Branch, ATM and Online Banking Network
Canada
In Canada, we opened 25 new bank branches in 2009 and expect
to open as many as 20 more in 2010. Over half of our branches
are open extended hours, and we continue to look for opportunities
to offer extended hours wherever there is a demand. We continued
to expand our retail insurance branch network with 14 new
locations added in 2009. We have the largest sales force in
Canada, including mobile specialists who go to our clients'
homes any day of the week a client chooses. These include
mortgage specialists, insurance advisors, investment and retirement
planners, and specialized sales forces for business and commercial
clients. Our clients can bank, open accounts, obtain quotes
and purchase insurance online or by phone, or use our ATMs
anytime they want.
Online Banking Client Enrollments*
(millions)
| 2009 |
5.5 |
| 2008 |
4.8 |
| 2007 |
4.2 |
* Includes personal and business clients
in Canada enrolled in online banking services as of each fiscal
year-end (October 31).
Online Banking Active Users*
(percentage of RBC customers)
| 2009 |
25% |
| 2008 |
23% |
| 2007 |
21% |
| 2006 |
19% |
* RBC customers who are actively using
on-line banking solutions (measured by transactions)
Bank branch closures and openings
RBC has programs for assessing the impact of any decisions
to add or remove bank branches in local communities. In Canada,
we comply with federal legislation in our commitment to:
- Provide clients and communities with four months' advance
notice of network reconfigurations or branch closures (six
months' notice in the case of rural communities where there
is no other financial institution within a 10 km radius);
- Ensure community leaders and public officials are aware
of our reconfiguration initiatives and have an understanding
of service alternatives for the affected communities.
See our report on 2009
Canadian bank branch/facility openings, closings and relocations.
United States
RBC Bank has banking centres and ATMs serving the southeastern
U.S. We opened one new banking centre in 2009. We offer telephone
and online banking, and our customers can use their debit
cards and credit cards at more than 800 Presto! ATMs located
in Publix Super Markets. We specialize in serving individuals,
businesses, business owners and professionals, and we offer
customers the option of remote deposit capture, which allows
them to transmit scanned cheques to us for posting and clearing.
Busy clients with wireless global positioning satellite devices
can now easily locate an RBC branch or ATM anywhere in continental
North America. U.S. consumers can also get online quotes for
our term life or travel insurance.
Caribbean
Following our acquisition of RBTT, we consolidated three
sub-branches in the Bahamas in 2009. We have 330 ATMs, including
a number of ATMs in off-site locations such as gas stations,
public transport hubs and supermarkets. Across the Caribbean,
we have ATMs that dispense U.S. currency, and we are the only
bank in Trinidad & Tobago that offers U.S. currency ATMs.
In several Caribbean countries, RBC and RBTT clients can bank
via telephone or online.
