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Free Colorado Savings and Checking Accounts For Kids and Teens
Never Too Early To Start Learning Money
Good Financial Habits Last A Lifetime
Get your youth account started online.
Prefer to speak with an expert directly?
CONTACT US ONLINE
Learn About Youth Rewards
Solutions Crafted For Kids Of All Ages
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Brewster
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.
Learn-to-Earn
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.
Youth
Certificate
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
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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 WANT TO SPEAK WITH AN EXPERT“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
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Frequently Asked Questions — Youth Accounts
What youth accounts does On Tap Credit Union offer?
We offer specialized youth savings and checking accounts designed to teach kids and teens how to save, spend, and manage money responsibly while earning competitive dividends.
What age range can open a youth account?
Youth accounts are available for children and teens of all ages up to 17.
Do youth accounts earn dividends?
Yes! Our youth savings accounts earn competitive dividends, helping young members grow their savings while learning valuable financial habits.
Is a parent or guardian required to open a youth account?
Yes. A parent or guardian must be a joint owner on youth accounts to help guide and supervise the account, ensuring safe and educational banking for kids and teens.
Can teens have a debit card with a youth account?
Yes! Teens may qualify for a debit card linked to their youth checking account, giving them controlled access to funds while parents retain oversight.
How does a youth account help teach financial responsibility?
Youth accounts help young members learn to save by setting goals, tracking balances, and, in some cases, using a debit card under parental guidance. Our team also offers financial education resources to support learning.
Can a youth account become a regular adult account?
Yes! As your child gets older, they can transition their youth account into a full adult savings or checking account, maintaining their banking relationship with On Tap.
How do I open a youth account?
You can open a youth account online or at any branch with the child and a parent or guardian present. Bring identification and necessary information to get started quickly and easily.
What is the benefit of starting banking early with a youth account?
Starting a youth account helps kids and teens build positive financial habits early, understand the value of saving, and gain confidence managing money as they grow toward adulthood.