Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Online Banking & Bill Pay

Member Health and Safety

At On Tap, we are proud to be Member-Owned which allows us to put our Members first. We are devoted to continuing our commitment to create crafted solutions for our Members both in times of success and hardship. 
 
Your Deposits at On Tap Credit Union are Federally Insured 
With the current economic uncertainty, you can rest assured that your funds at On Tap are federally insured by the National Credit Union Administration up to $250,000 per member. Individual Retirement Accounts (IRAs) are federally insured up to an additional $250,000. 
Learn more about NCUA insurance.
 
We will continue to monitor all situations daily to best serve our Members and support our community. Please take some time to review these helpful resources. 

 

On Tap Member,

Being a Member-Owned Credit Union, you are our family and we want to reassure you that keeping our members and workplace safe is our top priority. Given the developing situation of the Coronavirus, COVID – 19, we are continuing to take proactive precautions and are providing numerous solutions. We will continue to monitor the situation and update our website or other Member communications.

In order to further support the recommendations from the CDC and State of Colorado, here are a few things that we are doing -

Safety & Health:

  • Heightened cleanliness, including daily sanitation of surfaces and doorknobs including hand sanitizer available for Members and Staff.
  • Where possible we encourage you to minimize the handling of cash, but rather utilize ATMs, mobile deposits, etc.
  • We’ve enhanced our sick leave policy and have asked our staff to stay home if they are not feeling well
  • We have eliminated business travel and all non-essential vendor visits to our locations.
  • Out of an abundance of caution, we have decided at this time our Annual Meeting will be held via video conference and over the phone, instead of in person. Look for details in your next statement and online.

Secure Funds and Financial Support:

On Tap Credit Union has numerous safeguards in place to ensure your funds are secure.

Should your family be impacted by COVID-19 and need financial support, we’re here to help.  Members of our team are ready to provide you with financial guidance, craft solutions and discuss arrangements. Our financial wellness and hardship assistance programs are always available to our members.

In addition, at this time we would like to remind you that we will never ask you for your information through text, phone or email, and this includes social security and pin number. As advisers, we’d like to remind you that fraudulent activity increases during emergency crisis and we want to be diligent and mindful before sharing information.

Anytime, Anywhere:

As the State starts to further reinforce social distancing, you can still access your On Tap accounts any time, from anywhere, from any device with On Tap Online & Mobile Banking.  

With these powerful tools, you can view e-statements, pay bills, track balances, schedule transfers, deposit checks and more.

Our local Contact Center (303-279-6414 or 1-800-770-6414) is always available to support your needs. The Contact Center is available from 8:00 a.m.-5:00 p.m. M, T, TH, F, 9:00 a.m.-5:00 pm Wed. and 9:00 a.m.-1:00 p.m. Sat.    You can also make a request or ask a question via our secure contact us form.

In everything we do our commitment is to our Members and the Core Values of the brand we’ve built together.

Thank you for being a Member,

 

 

Tracie Wilcox

CEO/President of On Tap Credit Union 

On Tap Banking®

Access your On Tap accounts any time, from anywhere, from any device with On Tap Online & Mobile Banking.  
With these powerful tools, you can:
  • View e-statements
  • Pay bills
  • Track balances
  • Schedule transfers
  • Set alerts to remind you of upcoming transactions and keep you updated on account activity so you can feel confident that your accounts are secure.
Our mobile banking app gives you access to all of these services, plus you can access Mobile Check Deposit from your phone.

Just visit the App Store or Google Play to download the On Tap Mobile Banking app for your Android or iPhone.

Apple App Store icon(Opens in a new Window)    Google Play icon(Opens in a new Window)     

If you are an On Tap member and have never enrolled in online banking, sign up now for this convenient service.
 
Having trouble enrolling your account? Click here for our step-by-step instructions! 

Bill Pay

Access Bill Pay from your mobile phone.  To do this, you will need to download our mobile app.  Please see the instructions above or call us for more assistance.

From Our Handy Bill Pay Homepage Dashboard  on Your Mobile Phone, You'll Be Able to
  • PAY any person or company with one click
  • VIEW all payees, upcoming bills and payment history
  • ADD new payees quickly
  • SET up recurring payments for bills that are the same each month
  • SEE bill amounts and payment due dates with eBill
Troubleshooting
  • I'm having difficulty using online banking on my tablet or other mobile device.
    Most mobile banking issues can be resolved by using the mobile app on your tablet rather than a browser to access your account.

  • My Login ID isn't working.
    Login IDs are case sensitive, so first check to make sure your Caps Lock is NOT on.  If you cannot remember your Login ID, you must speak to a Communications Advocate in our Contact Center at 303-279-6414.  We may be able to help you recall your Login.  

  • Don't Forget!
    Sensitive account information can only be provided through a secure message in Online Banking or over the phone after you have been properly identified.

  • The Secure Access Code isn't working.
    If you request your Secure Access Code by text message, be sure to enter the six-digit code in the body of the message, not the 5-digit short number that the message was sent from.  If your Secure Access Code was delivered by email, be sure to check your spam folder.
 

