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 savings

Business Savings Account

Join Clearwater Credit Union with an initial deposit of $5, and build your business savings from there. Together, we own.

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.

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.

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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Non-profit checking

Enjoy a $0 fee account that we’ve designed for our non-profit community.

MasterCard debit card

All our business checking accounts offer the convenience of a debit card. And with 30,000 surcharge-free ATMs across the U.S., you can access your funds whenever you need to.

Get Started

Business rates

Business Checking
Business Checking

Dividend Rate


1 APY = Annual Percentage Yield.

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

Dividend Rate




See all rates

Open your account

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.

To open your Business Savings, Business Checking, or Business Visa, visit any branch with the following information:

  • Articles of Organization, Articles of Incorporation, or Assumed Business Name registration. Where can I get these documents?
  • Tax ID Number (EIN)
  • If your business has principals who will not be signers on the account, you must provide an operating agreement showing which principals can conduct banking operations, or a letter from the non-participating principals stating that they are aware an account is being opened

Once you have your documents gathered, email us at [email protected] and a Member Services Representative will be in touch.



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.

Yes, we partner with VALIC Financial Advisors, Inc., in order to provide our members financial planning, investment and insurance services that complement traditional credit union products and services. There are licensed VALIC representatives with offices at Clearwater branches. To make an appointment for a no-cost consultation, please call 406.523.3300.

Get started checking

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