lorsque vous utilisez RBC Banque en direct, vous avez également accès à ma Gestion Financière, un outil de gestion financière en ligne qui classe automatiquement vos dépenses, vous pouvez ainsi suivre vos dépenses, établir vos objectifs d’épargne et créer un budget en quelques minutes. Et comme RBC Banque en direct est un moyen sûr de faire vos opérations bancaires, vous savez que votre argent est protégé en tout temps. En tant que particulier, vous aurez besoin de votre carte-client ou de votre carte de crédit RBC Banque Royale pour vous inscrire. Si vous avez un prêt-auto, une hypothèque, une marge de crédit, une Marge Proprio RBC, un prêt ou un placement, vous aurez besoin de votre numéro de compte et de votre numéro d’unité. Si vous souhaitez inscrire un compte d’entreprise à Banque en direct, vous aurez besoin de votre carte-client d’entreprise de RBC Banque Royale. Vous pouvez payer des factures dans Banque en direct. Mais pour pouvoir payer des factures, vous devez d’abord établir une liste de bénéficiaires. Il vous suffit d’ouvrir une session dans Banque en direct et de sélectionner l’option « Gérer les bénéficiaires » à la page « Sommaire des comptes ». Vous pouvez alors choisir « Ajouter un bénéficiaire » dans le menu de gauche et suivre les instructions. Pour effectuer un paiement en ligne : Que vous soyez à la maison ou ailleurs, vous pouvez faire le nécessaire pour que des paiements et des virements soient effectués à une fréquence déterminée à l’avance ou à des dates précises. Indiquez simplement le montant et la fréquence du virement (par exemple une fois par semaine, toutes les deux semaines ou une fois par mois). RBC Placements en Direct Inc.*, RBC Dominion valeurs mobilières Inc. et Banque Royale du Canada sont des entités juridiques distinctes et affiliées. ne fournit pas de conseils en placement ou de recommandations concernant l’achat ou la vente de valeurs mobilières. Les investisseurs sont responsables de leurs décisions de placement. RBC Placements en Direct est un nom commercial utilisé par RBC Placements en Direct Inc. *Membre-Fonds canadien de protection des épargnants. Pour connaître la définition d’une opération non autorisée et tous les détails sur les protections et les limites de la Garantie de sécurité des Services bancaires numériques RBC, veuillez lire la Convention d’accès électronique à l’intention des clients des Services bancaires aux particuliers, la Convention relative à l’utilisation de la Carte-client et la Convention cadre pour entreprise cliente. Cette garantie est fournie par la Banque Royale du Canada pour ses services bancaires en ligne et mobiles. Les titulaires de carte ne sont pas responsables des pertes découlant de circonstances hors de leur contrôle, pourvu qu’ils aient pris des précautions raisonnables pour protéger leur carte-client et leur NIP (le cas échéant), comme il est indiqué dans la convention relative à l’utilisation de la carte-client. Anciennement Garantie de sécurité RBC Banque en direct. Veuillez noter que chaque paiement à un tiers à partir de votre compte de carte de crédit RBC Banque Royale est considéré comme une avance de fonds (jusqu’à votre limite de crédit et votre limite quotidienne) et est assujetti au taux d’intérêt annuel standard en vigueur sur votre compte de carte de crédit, à partir du moment où l’avance de fonds est comptabilisée et jusqu’à ce que le solde soit réglé dans son intégralité. Des frais d’avance de fonds de 3,50 $ par opération s’appliquent et seront facturés à votre compte de carte de crédit. Si le paiement est fait à partir d’une Marge de Crédit Royale, les frais d’intérêt habituels s’appliqueront. Consultez votre Convention de Marge de Crédit Royale pour les détails. Des limites maximales pour les opérations peuvent s’appliquer et elles sont sujettes à modification. L’accès aux fonds dépend du moment où ils sont envoyés de RBC Banque Royale ou de RBC Bank. Les opérations peuvent ne pas figurer à votre relevé des opérations RBC Bank (USA) avant le jour suivant, mais la date réelle des virements sera indiquée. Les opérations Virement Interac sont gratuites avec tous les comptes de chèques de particulier. Des frais de Virement Interac de 1 $ ou de 1,50 $ peuvent s’appliquer respectivement aux comptes d’épargne de particulier RBC et aux comptes de dépôt d’entreprise RBC. Service non offert pour les comptes de chèques en dollars américains. Les produits, les services et les titres mentionnés sur ce site Web sont offerts uniquement au Canada et dans les territoires où la loi autorise leur mise en vente. L’information fournie sur ce site Web ne doit pas être considérée comme une offre de vente