RBC Royal Bank of Canada
Who should read this page:
This page is for Canadian users who want to originate ACH payments with RBC - Royal Bank of Canada and the receiving bank is also Canadian.
ACH Universal is fully compliant with the Royal Bank of Canada when the following option settings are selected.
Note: If a Canadian user wants to have the receiving bank in the US, you'll need to create an IAT transaction - and these instructions can be found at ACH-IAT.
To originate with the RBC - Royal Bank of Canada:
1. Click on ACH Setup from the Home page of the software.
2. Click Next until you get to screen 5. Tip: At screen 2, you'll need to select 'Advanced' to continue.
Enter 'CA' for your Discretionary Data.
3. Click Next until you arrive at screen 7. Click on the far right tab Advanced > Non-standard adjustments > Perform no verification of ABA numbers.
Click Finish.
4. Finally, RBC uses an embedded login record for security. Note: If you are uploading to a correspondent bank, you might not need to include this.
As with all of the settings, consult with your banker.
To enter your login record, click on Settings > Transmission Options > Local File > General > and enter the login record as shown below.
Click Close when finished.
You're all set. Of course, if you are working with a correspondent bank, and they advise you to skip the login record (or other setting), as always - please follow their specific instructions.
