Putting the “personal” back in personal checking
Our credit union provides basic and premium checking accounts to meet your needs — because when you have what you need, you belong. And belonging is the new banking.
Help me choose
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Best if you want
Best if you want
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Minimum Balance
Minimum Balance
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Monthly Activity Fee
Monthly Activity Fee
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Monthly Dividends
Monthly Dividends
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Unlimited Check Writing
Unlimited Check Writing
Basic Checking
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Best if you want
Low-cost checking
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Minimum Balance
$0
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Monthly Activity Fee
$0
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Monthly Dividends
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Unlimited Check Writing
Premium Checking
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Best if you want
Earn higher dividends with a higher balance
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Minimum Balance
$1,500
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Monthly Activity Fee
$5
if under minimum balance -
Monthly Dividends
premium rates -
Unlimited Check Writing
SmartSpend Checking
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Best if you want
Don’t qualify for basic checking? This is for you
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Minimum Balance
$0
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Monthly Activity Fee
$5.00
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Monthly Dividends
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Unlimited Check Writing
Many Clearwater Checking Accounts qualify for Courtesy Pay – a service that will pay overdrafts up to $500 with fees. Clearwater allows transfers from a Savings account to a Checking Account to prevent a negative balance. Each automatic transfer from a Savings to a Checking Account has a $2 fee. Members can also apply for a Personal Line of Credit to cover their checking account in case of an overdraft.
Mastercard debit card
All our personal 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.
Security and control for cardholders.
Clearwater CardNav App
Introducing real-time control over your Clearwater Credit Union debit and credit cards through your smartphone or tablet.
CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place. You can even use CardNav to:
- Control where, when, and how your cards are used
- Turn cards on and off instantly from your mobile device
- Limit spending amounts to reach budget goals
- Restrict types of purchases made
Download the CardNav app, and gain a new level of security and control over your money today.
Digital banking
Access your accounts online at any time from the comfort of your own home or on the go with our online and mobile banking app. Using your browser or mobile device, you can check balances, make transfers, pay bills, view statements, and more. Our mobile app also features mobile check deposit. Sign up for free today.
Online & Mobile BankingHaving trouble getting a traditional checking account?
The way banks typically handle checking accounts doesn’t meet everyone’s needs. To address that, we developed SmartSpend: the checking account without checks, which lets you make deposits, carry a debit card, and cash your paychecks — all for only $5.00 a month.
Read the SmartSpend storyChecking rates
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Balance |
Dividend Rate |
APY2 |
|---|---|---|
|
1 $5 monthly fee if balance is below minimum. The rates and terms shown are effective as of January 1, 2023. |
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Balance $0-$50,000 |
Dividend Rate 1.00% |
APY2 1.00% |
|
Balance $50,000-$100,000 |
Dividend Rate 1.24% |
APY2 1.25% |
|
Balance $100,000+ |
Dividend Rate 1.49% |
APY2 1.50% |
Tools & forms
Order Checks
You can order checks at any Clearwater branch, on the phone (800-355-8123), or online through the link below.
Set Up Direct Deposit
Give your employer our routing number (292977899) and your account number; then fill out the form below and bring it into any branch.
Travel Notification
Headed for another country? Fill out our travel notification form to make sure your card works outside the U.S.
Open your account
To open your checking account, please have the following items ready:
- Photo ID, such as a valid driver license, state ID, passport, or permanent residence card (you may be asked to provide more than one photo ID to confirm your identity)
- Social Security Number (we use this to identify you and to look up your checking account history)
- Opening deposit for the type of account you want to open (different accounts require different opening deposit amounts)
Get started checking
FAQ
Yes, your accounts with us are federally insured to at least $250,000 by the NCUA.
Yes, our certified financial counselor, Debra Casper, would be happy to talk with you about your finances, help you build a budget, and take steps to build and protect your credit.
Yes, we partner with Corebridge Financial, in order to provide our members with financial planning, investment, and insurance services that complement traditional credit union products and services. There are licensed Corebridge Financial representatives with offices at Clearwater branches. To make an appointment for a no-cost consultation, please call 406.523.3300.