Personalize the way you bank.

Financial solutions crafted for you.

Make sure to use the referral code RYANJOHNSO58 in the referral code field of your application.

Open a checking account with direct deposit and you can earn a $150 bonus.*

Here's What You Can Expect With On Tap

Member Owned

Being member owned puts YOU in control with support from our local professionals who are dedicated to your financial success.

Crafted For You

Each member is unique, and the way you bank should be too. Our teams are here to craft solutions that fit your needs for today and your dreams for tomorrow.

Full-Service Banking

Fast access checking and savings, loans from credit cards to home, auto, or business, plus more like insurance, investments, and wealth management. We’re along for your journey every step of the way.


Accounts Crafted With You In Mind

  • No monthly service charge
  • No minimum balance
  • No ATM fees at thousands of CO-OP ATMs
  • Free Visa® Debit Card

  • Digital Wallet
  • Free Online and Mobile Banking**
  • Free Bill Pay
  • Free E-statements


Ready to change the way you bank and earn $150?

Apply online in minutes or find a branch near you and open your account in person with one of our experts.

Make sure to use the referral code RYANJOHNSO58 in the referral code field of your application.

Have questions you want to ask first?

Connect with us at 303.279.6414 to talk with our teams or contact us online.

"I’ve always had a great experience banking here. Everyone is friendly. I like the feel inside the branches. But most importantly the loan department is responsive and efficient in what they do.They helped me refinance from 11% to 4% on my auto loan. Highly recommend them over a big bank. Keep your money in your community."

- Anastasia T, On Tap Member

*Subject to IRS dividend reporting. Must include unique referral code and promo code CHECKING150 at time of account opening to be eligible for this promotion. Valid for new checking account only. Minimum direct deposit of $500 per month, ten (10) debit transactions within the first 90 days of account opening, and $5 par membership share with On Tap Credit Union is required. Checking account and direct deposit must be maintained for six (6) months after the date opened.

**Data charges may apply