product,purpose,benefit,fee RBC Newcomer Advantage,Support newcomers settling in Canada,No credit history required for car/home loans,Varies by loan type RBC Advantage Banking for Students,Banking for full-time students,"Unlimited debits, free Interac e-Transfers",No monthly fee RBC Day to Day Banking,Basic banking needs,"12 free debits/month, unlimited transit transactions",$4/month RBC Digital Choice Business Account,Digital banking for small businesses,Unlimited electronic transactions,$6/month RBC Professionals' Package,Financial solutions for accredited professionals,Tailored advice and solutions,Varies by service RBC Newcomer Mortgage,Home financing for newcomers,No Canadian credit history required,Market rates RBC Student Credit Card,Credit building for students,Fee waiver for first year,$0 first year RBC Retirement Savings Account,Retirement planning,Tax-advantaged savings options,$25/year RBC Small Business Loan,Business financing,Flexible repayment terms,Prime+2% RBC Avion Credit Card,Travel rewards,Earn Avion points on purchases,$120 annual fee