Rapport Chequing & Saving Accounts

As a Rapport member, we want to see you financially healthy and that means ensuring you have the right chequing and savings accounts. Everyone uses their accounts differently, so we want you to be using the one that best fits you. And unlike most other financial institutions we will contact you if we see that you would be better off with a different type of account. Having the right account that suits your lifestyle plus avoiding unnecessary fees is our goal at Rapport.

Chequing Accounts

The convenience of an everyday chequing account with six options to choose from:

RAPPORT Chequing Evolution  Embark Essential Evolve Endless Empower
Seniors 65+
Monthly Fee Free+ $2.50 $3.95 $5.95 $6.95 $13.95 Free $4.95
Minimum Balance None $1,500 $2,000 $2,500 $3,000 None None
Number of Free Monthly Eligible Transactions* Unlimited+ 10 20 35 Unlimited 35 35
Cost per additional transactions $2.50 Employee Assisted $0.75 $0.75 $0.75 Free $0.75 $0.75

with unlimited eligible transactions: Perfect for members who live, work and play in the virtual world. For those that prefer to do their banking exclusively online, via mobile app or at participating ATMs. Our new, lowest-fee account offers tech-savvy members up to 10 e-transfers free of charge. Save time while staying close to your finances with our latest, most flexible chequing account yet.

+The Evolution account is free to Rapport members with a minimum monthly deposit of $1,000 and who have one additional product such as a savings account, loan or term deposit. Evolution Eligible transactions: POS debit transactions, online/mobile bill payments, online/mobile transfers between accounts, Rapport/EXCHANGE ATM transactions, mobile deposits, cheque clearing and pre-authorized debits/credits.

with 35 transactions: Designed for students, there’s no better time to get set up with an account that lets you take care of your money as you become more active in the financial side of your life. With no monthly charge, free E-Transfers and up to 35 free transactions, it’s an easy, affordable way to get started managing your money.

with 10 transactions: For us, it’s the beginning of a meaningful relationship where you will begin to discover what it means to be a member of Rapport. If you’re thinking of making the transition to Rapport from another financial institution, the Embark chequing account is a great way to start.

with 11 to 20 transactions: As you find yourself becoming more active with your Rapport chequing account we want you to have the flexibility to step-up sensibly. The Essential is an easy way to increase your usage with an account that’s well matched to your needs.

with 21 to 35 transactions: Finding the sweet spot of your monthly usage is ideal. Evolve is the ideal account for the active user with a precise understanding of their ongoing chequing needs.

with unlimited transactions: The comfort of unlimited transactions is a smart way to treat yourself and take the worry out of going above a monthly limit. The Endless chequing account truly gives you endless opportunities to bank as you like, as much as you like.

with up to 35 transactions. Being retired or just less financially active may change what’s right for you and your chequing account. The Established account, for seniors over the age of 65, means you can do everything you need while maintaining a low monthly fee with no minimum balance.

Chequing Packages

*Eligible transactions: cash withdrawals, cheques, Rapport and THE EXCHANGE® Network ATM withdrawals (excluding Interac, Cirrus ATMs), pre authorized debits, Debit Card purchases(within Canada and the United States), phone or internet bill payments.

US Account

Eagle is for Rapport members who need to have a little extra US cash on hand. There is no charge for in branch deposits or withdrawals of US currency and costs for cheque processing are low.

Savings Accounts

The security of a savings account plus the benefits of interest earned with four options to choose from:

RAPPORT Savings Explore Enrich Everyday Express Energize
Interest Paid



Semi Annually



Number of No-Charge Monthly Transactions * Unlimited eligible transactions 10 eligible transactions per month + 2 free interac transactions 2 None 1
Cost per additional transactions Free $2.00 Each $2.00 Each $3.00 Each $5.00 Each

For children under the age of 12, this savings account is a great way for them to learn the value and discipline of putting some money away for the things they want, or just leaving it alone and watching it grow.

Students over the age of 12 need somewhere to keep their money until they need it, particularly when they’re getting their post-secondary education. This account allows them regular access to their money.

Our Everyday savings account really is daily with earnings on all balance amounts, plus the added advantage of two free monthly transactions. It’s a perfect place to give your money a purpose while still having access when you need it.

Knowing your money is growing while you keep it safe for a rainy day is a motivating reason to build your savings over the long run. Earning high interest at a high speed is why we created the Express savings account.

When you just want your money to take it up a notch in terms of growth, here's an account with the highest rate of return we offer. Your savings take on a completely new energy level, plus you get the flexibility of one free transaction. Now you (and your money) are really energized.

Savings Accounts

*Eligible transactions: in branch cash withdrawals, Rapport and THE EXCHANGE® Network ATM withdrawals and Debit Card purchases.

Rapport Credit Union is a credit union authorized to operate in Ontario, we are not a Bank. Any Banking Account opened at Rapport Credit Union is a credit union Account. At Rapport Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits not in registered accounts are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA). Learn more about FRSA Coverage here. 


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