Predictika · Chequing account fee quotes

An AI sales agent's chequing account fee quote, checked before it goes out

An AI sales agent prepares a monthly fee quote for an RBC personal chequing account with a plan, a fee rebate or waiver, the number of debits the client makes, optional overdraft protection and the monthly total it states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the fees and rebates RBC publishes for these plans and returns a verdict, every reason and the computed total.

Scope: RBC Day to Day Banking, Advantage Banking, Signature No Limit Banking and VIP Banking: monthly fee, senior, Indigenous, RDSP, student or youth and newcomer rebates, included debits, overdraft protection and the stated total. See everything this validator covers

This validator models monthly fee quotes for four RBC personal chequing plans (Day to Day, Advantage, Signature No Limit and VIP Banking), not just the scenarios shown below.

  • Plan fees — $4.00 a month for Day to Day (12 included debits, $1.25 for each extra one), $12.95 for Advantage, $16.95 for Signature No Limit and $30.00 for VIP, with unlimited debits in Canada on the last three.
  • Rebates and waivers — a $0 fee for Day to Day seniors (65 and over), Indigenous Peoples and RDSP beneficiaries (proof on file); a $0 fee on Advantage for full-time students or clients aged 24 and under and for newcomers who arrived within five years, in the first year of the account; senior fees of $12.95 on Signature and $22.50 on VIP. A rebate not listed for the plan, or one the client does not meet, is blocked; a Value Program rebate goes to a person.
  • Overdraft protection — $5.00 a month on Day to Day and Advantage (Advantage is subject to credit approval, so it goes to a person) and included on Signature and VIP.

Any quote for these four plans that touches these rules is in scope — not only the scenarios pictured here. Not covered: Value Program rebate amounts, non-RBC ATM and cross-border debit fees (the pages read disagreed), the U.S. dollar account, drafts and cheques, credit card rebates, other RBC accounts and promotions. Assumptions: the debit count is the number of transactions that count toward the 12 included (e-Transfers, Virtual Visa Debit and transit purchases do not), only one rebate applies to an account, and amounts are Canadian dollars. The model reflects the RBC pages read in October 2026.

The AI sales agentBuilds the monthly fee quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A fee waiver, such as the newcomer waiver, that depends on age, student status, arrival date and account ageOnly with care
Each waiver has its own conditions, so each needs a rule that reads several fields together.		The client facts are in one request; every waiver is checked against them on every call.
A rebate that exists on some plans and not othersEasy
A compatibility rule per plan; routine in a product-rules CPQ.		The same rule, checked together with all the others.
A usage charge that starts after an included allowanceEasy
A threshold and a per-unit price; routine.		The same calculation, reconciled with the stated total.
A stated total that disagrees with the published feesOnly with workarounds
The total is derived from several fields; checking a stated figure against it takes extra formulas that interact with the rest of the rules.		The stated total is a field in the request and is compared with the computed total.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1Overdraft protection on the Advantage plan is subject to credit approval; a person should confirm it.
2The senior rebate is for clients aged 65 or older; the client is 64.
3The monthly fee rebate chosen is not listed for the selected plan.
4This rebate needs proof of eligibility on file before it is applied.
5The Advantage waiver is for full-time students or clients aged 24 and under; the client is 25 and is not a student.
6The newcomer waiver needs arrival in Canada within the previous 5 years and applies to the first year of the account; the client arrived 6 years ago and the account has been open 3 months.
7The newcomer waiver needs arrival in Canada within the previous 5 years and applies to the first year of the account; the client arrived 2 years ago and the account has been open 13 months.
8The Value Program rebate depends on other RBC product categories held by the client and monthly activity and its amount is not modeled; a person should confirm it.
9The quote states a monthly total of $13.99; the published fees give $14.00.
10The quote states a monthly total of $30.01; the published fees give $30.00.
11The senior rebate is for clients aged 65 or older; the client is 50.
12The quote states a monthly total of $4.00; the published fees give $0.00.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Newcomer waiver on the wrong plan: A Signature quote with a newcomer waiver 18 months after opening

