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Online Banking & Bill Pay
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At On Tap, we believe one size doesn’t fit all.

That’s why we Give You lots of choices.

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 monthly service charge
  • No minimum balance
  • No ATM fees at thousands of CO-OP ATMs
  • Cash back rewards
  • Free Visa® Debit Card
  • Free On Tap Online and Mobile Banking
  • Free On Tap Bill Pay 
  • Free On Tap E-statements


Free Checking

Our simple and Free Checking Account solution for members 18 and older.



Senior Checking

Here’s a checking account exclusively for members age 55+. Senior Checking offers the same great features as our Free Checking with the extra benefit of one free box of On Tap Credit Union logo checks each year (shipping charges will apply).

Teen Checking
Teens ages 13-17 can open a Teen Checking Account with a parent or guardian’s signature. This full-service account includes all of the features of the Free Checking Account.

On Tap Debit Cards now offer cash back Rewards!

Simply register your card, see current offers at popular national and local retailers, and start getting cash back.   Retailer savings change through-out the year so check back often.

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.

Savings Account
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.
On Tap® Credit Card
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.
Overdraft Privilege                                                                                                                                                                             

Overdraft Privilege is one way we help members avoid insufficient fund hassles. In qualified instances, we’ll pay overdrafts up to an approved limit for one low fee per overdraft transaction. You can set up alerts in On Tap Online Banking and On Tap Mobile Banking to notify you if Overdraft Privilege is activated.

Overdraft Privilege is not a loan. Before using Overdraft Privilege, we will first attempt to clear the item by using any other Overdraft Protection plan you may have in place. Overdraft Privilege is not available for Teen Checking Accounts.

How does it work?

Every checking account is automatically included in the Overdraft Privilege program after six months of a satisfactory history. No application or additional signature is required for checks and ACH/electronic payments. To sign up to have debit card transactions covered by Overdraft Privilege, please contact us at 303.279.6414.

How do I opt-out of Overdraft Privilege?

At your request, your account can be removed from coverage of any future Overdraft Privilege overdrafts. Call us or visit a branch to opt-out.

Please note that we are not obligated to notify you before we pay or return an item or deny a transaction. The amount of any overdrafts plus any applicable fees are due and payable upon demand. If we pay an overdraft with more than one owner, each owner is jointly liable for such overdrafts and/or fees.

“On Tap Financial Advocates are courteous, friendly and professional. Angelique always helps me with my loans and treats me like a friend. She always calls when she says she will and I never have to worry about what is going on with my account or loans.”

Brenda S., Member Since 2004

_Two tents pitched in a mountain meadow

Free Checking & More


Contact a financial advocate today!

Take a look at our rates!