On Tap Credit Union application experiences

[MeowingTheCat]

This credit union doesn't pull ChexSystems (my Chex was frozen) and it is open membership. You just need donate $5 to GoWest Foundation. They're based in Colorado. Anyway here's my experience of my On Tap Credit Union application:

4/14/2026: I applied for free checking account and you can choose the debit card design like Pelican Credit Union. My application wasn't approved immediately so it was on pending.

4/15/2026: I got the voicemail so I called back. This person was nice during the discussion. The question that I was asked was:

-How did you hear about us? Online of course.

-Why did you join us? I like the support of beer themed.

The guy ask me to donate $5 to GoWest Foundation here and sent the receipt attached to his email. So I did that and I was asked to sign DocuSign. After that, I got the secure email with member number attached to setup online banking. And that's pretty much it.

So the experience was not instant unlike @Royalbacon application experience for Pelican Credit Union which I opened up much later and CommunityAmerica Credit Union as well but shout out the guy for being nice during discussion.

They have CO-OP Shared Branch support that's a plus for me since I'm in Tennessee.

They have referral program that you and others get $50 e-gift.

Here's the link to their credit union if you're interested to join:

https://www.ontapcu.org/

And their debit card designs:

https://www.ontapcu.org/personal/card-designs

[FicoMike0]

No sub?

I'm sub crazy.

[MeowingTheCat]

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@FicoMike0 wrote:

No sub?

I'm sub crazy.

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I'm sorry but what is sub mean?

[Vinjints]

Besides having a beer themed debit card for all the bar minxes, what's the draw for this credit union?

[MeowingTheCat]

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@Vinjints wrote:

Besides having a beer themed debit card for all the bar minxes, what's the draw for this credit union?

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I was draw this credit union from DoctorOfCredit here. I know it is expired but it still has referral program so that's what I do.

[FicoMike0]

Sign Up Bonus

Here's an easy example,

https://accountoffers.wellsfargo.com/welcomebonus/

Credit unions tend to be regional, here's a nice one,

https://www.visionsfcu.org/500?gad_source=1&gad_campaignid=23024812276&gbraid=0AAAAACU1EzjIf42UgyqdS...

Those of us who have churned these often do an ach push from our own account at another bank, rather than a direct deposit. 

Another point, when they ask for a larger direct deposit, it's total over, say, 90 days. The money doesn't have to stay on deposit. If they want $1000, smirf them $500,  immediately send it to another bank, then deposit the same $500 again. $500+$500=$1000. 

[MeowingTheCat]

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@FicoMike0 wrote:

Sign Up Bonus

Here's an easy example,

https://accountoffers.wellsfargo.com/welcomebonus/

Credit unions tend to be regional, here's a nice one,

https://www.visionsfcu.org/500?gad_source=1&gad_campaignid=23024812276&gbraid=0AAAAACU1EzjIf42UgyqdS...

Those of us who have churned these often do an ach push from our own account at another bank, rather than a direct deposit. 

Another point, when they ask for a larger direct deposit, it's total over, say, 90 days. The money doesn't have to stay on deposit. If they want $1000, smirf them $500,  immediately send it to another bank, then deposit the same $500 again. $500+$500=$1000. 

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Looks like Visions Federal Credit Union is only restricted to certain ZIP codes in New York State, Pennsylvania, or New Jersey. And certain group so you can't apply OOS.

[FicoMike0]

I'm sure you can find a sub in your area. Look here,

https://www.doctorofcredit.com/best-bank-account-bonuses/

And here,

https://www.bankrewards.io/

[MeowingTheCat]

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@FicoMike0 wrote:

I'm sure you can find a sub in your area. Look here,

https://www.doctorofcredit.com/best-bank-account-bonuses/

And here,

https://www.bankrewards.io/

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Thanks! I'm bookmarking it for current and future SUB.

[crystal626]

Honestly never saw the appeal of this CU (we live in CO) unless you do a lot of drinking of Coors products and want a card that shows it lol. That Colorado flag image is pretty cool though. 

As far as Colorado CUs go, Bellco (anyone can join with a donation to the Bellco Foundation) is way better for the average person or Space Age CU (this one is restricted to a number of the largest counties in CO, no backdoors that I'm aware of) for their rather unique Platinum credit card that's fixed to the prime rate (so currently 6.75% APR). Ent CU is merging with Wings CU, which might bring some interesting changes. 

Most of our CUs are nothing special. Arapahoe CU has a secured card with a low 4.99% fixed APR, which is interesting, and their building architecture is wild on the two branches I've seen, but they're not very interesting otherwise. They're limited to SEGs and three counties in CO and their website looks like it's straight out of the late 90s.