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Online Banking & Bill Pay
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Free Colorado Checking Accounts



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Looking for business checking options?

don't waste money paying for a checking account

Our checking accounts are easy, convenient, and secure with features including 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 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
  • Free Visa® Debit Card
  • Free Online and Mobile Banking*
  • Free Bill Pay 
  • Free 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.


Direct Deposit

Your life is hectic enough, so save time by depositing your paycheck with Direct Deposit.
To enroll in direct deposit, you’ll need to provide your employer with the routing number and the 14 digit MICR line account number. The routing number is 307076533.  Contact one of our representatives to discuss how we can help you save automatically with your direct deposit. Call 303.279.6414 today!

Direct Deposit Can Also Be Used for Many Types of Payments

  • Paychecks
  • Annuities
  • Bonuses and commissions
  • Dividend and interest payments
  • Pensions
  • Travel expense settlements
  • Vendor payments
  • Tax refunds
  • Social Security or other government payments

To enroll in direct deposit, you’ll need to provide your employer with the routing number and 14 digit MICR line account number. The routing number is 307076533.

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.
Privilege Pay Services                                                                                                                 

Privilege Pay 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 Privilege Pay is activated.

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

How does it work?

Every checking account is automatically included in the Privilege Pay 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 Privilege Pay, please contact us at 303.279.6414.

How do I opt-out of Privilege Pay?

At your request, your account can be removed from coverage of any future Privilege Pay 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

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