Business Checking & Savings

Business interests that serve the greater interest

At Clearwater Credit Union, we believe in cooperating to be a force for good. That’s why we offer the tools and services to help your business thrive in your community.

Business checking

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Business checking

No minimum balance requirement.
No item limit. Large or small, get the business checking account that works best for you.

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Nonprofit checking

Allow your money to further your mission by avoiding fees. This business account is simple and transparent without monthly service charges or item limits.

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Professional Services Account

If you need an account to hold funds, this one is made for you: no fees, no dividend accrual, and no minimum balance requirement.

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Interest on Lawyer Trust Account (IOLTA)

Are you a lawyer? This account accrues and pays dividends to the Montana Justice Foundation; more, we track it for you at no fee.

MasterCard debit card

All our business checking accounts offer the convenience of a debit card. You can access your funds whenever you need to.

Get Started

Business Savings Account

Saving for your business is easy, with a Clearwater Business Savings Account. Join Clearwater Credit Union with an initial deposit of $5, and build your business savings from there. Together, we can help you make your business dreams a reality.

Open an Account

  • SSN

    SSN

  • TIN

    TIN

  • Articles of Organization

    Articles of Organization

  • Operating Agreement

    Operating Agreement

  • Partnership Agreement

    Partnership Agreement

  • Certificate of Partnership

    Certificate of Partnership

  • Articles of Incorporation

    Articles of Incorporation

  • Tax-exempt authorized letter, tax return, or IRS documentation

    Tax-exempt authorized letter, tax return, or IRS documentation

  • Bylaws

    Bylaws

Corporation

  • SSN

  • TIN

  • Articles of Organization

  • Operating Agreement

  • Partnership Agreement

  • Certificate of Partnership

  • Articles of Incorporation

  • Tax-exempt authorized letter, tax return, or IRS documentation

  • Bylaws

LLC

  • SSN

  • TIN

  • Articles of Organization

  • Operating Agreement

  • Partnership Agreement

  • Certificate of Partnership

  • Articles of Incorporation

  • Tax-exempt authorized letter, tax return, or IRS documentation

  • Bylaws

Nonprofit

  • SSN

  • TIN

  • Articles of Organization

  • Operating Agreement

  • Partnership Agreement

  • Certificate of Partnership

  • Articles of Incorporation

  • Tax-exempt authorized letter, tax return, or IRS documentation

  • Bylaws

Partnership

  • SSN

  • TIN

  • Articles of Organization

  • Operating Agreement

  • Partnership Agreement

  • Certificate of Partnership

  • Articles of Incorporation

  • Tax-exempt authorized letter, tax return, or IRS documentation

  • Bylaws

Sole Proprietor/DBA

  • SSN

  • TIN

  • Articles of Organization

  • Operating Agreement

  • Partnership Agreement

  • Certificate of Partnership

  • Articles of Incorporation

  • Tax-exempt authorized letter, tax return, or IRS documentation

  • Bylaws

To open your Business Savings or Business Checking, visit any branch or email [email protected] with the required documents outlined above.

Who is Eligible

We are proud to serve 20 counties in Western Montana which include Beaverhead, Broadwater, Cascade, Deer Lodge, Flathead, Gallatin, Granite, Jefferson, Lake, Lewis and Clark, Lincoln, Madison, Meagher, Mineral, Missoula, Park, Powell, Ravalli, Sanders, and Silver Bow.

If your business or non-profit is located in one of these counties, you are eligible for membership.

Rates

Business Checking
Business Checking

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 2, 2020.

Dividend Rate

0.00%

APY1

0.00%

Business Savings
Business Savings

Deposit Amount

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 22, 2018.

Deposit Amount

$5+

Dividend Rate

0.05%

APY1

0.05%

See all rates

FAQ

Yes, your accounts with us are federally insured to at least $250,000 by the NCUA.

You can find the Articles of Organization, Articles of Incorporation, or Assumed Business Name registration at the Montana Secretary of State website. Fill out the form you need and mail it to the Secretary of State with a self-addressed, stamped envelope, and they will mail the official document back to you.

If you need a sample letter from your non-participating principals stating that they’re aware an account is being opened, call us at 406-523-3300. We’ll be happy to provide you with one.

Get started checking

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