How To Make A Payment

How To Make A Payment

Posted on November 9, 2020


Watch the video above to learn about all the different resources available to assist our members in making payments. 

Through the CO-OP Shared Branch network, our members can bank at any of more than 5,000 participating credit union locations, and access their funds at nearly 30,000 surcharge-free ATMs across the country.

All payments except for Mortgage payments can be mailed to us at:


On Tap Credit Union

816 Washington Ave.

Golden, CO 80401


Online & Mobile Banking

On Tap Banking®

Access your On Tap accounts any time, from anywhere, on any device with On Tap Online & Mobile Banking.  
With these powerful tools, you can:
  • View e-statements
  • Pay bills
  • Track balances
  • Schedule transfers
  • Set alerts to remind you of upcoming transactions and keep you updated on account activity so you can feel confident that your accounts are secure.
Our mobile banking app gives you access to all of these services, plus you can access Mobile Check Deposit from your phone.
Just visit the App Store or Google Play to download the On Tap Mobile Banking app for your Android or iPhone.

Apple App Store icon(Opens in a new Window)    Google Play icon(Opens in a new Window)     

If you are an On Tap member and have never enrolled in online banking, sign up now for this convenient service.
Having trouble enrolling your account? Watch a short Tips on Tap video below or click here for our step-by-step version!(Opens in a new Window)  


Loan Payment Services

Automatic Loan Payments

Make your On Tap Credit Union loan payments without even thinking about it. Just designate the On Tap Credit Union savings or checking account you want the payment to be transferred from each month to pay your credit card, home loan, home equity or any other loan. It's really that simple!


Automatic Loan Payment can be set up online in On Tap Online Banking® under the Fund Transfer field. Or, you can fill out this form and fax it to 303.279.6336, or bring it in to one of our branches


Access your On Tap Home Loan

  • Make an online payment or set up a recurring payment
  • Check your balance
  • View your payment history
  • View your taxes and insurance
To log-in click on the payment button for your corresponding loan servicer. If you do not know your servicer please contact us at 303.279.6414, so that we can help you with your payment.

Other Loan Payments

If you don’t have an automatic or electronic payments set up to pay your loans, you can make a single payment with a check or credit or debit card. Just click the link below and you’ll be directed to our secure payment site. 
There is a fee for this service.
• $15.00 for payment amounts up to $399.99
• $25.00 for payment amounts $400.00 and over.
***Fees are temporarily waived for this service as a part of our commitment to Members during times of financial hardship.***

Please note that credit and debit card payments take 2-3 days to post to your loan and there is a fee for using this service. 

If you have any questions, please contact us at 303.279.6414. 

To make an online payment 



Electronic Funds Transfers

Pay your bills without writing a check. Electronic Funds Transfers can be used to pay ongoing expenses such as utility bills. EFT is safe, secure, efficient and less expensive than paper check payments or collections. By setting up an EFT, you agree to allow an outside party to access your account for payment.
To set up an Electronic Funds Transfer, fill out this form and fax it or bring it in to one of our branches.


Ever wish you could take a break from your monthly loan payments and use the money for something else? 
Well, you can! Whether it's for holiday shopping, a vacation or an unexpected expense, skipping a payment is easy:  just sign into online banking and send us a message asking to skip your payment, or stop by a branch to speak with a Financial Advocate. You can request to skip a payment on qualifying loans up to two times a year.


*Excludes home loans (including mortgages and home equity lines of credit) and credit cards. In order to qualify, you must not have been late on any On Tap Credit Union loan payment, or have skipped two payments on the loan requested, in the past 12 months. You may not skip two consecutive loan payments. There is a $25 fee per skipped loan payment, which will be deducted from your On Tap Credit Union share or checking account. Interest will continue to accrue during the extension period at the same rate(s) as the original contract(s) and that the term and repayment period of the loan(s) will be extended due to this request. Additional documentation may be required. Additional restrictions may apply.