HEALTH AND SAFETY

At On Tap Credit Union, members are our top priority. Being member owned means we are lucky to focus on our members first. 
 
Here are a few things we are doing in order to further support the recommendations from the CDC and State of Colorado: 
 
  • Heightened cleanliness - from daily sanitation of surfaces and doorknobs to increasing hand sanitizer availability throughout our branches for Members and Staff.
  • Where possible we encourage you to minimize the handling of cash, but rather leverage ATMs, mobile deposits, Bill Pay, etc.
  • We’ve asked our staff to stay home if they are not feeling well and have eliminated business travel
  • In order to be proactive and exceedingly cautious we have decided at this time that our Annual Meeting will be held via video conference and over the phone, instead of in person. Look for details in your next statement and online.
Please visit the Centers for Disease Control and Prevention website using the link below for more information on COVID-19 and how to best manage your response to the outbreak. 
 

CYBER SECURITY

Unfortunately, cyber criminals will utilize whatever opportunities they have to extract personal information from consumers during times of heightened concern. Criminals will prey on concerned people by sending phishing emails regarding COVID-19 intended to entice receivers to click on links they might otherwise avoid.
 
Please take some time to review this Consumer Advisory to review the latest scams related to COVID-19. 
 
The World Health Organization, Colorado Department of Regulatory Agencies, and law enforcement agencies around the country have seen an increase in scams related to COVID-19. Scammers are posing as providers of in-home test kits or other financial assistance such as offering government assistance checks in exchange for personal information. Please do not provide information to these individuals as the government will never contact you in this manner nor is testing available in this fashion.
 
Protect yourself and what matters to you by staying diligent and mindful when providing personal information. 
 
When asking to verify your identity, On Tap Credit Union will NEVER ask for:
  • A full social security number
  • Full card numbers
  • A one-time online banking security access code
  • The CVV code or PIN for a card
For best practice: 
  • Do not click links or open attachments from senders you are unfamiliar with. 
  •  Confirm that anyone requesting personal information is from a legitimate source before providing information. 
  • NEVER provide login credentials or personal financial  information when responding to digital and email communications. 
  • When in doubt - double check. Independently verify websites by confirming and following their domains manually rather than following links or attachments. 
  • For additional best practices relevant to scams associated with the onset of COVID-19, please take some time to read through this alert from the Federal Trade Commission. 
The World Health Organization (WHO) has reported an awareness of fraudulent activity and phishing attempts involving cyber criminals attempting to secure personal information under the guise of emergency correspondence. In the event of fraud, you will typically be asked to provide private information like usernames or passwords or you may be requested to follow a corrupted link or attachment. 
 
Please visit the WHO website for more information on how they will communicate and best practices for keeping your information safe. 
 
For the most up-to-date alerts on current scams and fraud related to COVID-19, please visit our dedicated Fraud Alert page. 
 

FINANCIAL ASSISTANCE DUE TO HARDSHIP

For current members impacted by recent events surrounding COVID-19, we have solutions in place. Give us a call to discuss what options may be available for you. 

  • Flexible Emergency Personal Loan options for immediate need to access emergency funds at the lowest rates possible. Please apply here online.
  • Increased Debit/ATM Card Limits for expedited access to extra cash when you need it.
  • Loan Deferment Solutions are available here for Auto, Credit Card, Home Equity and Personal Loans. 
  • Mortgage payment assistance is available.
  • Fee Refunds available for certain charges such as Non-Sufficient Fund (NSF) fees, early withdrawal penalties on certificates, and check or card payment by phone and online will be refunded for impacted members.
  • Debt Restructuring is available to help lower payment, to support reduced income, to avoid the loss of assets, and to help reduce stress.
  • Free Financial Counseling is available to preserve credit rating, to assist in avoiding the need to run up credit card debt, and to help reduce stress.
For more information on how we can craft a solution that is right for you please contact us or visit our dedicated Financial Hardship page and stay tuned to our blog for regular communications and updates. 
 

Business Account Relief Solutions

For current business members affected by recent events surrounding COVID-19, we have solutions in place. Please take a moment to read below and give us a call to discuss your unique situation in more detail so we can best help support you, your business, and your employees. 

  • Minimum Balance Requirement waived for all business checking accounts.
  • SBA Disaster Assistance Loans up to $2 Million are available. Please visit the SBA website here to apply.
  • Increased Debit/ATM Card Limits for expedited access to extra cash when you need it.
  • Fee Refunds including charges such as Non-Sufficient Fund (NSF) fees, early withdrawal penalties on certificates, and check or card payment by phone and online will be refunded for impacted members.
  • Debt Restructuring is available to help lower payment, to support reduced income, to avoid the loss of assets, and to help reduce stress.
  • Free Financial Counseling is available to preserve credit rating, to assist in avoiding the need to run up credit card debt, and to help reduce stress.
  • Visit the Colorado COVID-19 Business Resource Center by clicking here for economic relief updates and additional resources for Colorado businesses.
We are here to help ensure your business can leverage every opportunity possible to help you and your employees during this time. For more information on how we can craft a solution that is right for your business please give us a call or visit our dedicated Financial Hardship page and stay tuned to our blog for regular communications and updates.