par RBC Dominion valeurs mobilières de titres particuliers dans tout territoire autre que le Canada. Des frais sur opération de débit excédentaire pourraient s’appliquer, selon le compte de dépôt utilisé pour l’achat. Si vous achetez des devises avec votre carte de crédit, l’opération sera traitée comme étant une avance de fonds. Des frais sur avance de fonds s’appliquent et des intérêts sont imputés à compter de la date de votre achat de devises étrangères. Le taux de change au moment de l’achat est définitif. Selon la succursale choisie pour le ramassage, prévoyez un délai de trois à dix jours ouvrables avant l’arrivée des devises à la banque. Dans la plupart des cas, l’argent arrivera dans un délai de trois jours ouvrables. Des limites maximales pour les opérations peuvent s’appliquer et elles sont sujettes à modification. L’accès aux fonds dépend du moment où ils sont envoyés de RBC Banque Royale ou de RBC Bank. Les opérations peuvent ne pas figurer à votre relevé des opérations RBC Bank (USA) avant le jour suivant, mais la date réelle des virements sera indiquée Les renseignements figurant dans le tableau de bord Credit View sont fournis par Trans Union à titre d’information et ne visent pas à vous prodiguer des conseils financiers. Nous ne consultons ni n’utilisons les renseignements figurant dans le tableau de bord Credit View, et ces renseignements ne peuvent pas être interprétés comme une approbation de crédit. Par conséquent, la Banque Royale du Canada n’est pas responsable de toute décision que vous prenez en fonction des renseignements figurant dans le tableau de bord Credit View. Pour obtenir de l’aide concernant vos besoins financiers et des conseils financiers, veuillez communiquer avec nous. Pour que vous puissiez accéder au tableau de bord Credit View, nous devons communiquer vos nom, adresse et date de naissance à Trans Union chaque fois que vous cliquez sur le lien « Afficher votre pointage de crédit ». Exchange rates quoted in the media are interbank exchange rates, which are used by banks and other interbank participants to buy and sell currencies in the wholesale market. The interbank rate quoted in the media is typically for a minimum amount of US$5,000,000. Usually, when a client completes a transaction it is for an amount smaller than US$5,000,000 and as a result, a retail rate is applied. This rate includes a spread added to the interbank rate to account for market movement between when the client transaction is completed and when smaller client amounts can be accumulated and traded on the interbank market. Exchange rates applied to cash transactions include shipping and handling charges, making the exchange rate for cash less favorable than the non-cash rate. Non-cash rates are applied to paper instruments such as cheques and drafts. Non-cash rates are also applied to incoming and outgoing wire payments and other electronic transactions. These instruments do not require physical storage or movement, and incur less time and cost for processing than cash transactions. Therefore a more favorable rate is applied to non-cash instruments. It is often more beneficial to convert your Canadian dollars to the local currency of your travel destination before you leave Canada. Many banks, foreign exchange kiosks and hotels in other countries charge commission or service charges in addition to exchange rates that are often higher than those in Canada when converting your Canadian dollars to their local currency. The rates provided are for information purposes only, and may not be reflective of rates in the market at the time of inquiry. Foreign exchange rates are subject to change at a moment's notice. Although timely rates may be obtained by contacting a local RBC Royal Bank branch, rates can only be guaranteed at the time the purchase or sale is conducted. Advance notice may be required to obtain some currencies. Rbc banque royale online rbc canada en ligne RBC Training Ground is a talent identification and athlete funding program designed to uncover athletes with Olympic potential. Where We Operate. RBC is one of Canada’s largest banks and one of the largest banks in the world, based on market capitalization. Select a Region. Select a Region. Canada United States International Caribbean. Faites le suivi de vos placements RBC Banque Royale et de vos comptes RBC Placements en Direct et RBC Dominion valeurs mobilières au même endroit, en toute commodité. Cotisez à votre REER, renouvelez vos CPG, achetez des fonds communs de placement RBC et obtenez des conseils de placement personnalisés avec MonConseiller. RBC Commercial Cards Program. Gain control over company expenses