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Routing: 292977899

Pathway Banking Program

Clearwater’s Pathway Banking Program offers a collection of accounts and services designed specifically for those just starting out or who’ve had difficulty qualifying for traditional bank accounts or loans.

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Build a Clear Path to Your Future

Pathway Banking is best for those who’ve had difficulty qualifying for traditional banking services, including those just starting out or those who’ve had credit challenges. With options for checking and savings accounts, loans, and more, our Pathway Banking program can help you build a clear path to a bright financial future.

Manage Your Money

SmartSpend Checking Account

Enjoy no minimum balance, unlimited debit card transactions, and fee-free ATM withdrawals at more than 30,000 ATMs nationwide, all for $5 monthly.
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V.I.P. Savings Account

Save for annual expenses, like vacation or holiday spending, while earning a higher interest rate. Deposit up to $250 monthly, and we’ll hold your funds until a future date of your choosing, up to 12 months.
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Build or Rebuild Your Credit

Payday Alternative Loans (PAL)

Avoid the high rates and fees of payday loans. If you’ve been a Clearwater member for at least 90 days and have 90 days of continuous income, you can apply for up to a $1,000 loan, even if your credit isn’t great. All loans are subject to approval.
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Credit Builder Loan

This loan helps you build or rebuild your credit. Apply for up to $1,000 for 12 months. We’ll hold your funds in a savings account, and release them when you pay off the loan. You’ll have up to $1,000 in savings and 12 months of good credit history.
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Secured Visa Credit Card

Boost your credit and avoid dipping into your savings. With our Secured Visa Credit Card, we hold an amount equal to 110% of your credit limit in a Clearwater savings account. You build credit with the flexibility of a Visa card, all for no annual fee.
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AutoBoost Auto Loan

If you have credit challenges, this is the auto loan for you. Available only at approved, local dealerships, it requires six months of continuous employment and a 10% cash down payment to qualify.
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Build or Rebuild Your Credit

Consumer Banking Help

Financial Counseling Center

Take control of your debt and your financial future with help from one of our Certified Financial Counselors. As a Clearwater member, you have access to free financial counseling to help you build a budget, (re)build your credit, mitigate fraud or ID theft, and learn how to navigate financial challenges.
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Financial Education Center

Build your money skills with our free, on-demand financial education resources. With topics covering everything from budgeting and borrowing to taxes, retirement, investing, and more, you’ll get the information you need to make informed decisions.
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All loans are subject to approval.