    
The agent's request. Please prepare a monthly fee quote for RBC Signature No Limit Banking for a client aged 34 who makes 90 debit transactions a month, applying the newcomer waiver (the client arrived in Canada 2 years ago and the account has been open 18 months), with overdraft protection. The quote states a monthly total of $0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Rebate not listed for this plan. The monthly fee rebate chosen is not listed for the selected plan.
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  • Newcomer waiver not met. The newcomer waiver needs arrival in Canada within the previous 5 years and applies to the first year of the account; the client arrived 2 years ago and the account has been open 18 months.
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  • Stated monthly total does not match. The quote states a monthly total of $0.00; the published fees give $16.95.
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2. Newcomer waiver on the wrong plan: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a monthly fee quote for RBC Signature No Limit Banking for a client aged 34 who makes 90 debit transactions a month, with overdraft protection. The quote states a monthly total of $16.95. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly fee of $16.95, 0 extra debit(s) costing $0.00, overdraft protection $0.00, estimated monthly total of $16.95.
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3. Student or youth waiver: An Advantage quote with a youth waiver for a 30-year-old who is not a student

    
The agent's request. Please prepare a monthly fee quote for RBC Advantage Banking for a client aged 30 who makes 60 debit transactions a month, applying the student or age 24 and under waiver. The quote states a monthly total of $0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Student or youth waiver not met. The Advantage waiver is for full-time students or clients aged 24 and under; the client is 30 and is not a student.
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4. Student or youth waiver: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a monthly fee quote for RBC Advantage Banking for a client aged 30 who makes 60 debit transactions a month, applying the student or age 24 and under waiver (the client is a full-time student). The quote states a monthly total of $0.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly fee of $0.00, 0 extra debit(s) costing $0.00, overdraft protection $0.00, estimated monthly total of $0.00.
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5. Senior rebate and stated total: A Day to Day quote with a senior rebate at age 62 and 35 debits

    
The agent's request. Please prepare a monthly fee quote for RBC Day to Day Banking for a client aged 62 who makes 35 debit transactions a month, applying the senior rebate. The quote states a monthly total of $0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Senior rebate under age 65. The senior rebate is for clients aged 65 or older; the client is 62.
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  • Stated monthly total does not match. The quote states a monthly total of $0.00; the published fees give $28.75.
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6. Senior rebate and stated total: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a monthly fee quote for RBC Day to Day Banking for a client aged 62 who makes 35 debit transactions a month. The quote states a monthly total of $0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states a monthly total of $0.00; the published fees give $32.75.
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7. Senior rebate and stated total: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a monthly fee quote for RBC Day to Day Banking for a client aged 62 who makes 35 debit transactions a month. The quote states a monthly total of $32.75. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly fee of $4.00, 23 extra debit(s) costing $28.75, overdraft protection $0.00, estimated monthly total of $32.75.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a monthly fee quote for an RBC personal chequing account with a plan, a fee rebate or waiver. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the fees and rebates RBC publishes for these plans and returns a verdict, every reason and the computed total.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please prepare a monthly fee quote for RBC Signature No Limit Banking for a client aged 34 who makes 90 debit transactions a month. The quote states a monthly total of $0.00. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The monthly fee rebate chosen is not listed for the selected plan. The newcomer waiver needs arrival in Canada within the previous 5 years and applies to the first year of the account; the client arrived 2 years ago and the account has been open 18 months. The quote states a monthly total of $0.00; the published fees give $16.95.
    6. 
      
  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
    7. 
      
  7. What this shows: for a fee waiver, such as the newcomer waiver, that depends on age, student status, arrival date and account age, a rules-based CPQ is error-prone for this.
    8. 
      
  8. Now the agent resubmits.
    9. 
      
  9. The corrected request. It changes the fee rebate or waiver to none and the stated monthly total to $16.95. It removes the years since arrival in Canada and months the account has been open.
    10. 
      
  10. It calls the validator again.
    11. 
      
  11. This time the validator clears it.
    12. 
      
  12. The validator also returns the line-item quote, on screen.
    13. 
      
  13. All three earlier findings are cleared, and the validator's total, $16.95, matches the quote.
    14. 
      
  14. Three problems caught in one call, fixed in one pass, and a clean $16.95 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    15.