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Online Banking & Bill Pay

Earn Interest On Your Colorado Checking Account

 Start Crafting Your High-Yield Checking Account In Minutes

OPEN A CHECKING ACCOUNT


 

LET'S CONNECT TO CRAFT A PLAN




Interest Premier Account - I.P.A. Checking™
Earn 4.00% APY*

On Your First $5,000 With Competitive Rates For Everything Beyond
I.P.A. Checking makes it simple to earn money, keep your finances safer, and take advantage of smart savings on financial services and everyday discounts.
 
 
 

 

Open Your I.P.A. Checking™ Online In Minutes

 

 

Pour On The Perks

 
 

 

3,000+ Free ATM Locations

Earn Big Interest On Your Account Balance With Regular Checking Activity

 

 Built-In Security And Fraud Protection Plus Credit And Dark Web Monitoring

Bonus Perks On Everything From Travel To Healthcare, Cell Phone Protection, And More


Online And Mobile Banking With Easy Switch For Direct Deposit, eStatements, and Subscriptions

 

 

 Nationwide Shared Branching Access At Thousands Of Locations

 

 
 
  I.P.A. Checking™2 Basic Free Checking
Free Debit Card X X
24/7 Online And Mobile Banking X X
Mobile Wallet Compatible X X
eStatements X X
Overdraft Protection X X
Shared Branch Access At Participating Credit Unions X X
30,000 Free ATMS Nationwide X X
Free Financial Wellness Review X X
Free Wealth Management Review X X
Earns Interest X
$20 Refund Per Month On Non-Network ATM Fees X
Identity Theft Reimbursement Coverage3 and Resolution Services Plus Credit And Dark Web Monitoring** X
Travel and Leisure Discounts***
 X
Cell Phone Protection3
 X
Save On Healthcare With 24/7 Telehealth4 - Zero Copays And No Surprise Bills
 X

Easy Requirements to Earn 4.00% APY Interest Rate and Waive the $8.00 Monthly Fee:


- Register for eStatements
- Make 20 Debit Card purchases per month
- Have an average daily balance of $2,500 or a
combined average daily balance of $10,000 across all deposit accounts.
 
 
 
 
 


UNIQUE COLORADO DEBIT CARDS


CHOOSE YOUR CARD DESIGN



 
 
 
 
 
 

BANK ANYTIME, ANYWHERE WITH ONLINE AND MOBILE BANKING

  

Move Money and Pay Bills

Set Notifications and Alerts

Track Your FICO Score

Lock Your Debit Card

Pay In Store On With Your Phone

Co-Op Shared Branches Nationwide

Free ATMs Nationwide


 

 
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!
 
ENROLL NOW!
 
 
 
 
 

  


 

Instantly Connected.
Effortlessly Managed.

Link your life fast and easy with simple tools that make big moves easy. In just a few clicks in online banking, you can link your direct deposit, debit cards, and even your subscription services so your life and your money stay in sync.

 
 
 
 





 

 

HERE'S WHAT YOU CAN EXPECT WITH ON TAP


Member Owned

Being member owned means our local professionals are dedicated to you and your financial success no matter what your next adventure in life may be.

Crafted Solutions

Every person 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.

Full Service 

Banking, auto, home, credit cards, insurance, retirement, investments, and total wealth management. We're along for your journey every step of the way.

 

 


READY TO GET STARTED?

Applications online in less than 5 minutes.

I'M READY TO CRAFT MY CHECKING ACCOUNT



Already a member? 
Add checking to your account here or through your online banking portal.
ADD CHECKING TO MY ACCOUNT



Prefer to talk with a local financial expert first?

LET'S CONNECT TO CRAFT A PLAN

 
 
 
 

LOOKING FOR OTHER RESOURCES?


Certificates of Deposit

 
Higher-yield savings set for the term you choose with as little as $500 to start.

LEARN ABOUT CERTIFICATES
 
 


Low-Rate Credit Cards

 
Build credit and stay cash fluid in the case of emergency with a fixed rate credit card.
 
CREDIT CARDS
 
 

Even More Savings Options


You don't have to lock your cash away to get the best savings rates in Colorado.
 
SEE ALL OUR SAVINGS RATES
 
 

SAVINGS ACCOUNTS STARTING AT 2.75 % APY*

 
 
 
 

“I have been banking here since I was a child. Always so impressed with the customer service here. I called to get some assistance with my account today, and Gabriel was amazing. I highly recommend banking here. I also have a loan here for a vehicle, and the interest rate was the lowest around.”

Jordanne S., On Tap Credit Union Member

 


















What is an interest-earning checking account?
 I.P.A. Checking with On Tap Credit Union comes with all the convenience of a traditional checking account but with the added benefit of earning interest on the balances you hold. In addition to earning dividends on your checking account, you also get access to perks like credit and dark web monitoring, cell phone protection, and telehealth care to protect your wallet and overall well-being. 
 
