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Online Banking & Bill Pay
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Free Colorado Savings and Checking Accounts For Kids and Teens


Good Financial Habits Last A Lifetime

Get your youth account started online. 
Prefer to speak with an expert directly? 

Solutions Crafted For Kids Of All Ages


Savings Club

Get your child excited about saving. Savings and $5 deposit required for membership. Get access to all our resources and start building healthy financial habits that will last a lifetime.


Savings Club

Earn a premium rate on balances up to $3,000. Choose your own initial annual maturity date to match your savings goals. Dividends compounded and credited monthly.



12-month certificate with dividends earned and compounded monthly based on average daily balance. $25 minimum to open. Unlimited additional deposits.

Even More Options For Teens

Free Teen Checking

Being a teen is hard. We're making at least one thing easier. Available for teens ages 13-17  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.

Connected and in Control

Bank anywhere, anytime with Online and Mobile Banking. Monitor transactions, set up automatic transfers, create custom alerts, control card access, and assist your teen in learning to budget and manage their own money the right way.

Prepare For the Future

Your teen has a future filled with possibilities. From navigating student loans and financial aid to building credit and learning how to manage a budget, we've got the resources your teen needs to succeed as they take on new responsibilities.

Have questions? Contact us at 303.279.6414 or request to connect online.

“I spent the day calling around to credit unions in the area to explore some options for my son to begin banking. The service I received is the reason I decided to choose On Tap. They are so kind, informative and helpful, and even went out of the way to provide me information that I didn’t even ask for, like scholarship options for my son!“
Maggie H. , Member Since 2015

Ready to open a youth account with your child?

Youth accounts are for ages 17 and under and will require a parent or guardian to sign for and co-manage the account. $5 opening deposit required for membership. 


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