Business Checking
FLEXIBLE CHECKING SOLUTIONS FOR YOUR BUSINESS
At On Tap, we're dedicated to crafting effective and personalized financial solutions for our business partners that are strategic, affordable, and customized to fit the needs of your business.
NEW TO ON TAP?
Become a member and get your new account started online.
HAVE QUESTIONS?
CURRENT MEMBER?
Log in to Online Banking to add checking to your account faster.
Don't have Online Banking?
CURRENT MEMBER?
Log in to Online Banking to add checking to your account faster.
Don't have Online Banking?
don't waste money paying for a checking account
Our checking accounts are easy, convenient, and secure with features including On Tap Online Banking and Bill Pay. Check your balance and account activity or search your statements and payment history whenever you like from your laptop, tablet or smartphone. Create your own alerts to let you know if your account balance is low. Bank anywhere, anytime with On Tap Mobile Banking. All of our checking accounts come loaded with these features:
- No ATM fees at thousands of CO-OP ATMs
- Free Visa® Debit Card
- Free On Tap Online and Mobile Banking
- Free On Tap Bill Pay
- Free On Tap E-statements
HERE'S WHAT YOU CAN EXPECT WITH ON TAP
Member Owned
Being member owned means our local professionals are dedicated to you and supporting the success of your business.
Crafted Solutions
Every business is unique, and the way you bank should be too. We're here to craft solutions that fit your needs for today and your dreams for tomorrow.
Business Services
Banking, loans, merchant services, insurance, and even payroll and HR support. We're along for your journey every step of the way.
COMPARE CHECKING OPTIONS
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DESCRIPTION
|
BUSINESS CHECKING
|
BUSINESS CHECKING PLUS
|
|
Interest |
N/A |
0.10% to 0.15% APY* |
|
Minimum Opening Deposit |
$100 |
$100 |
|
Interest/Dividends |
No |
Yes |
|
Minimum Balance to obtain APY |
N/A |
$0.01 |
|
Cash Amount Free |
$5,000.00 |
$6,000.00 |
|
Excessive Cash Rate Fee ($0.10/$100) |
0.1000% |
0.1000% |
| Free Transactions |
150 |
300 |
| Excessive Transaction Fee |
$0.25 per item |
$0.25 per item |
|
Minimum Average Balance |
$1,000 |
$7,500 |
|
Minimum Balance Fee |
$10 |
$15 |
|
Monthly Paper Statement |
$10 |
$10 |
The more your business grows, the more we give back to your business with our Business Checking Plus Account. This interest-bearing checking account rewards you with a higher return on balances over $50,000.
Choose an Overdraft Protection option
Choose one of the following convenient options to protect yourself from returned checks, late payments and other inconveniences caused by insufficient funds.
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SAVINGS ACCOUNT
|
|---|
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Designate a savings account as your overdraft account. If you withdraw more than is available in your checking account, we’ll automatically transfer the exact amount needed to cover the transaction up to your available funds. Transfer fees and restrictions may apply.
|
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ON TAP CREDIT CARD
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|
Open an On Tap Credit Card and tie it to your checking account. If you don't use it, it costs nothing. If you have insufficient funds in your checking account to cover a purchase, it will be charged to your credit card.
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Access your On Tap accounts any time, from anywhere, on any device.
Monitor cash flow, make deposits, pay bills, and bank with confidence 24/7
● View balances, transaction history and check images
● View, pay or cancel bill payments
● Mobile check deposits
● Transfer funds
● Set up custom reminders and alerts
Visit the App Store or Google Play to download the On Tap Mobile Banking app for your Android or iPhone.
Already a member but haven't registered for Online and Mobile Banking yet?
Sign up now for this convenient service!
READY TO GET STARTED?
Applications take just a few minutes!
Not sure where to start? Our business advocates can help!
LOOKING FOR OTHER RESOURCES?
Business Loans
Add flexibility and fluidity to the way your business operates or acquire the equipment and space you need or make your dreams of a major expansion a reality.
Business Savings
Thinking about your next big move?
So are we!
So are we!
Let's craft a solution to fit your short-term or long-term savings goals so we can make your dreams a reality.
Investments
Wealth management from growth to retirement.
We're dedicated to helping you find the right strategy for you, your business, and your employees.
Merchant Services
Payment collection, e-commerce, credit card acceptance, non-profit programs, social media support, and so much more!
HR and Payroll Support
Intuitive, easy-to-use solutions to simplify your day and provide support when you need it – freeing you to focus on what you do best.
Insurance
Life happens. Protect yourself and your business. On Tap Insurance Agency offers a variety of plans to help you make sure you're covered.
*Annual Percentage Yield (APY) is based on average daily balances in your Business Checking Plus account.
Minimum average balances apply.