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.
Open Account
APY = Annual Percentage Yield. Rates effective as of
| Min | Max | APY | Rate | Interest Accrues | Dividends Paid |
|---|---|---|---|---|---|
| —— | —— | —— | —— | —— | —— |
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.