With a Clearwater checking account, every deposit, payment, and purchase you make supports what you believe in, like uplifting people, building a healthy local economy, and protecting Montana’s natural resources for future generations.
Our Basic Checking account is best for those who want no monthly fee, no minimum balance, and robust digital banking tools so you can bank when, where, and how you want.
APY = Annual Percentage Yield. Rates effective as of
| Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|
| —— | —— | —— | —— | Daily | Monthly |
Earn dividends on your checking account balance with Premium Checking. This account is best for those who keep higher checking account balances and want to earn a tiered dividend rate.
APY = Annual Percentage Yield. Rates effective as of
| Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|
| $0 | $50,000 | 1.00% | 1.00% | Daily | Monthly |
| $50,001 | $100,000 | 1.25% | 1.24% | Daily | Monthly |
| $100,001 | —— | 1.50% | 1.49% | Daily | Monthly |
$1,500 minimum monthly balance to avoid $5 fee.
Having trouble qualifying for a traditional checking account? That’s why we developed SmartSpend, the checking account without checks that lets you make deposits, use a debit card, and cash your paychecks — all for only $5.00 a month.
APY = Annual Percentage Yield. Rates effective as of
| Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|
| —— | —— | —— | —— | —— | —— |
To open your account, please have the following items ready:
Take control of your financial future and bank from anywhere life takes you with Clearwater Digital Branch. From your phone, tablet, or PC, you can:
If you live, work, worship, attend school, volunteer, or participate in a membership-based organization in one of the following counties, you’re eligible to join. We’d love to have you as a member. Check your eligibility.
Values-based banking prioritizes sustainable social, environmental, and economic development over profit maximization. Values-based institutions focus on serving communities, supporting sustainable development, and promoting transparency and ethical practices in their banking operations.
Yes, your accounts are federally insured to at least $250,000 by the NCUA.