How do I earn interest on my checking account?
Earning interest is as simple as using your checking account just like any other. The more you carry in the account, the more you earn! Earn 4.00% APY* on your first $5,000 with competitive rates for everything beyond.
 
How do I avoid fees on my interest bearing checking account?
Simple! Follow these 3 easy requirements to earn Interest and waive the $8.00 monthly fee:
- Register for e-Statements
- Make 20 debit card purchases per month
- Have an average daily balance of $2,500 - or - a combined average daily balance of $10,000 across all deposit accounts
 
How are dividends calculated when I earn interest on my checking account?
When requirements are met (eStatements, 20 debit card purchases per month, and balance minimums), you’ll earn a higher Annual Percentage Yield (APY) than with On Tap Credit Union’s standard free checking account. Dividends are calculated daily and credited monthly. The rate you receive will be a blended rate based on the amount of funds in your account. You can estimate how much you will earn using our blended rate calculator. 
 
What other benefits are included with my I.P.A. Checking™?

• Earn competitive interest
• Up to $20 in monthly ATM fee refunds
• 30,000+ fee-free ATMs nationwide
• Online and mobile banking
• Bill pay
 
Avoid the $8 monthly fee and tap into higher interest. Here’s how:
- Sign up for eStatements
- Use your debit card 20 times a month
- Keep $2,500 in your checking, or $10,000 across all your accounts
 
Help Better Protect Your Identity
Rest easy with IDProtect® - identity theft monitoring and resolution service2:
• Identity Theft Expense Reimbursement Coverage3  - Receive up to $5,000 to clear your name and restore your identity, if you’re a victim of identity fraud.
• Dedicated Fraud Resolution Specialist - Personalized assistance every step of the way until your identity is restored.
• Credit File Monitoring - Daily credit file monitoring and automated alerts of key changes to your credit report (registration/activation required).
• Dark Web Monitoring - Monitors your personal information and alerts you if your personal information is exposed online – also known as cyber monitoring (registration/activation required).
 
Save When You Play
• Travel and Leisure Discounts - Enjoy exclusive savings from thousands of local and national businesses—access discounts anytime, anywhere from your mobile device or online portal (available via mobile or web only).
 
Interest Premier Account Helps Protect You From Unexpected Losses
• Cell Phone Protection3 - Up to $600 of coverage for repair or replacement cost if your phone is stolen or damaged—U.S. and abroad.
  • $50 deductible
  • Up to two claims per year & $1,000 maximum per account, per 12-month period
  • Covers up to four phones (when the bill is paid using this account)
 
Save On Health Care
• Telehealth4 - 24/7 access to U.S.-based, board-certified doctors via phone or video—zero copays, no surprise bills.
  • Telehealth covers non-emergency, urgent care for things like allergies, sinus infections, flu, strep throat, bronchitis, hypertension, rashes, acne, and more
  • Includes access to therapists and mental health counselors
  • Prescription and lab discounts
  • This is not insurance (registration/activation required)
 
 
Who is eligible for the extra benefits?

Benefits are available to personal checking account owner(s) and joint account owner. Some benefits require registration/activation.

 
 
 
 
 
 
 
 
 
 
1) To earn the higher Annual Percentage Yield (APY), you must meet all of the following during each statement cycle: (1) enroll in eStatements, (2) complete 20 debit card purchase transactions, and (3) maintain either a $2,500 average daily balance or a combined $10,000 balance across all deposit accounts. APY is variable and subject to change without notice. Fees may reduce earnings. An $8 monthly service fee is waived when the same criteria are met. Offer cannot be combined with other promotional APYs or APY increases. See the account disclosure and fee schedule for details. ATM and cash advance transactions do not count toward the debit transaction requirement. The Credit Union does not control the timing of when debit transactions post. Limit one qualifying checking account per member. Must be 18 or older to access all account features. Other restrictions may apply.
2) Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
3) Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
4) 3 Available for the accountholder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
 

** registration/activation required

*** available via mobile or web only



























































*To earn the higher Annual Percentage Yield (APY), you must meet all of the following during each statement cycle: (1) enroll in eStatements, (2) complete 20 debit card purchase transactions, and (3) maintain either a $2,500 average daily balance or a combined $10,000 balance across all deposit accounts. APY is variable and subject to change without notice. Fees may reduce earnings. An $8 monthly service fee is waived when the same criteria are met. Offer cannot be combined with other promotional APYs or APY increases. See the account disclosure and fee schedule for details. ATM and cash advance transactions do not count toward the debit transaction requirement. The Credit Union does not control the timing of when debit transactions post. Limit one qualifying checking account per member. Must be 18 or older to access all account features. Other restrictions may apply.