and insights on spending. The Royal Bank of Canada (RBC; French: Banque royale du Canada) is a Canadian multinational financial services company and the largest bank in Canada by market capitalization. The bank serves over 16 million clients and has 85,000 employees worldwide. In November 2017, RBC was added to the Financial Stability Board's list of global systemically important banks. banking subsidiary which formerly operated 439 branches across six states in the Southeastern United States, RBC Capital Markets is RBC's worldwide investment and corporate banking subsidiary, while the investment brokerage firm is known as RBC Dominion Securities. In Canada, the bank's personal and commercial banking operations are branded as RBC Royal Bank in English and RBC Banque Royale in French and serves approximately ten million clients through its network of 1,209 branches. Investment banking services are also provided through RBC Bank and the focus is on middle market clients. In 2011, RBC was the largest Canadian company by revenue and market capitalization. In 1864, the Merchants Bank of Halifax was founded in Halifax, Nova Scotia, as a commercial bank that financed the fishing and timber industries and the European and Caribbean import/export businesses. During the 1870s and 1880s, the bank expanded into the other Maritime Provinces. When both the Newfoundland Commercial Bank and Union Bank of Newfoundland collapsed on 10 December 1894, the Merchants Bank expanded to Newfoundland on 31 January 1895. In 1901, the Merchants Bank of Halifax changed its name to the Royal Bank of Canada (RBC). The centre of the Canadian financial industry had moved from Halifax to Montreal, so the Merchants Bank relocated its head office there. In 1910, RBC merged with the Union Bank of Halifax. In the same year it built a bank branch in Winnipeg, Manitoba—designed by Carrère and Hastings, in beaux-arts classicism proclaiming the financial dominance of Winnipeg in the prairies. To improve its position in Ontario, RBC merged with Traders Bank of Canada in 1912 and in 1917 RBC merged with Quebec Bank, which was founded in 1818 and chartered in 1822 in Quebec City. RBC's presence in Manitoba and Saskatchewan was strengthened through a 1918 merger with Northern Crown Bank, which was the result of the merger in 1908 between Northern Bank (established in 1905 in Winnipeg) and Crown Bank of Canada (1904), based in Ontario. RBC's presence in the Prairie Provinces grew again with the 1925 merger with the Union Bank of Canada, which had begun in Quebec City in 1865 as the Union Bank of Lower Canada, but changed its name in 1886. The Union Bank of Canada had moved its headquarters to Winnipeg in 1912, and had built a strong presence in the Prairies and opened the first bank in the Northwest Territories at Fort Smith in 1921. RBC Insurance is the largest Canadian bank-owned insurance organization, with services to over five million people. It provides life, health, travel, home and auto and reinsurance products as well as creditor and business insurance services. In the same year, the Royal Bank of Canada proposed to merge with the Bank of Montreal, at the same time as the Toronto-Dominion Bank proposed to merge with the Canadian Imperial Bank of Commerce. Both mergers were examined by the Competition Bureau of Canada, and ultimately rejected by Paul Martin, at the time the Finance Minister of Canada, and future Prime Minister. In 2000, RBC merged merchant credit/debit card acquiring business with BMO Bank of Montreal's to form Moneris Solutions. In 2013, RBC completed the acquisition of the Canadian subsidiary of Ally Financial. In October 2008, RBC was named one of "Canada's Top 100 Employers" by Mediacorp Canada Inc., and was featured in Maclean's newsmagazine. Later that month, RBC was also named one of Greater Toronto's Top Employers, which was announced by the Toronto Star newspaper. According to a global Newsweek ranking, which measures how effectively companies manage environmental risks and opportunities relative to their industry peers, Royal Bank of Canada is the most environmentally friendly company in the world. An RBC branch in The Glebe neighbourhood of Ottawa was firebombed in May 2010. The party responsible later identified themselves on Indymedia and threatened to make their presence at the upcoming 2010 Winter Olympics in Vancouver, as RBC was one of its key sponsors, as well as at the 2010 G20 Toronto summit. Additionally RBC incorporated its operations in Trinidad and Tobago locally, floating the shares, thereby divesting itself of ownership. The new bank took the name Royal Bank of Trinidad and Tobago (RBTT). The bank's symbol is a golden lion clutching a globe, on a blue background. An older version depicted a crown above the globe and the lion faced to the left. The change coincided with an expansion in United States markets. Over the years, the lion's mane has also become less detailed and more stylized, and the tongue was shortened. Like many of its competitors, RBC is a key sponsor of many events, community programs, and charities. One percent of RBC's average annual net income before taxes is set aside for charitable partnerships via the arms-length RBC Foundation. RBC is a major sponsor of numerous cultural events, including the Toronto International Film Festival. It also sponsors the RBC Taylor Prize, a literary award for non-fiction writing in Canada, and hosts a yearly Canadian Women Entrepreneur Award. RBC is one of Canada's largest sponsors of amateur sports and is the longest-running Canadian sponsor of the Olympic Games. It employs dozens of top-tier amateur athletes as part-time spokespeople through the RBC Olympians program. RBC is a former premier sponsor of Hockey Canada and previously owned the naming rights to the National Junior A Championship, then called the Royal Bank Cup (later the RBC Cup). In addition, it supports Canadian hockey at the grassroots level through the RBC Play Hockey program. RBC owns naming rights to the RBC Centre, RBC Convention Centre Winnipeg, RBC Canadian Open, and RBC Heritage (formerly the Heritage Classic). From 2002 to 2012, RBC previously held the naming rights to what is now the PNC Arena in Raleigh, North Carolina.. The title of Royal Bank's top executive has changed several times. Later, it became chief executive officer and one often carried additional responsibilities as chairman of the board, while the second-in-command was the President. Taylor was chairman and CEO from 1986 to 1994, and he was succeeded by John Cleghorn in that capacity from 1994 to 2001. Dave Mc Kay is currently the President and chief executive officer. O'Brien has served as the institution's chairman (non-executive) since 2004. The position was formerly held by Guy Saint-Pierre, who held the position from 2001 to 2004. The head office for the institution was initially located at the Merchants' Bank of Halifax Building, on Bedford Row, Halifax, Nova Scotia, Nova Scotia. The building served as the head office for the bank from 1864 to 1907. In 1907, the RBC relocated its head office to the Four Pillars Building, at 147 Saint Jacques Street (renumbered 221 in 1928), Montreal. The building was used as RBC's head office until 1928. The Four Pillars Building was later demolished, with only its facade remaining. In 1928, RBC moved its head office to the Old Royal Bank Building, at 360 Saint Jacques Street, Montreal. Treasury Department restricts certain foreign nationals from using the U. dollar payment system to limit terrorism and money laundering after the September 11, 2001, attacks. In 1962, RBC moved its head office to Place Ville-Marie, at University Street and René-Lévesque Blvd in Montreal. RBC replied that compliance with such laws does not represent an endorsement by the bank and on January 17, clarified its position on the application of the U. laws, specifying that "with some exceptions" it does open accounts for dual citizens of the sanctioned countries. In 1976, RBC completed Royal Bank Plaza, at 200 Bay Street, Toronto. Environmental groups have criticized RBC's financing of oil sands bitumen extraction and expansion, cumulatively issuing "more than $2.3 billion in loans and financing more than $6.9 billion in [corporate] debt between 20 for 13 companies including: Encana, Husky Energy, OPTI Canada, Delphi Energy, Canadian Oil Sands Trust, Northwest Upgrading, Suncor, Total, Connacher Oil and Gas, Inter Pipeline and Enbridge". RBC's official head office still remains at Place Ville-Marie; although Royal Bank Plaza is listed by RBC as its corporate headquarters, Canadian citizens with dual citizenship in Cuba, Iran, Iraq, Myanmar, North Korea or Sudan (mostly countries with U. This opposition is due to the detrimental effect Oil Sands extraction has on the environment and human health. The CBC reported on May 7, 2013, that during Question Period in Parliament the NDP leveled accusations against the government and then Prime Minister Stephen Harper, to which he responded that the government has been working on problems with the Temporary Foreign Worker Program for more than a year. RBC is a member of the Canadian Bankers Association (CBA) and is a registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits at all of Canada's chartered banks.