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Business Banking Accounts

At Clearwater, we believe affordable business banking services are vital to helping your business thrive and contribute to the economic prosperity of our community.

Young woman pouring coffee in local cafe.

Business Checking Account

Great for small or large businesses, this account offers your business an affordable, easy way to monitor and manage your cash flow.

  • $0 minimum balance requirement
  • $0 monthly account fee
  • $0 per-item transaction fees
  • Free online statements
  • Robust Digital Branch services and tools
  • Account does not earn dividends

Open Business Account

Open Sole Prop Account

Primary Savings Account

As a member-owned credit union, we require this account to establish your membership and all that comes with it. When you apply for a Business Checking account, we’ll also open a Primary Savings account to establish your membership.

  • $5 minimum opening deposit
  • $5 monthly minimum balance requirement
  • $0 monthly account fee

Things You’ll Need

To open your account, please have the following items ready:

  • Valid, government-issued photo ID, such as a driver’s license, state ID, passport, or permanent residence card
  • Valid tax identification number
  • Opening deposit, which varies by account type

Depending on your business structure, you may need to upload additional documents, as noted below.

Documents You’ll Need

  • Sole Proprietor
    Assumed Business Name documents, if applicable
  • LLCs/Partnership
    Articles of Organization and an Operating Agreement/Partnership Agreement
  • Corporation
    Articles of Incorporation, Bylaws, and an Operating Agreement
  • Nonprofit Organization
    Articles of Incorporation and Bylaws and Meeting Minutes

Have questions? Call 406-523-3300.

Need Documents from the State of Montana?

The Articles of Organization, Articles of Incorporation, and Assumed Business Name registration documents are available on the Montana Secretary of State website.

Business Account FAQs

Is my business eligible to join Clearwater Credit Union?

If your business or nonprofit organization is located within Western Montana, chances are you’re eligible for membership. Check your eligibility.

Is my money safe at Clearwater Credit Union?

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