This means that when a product owner consents for an individual product to be counted, consent is given for all of their individual products to be counted towards the joint account. Consent to share individual products towards a joint account is “all or nothing”. If one of you holds a product in an eligible product category individually, that product can be counted towards the Value Program however, we would need that product owner’s consent.

If you hold a joint product together in an eligible product category, that product will automatically be counted towards the Value Program (all names must match exactly for both the joint account and the other eligible product-and there cannot be any other owners on the eligible product). Have their eligible products be counted towards Value Program benefit determination and complete monthly account activities to qualify for the monthly fee rebate legal bug 2 on the enrolled accountĬancel enrolment in the Value Program at any time View, redeem and transfer Avion points earned using the enrolled account legal bug 9 Each owner in a “Joint OR” account enrolled in the Value Program can:Įarn Avion points legal bug 1 by making debit purchases in-store or online using the enrolled account legal bug 1īoth owners on a “Joint OR” account can participate in the Value Program. Note that any product holding-whether held jointly or individually-can only apply to one enrolled account in determining that account’s eligibility for a monthly fee rebate2 and earn rate for Avion points. We just need one product owner’s consent (even if the name on the small business account exactly matches the name on the personal joint account). If one or both of you have a small business account relationship with us (even if you jointly own the business together), that small business relationship can be counted towards the Value Program as an eligible product category. This means when a product owner consents for an individual product to be counted, consent is given for all of their individual products to be counted towards the joint account.

If one of you holds a product in an eligible product category individually, that product can be counted towards the Value Program-we just need that product owner’s consent. The business account would not be counted automatically-one of them would have to give consent first. For example, Jon and Jane have a joint personal account, and jointly own a small business account. The one exception is that we will need one product owner’s consent for a small business account to be counted towards the joint account, even if the names are an exact match. If you hold another joint product together in an eligible product category, that product will automatically be counted towards the Value Program-all names must match exactly for both the joint account and the other eligible product. Here’s how eligible product categories can be used towards an eligible joint account enrolled in the Value Program: No, matching product ownership is not required, but if there is matching ownership on an eligible product, that product will automatically be counted as a product category in the Value Program. Learn more about earning monthly fee rebates and Avion points through the Value Program. For example, if you enrolled your account in the Value Program on January 15, you would receive earned Avion points within the first 5 business days in February, based on your in-store and online debit purchases from January 15 to January 31. You will receive any Avion points legal bug 1 you earn in the first month you enrol your account within the first 5 business days of the following calendar month.

Your rebate will also be shown in the Cost Savings section of your Vantage Snapshot within the RBC Mobile app. The following calendar month, your product holdings and account activities for the previous calendar month will be reviewed and if you’ve qualified for a monthly fee rebate, it will be credited to your account on your next statement. However, you will continue to receive the MultiProduct Rebate legal bug 8 (if eligible) for the remainder of the calendar month. You will not receive a monthly fee rebate legal bug 2 in the first calendar month that you enrol your account in the Value Program.

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