Digital Banking

Your accounts, on your time

As a member of our credit union, you can access your accounts online any time, at home or on the go, from your desktop or mobile device. Check balances. Make transfers. Pay bills. View statements, and more. Sign up for free today.

Start banking online

Decorative Icon
Decorative Icon
Need Help?

Mobile Banking

Want to manage your account from your mobile device? Download our free mobile app and put the power of online banking on your phone or tablet.

Decorative Icon

For Android

Decorative Icon

For Apple

Enjoy Added Security

Clearwater Has Fraud Text Alerts

All member debit and credit cards now have added fraud protection with fraud text alerts. You will only get a text alert if a transaction is flagged as potentially fraudulent. If you are unable to respond to the initial text alert within 5 minutes, we will contact you via phone call to follow up.

  • If the transaction is valid, simply reply to the text message with ‘YES.’
  • If the transaction is fraudulent, reply with ‘NO.’
  • If you are unsure, you can respond with ‘HELP’ and you will recieve a text message with further instructions.
  • If you would like to opt-out of fraud text alerts, respond with ‘STOP.’

Make sure your contact information is up-to-date in online banking or give us a call to ensure you receive fraud text alerts.

Go green by going paperless.

We believe in reducing our impact on the environment, and we’re happy to help you do the same by going paperless. Here’s the form you can use to switch from paper to electronic statements.

Fill out the form


You can access all the accounts for which you’re a primary or joint member, if the accounts are linked. If they’re not linked, but you’d like them to be, please contact us.

To transact or transfer funds from joint or linked accounts, you’ll need either to log into that specific account or add the accounts to your Funds Transfer page when you’re logged in.

Look for the “Forgot username?” or “Forgot password?” link under the login field. These links will walk you through the steps to retrieving or resetting your login credentials.

If you can access a device that’s already recognized by our system — one that you’ve used before to access your account — you can log in and update your challenge questions. If you can’t access a device that’s registered with us, contact us and we’ll help you sort it out.

After you’ve enrolled for Online Banking, if you try to log into your account from a device you’ve never used before, you’ll need to answer a challenge question to prove it’s really you. Challenge questions provide an extra layer of security, so if someone tries to log into your account from an unrecognized device, they won’t be able to.

On that note, never register a public device (like a computer at a public library) where other people could attempt to sign into your account.

We use One Time Passwords to validate that the person using your account really is you by sending a code to the email address or mobile device you’ve given us for this purpose. When you’re making larger transactions or enrolling in online banking for the first time, you’ll need access to your email or mobile device for this reason.

If you’re logging in from a device that we don’t recognize, our system will ask if you want to register it. If you opt in, we’ll install a cookie on that browser so we’ll be able to recognize it again later. Devices that are registered will not require you to answer a challenge question at login.

If you’re using your own device (like a home computer or mobile phone), it’s okay to register it.

If you’re using a public device (like a library computer), don’t register it, because other users could try to access your account fraudulently after you leave.

Our system will ask you to answer a challenge question if our registration cookie gets deleted, if you’re using certain virus protection programs, or if there’s a spyware blocking program on your computer. It’s also possible that a virus would remove the cookie in order to force you to retype in information for it to track. If you have any concerns about your account security, please contact us.

The government issued guidelines that require all financial institutions to improve their online banking security. We’re dedicated to protecting your identity, your money, and your personal financial information.

While the chances of identity theft or monetary loss are slim, there are malicious players on the Internet that try to profit from unsuspecting victims, and one of the most popular ways to commit fraud is by impersonating a user during the registration process. We’ve done our best to make this process as secure as possible, while keeping your Internet banking experience as hassle-free as possible, too.

After you log in to Online Banking, expand the menu button on the left (3 lines), then select “Account Settings.” Here you can change your username, password, challenge questions, email addresses, phone numbers, mailing addresses, site markers, and One Time Password settings.