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Online Banking & Bill Pay

Teen Checking

get your teen ready for their next adventure!

Being a teenager is hard! On Tap is here to make at least one thing easy for your teen.

At On Tap, 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 and perks of our regular On Tap Free Checking Account.

Our Teen Checking Accounts are easy, convenient and secure. Teens can check their balance and account activity  from their laptop, tablet or smartphone. Teens can create their own alerts to let them know if their account balance is low, helping them to learn how to budget the right way. Additionally, teens can bank anywhere, anytime with On Tap Mobile Banking.

Parents, as a joint owner on your child’s account, you’ll be able to monitor transactions, set up automatic transfers from your account to theirs and assist your teen in learning to manage their own money. If your teen has a job and their employer offers direct deposit, they can have their paycheck automatically deposited into their checking account

Our Teen Checking Accounts also 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

Tip:  Teaching your children to manage their money is a great first step to life-long financial skills.