Personal Checking

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

  • Best if you want

    Best if you want

  • Minimum Balance

    Minimum Balance

  • Monthly Activity Fee

    Monthly Activity Fee

  • Monthly Dividends

    Monthly Dividends

  • Unlimited Check Writing

    Unlimited Check Writing

Basic Checking

  • Best if you want

    Low-cost checking with great dividends

  • Minimum Balance

    $0

  • Monthly Activity Fee

    $0

  • Monthly Dividends

  • Unlimited Check Writing

Premium Checking

  • Best if you want

    Earn higher dividends with a higher balance

  • Minimum Balance

    $1,500

  • Monthly Activity Fee

    $5
    if under minimum balance

  • Monthly Dividends


    premium rates

  • Unlimited Check Writing

SmartSpend Checking

  • Best if you want

    Don’t qualify for basic checking? This is for you

  • Minimum Balance

    $0

  • Monthly Activity Fee

    $7.50

  • Monthly Dividends

  • Unlimited Check Writing

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.

Get Started

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.

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For Android

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For Apple

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 Banking

Having 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 $7.50 a month.

Read the SmartSpend story

Checking rates

Basic, Traditional, and Classic Checking
Basic, Traditional, and Classic Checking

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of November 1, 2020.

Dividend Rate

0.00%

APY1

0.00%

Premium Checking ($1500 Minimum)1
Premium Checking ($1500 Minimum)1

Balance

Dividend Rate

APY2

1 $5 monthly fee if balance is below minimum.
2 APY = Annual Percentage Yield.

The rates and terms shown are effective as of November 1, 2020.

Balance

Less than $2,500

Dividend Rate

0.05%

APY2

0.05%

Balance

$2,500+

Dividend Rate

0.05%

APY2

0.05%

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)

Open account

Get started checking

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Ask a Question
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Contact Us

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.

Get free financial counseling

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.