Clearwater Credit Union

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The largest CDFI and second largest credit union in Montana, Clearwater is a values-based, member-owned financial co-operative headquartered in Missoula, MT.

Account Opening - Clearwater CU

We're so pleased you've decided to become a member. To open an account, you'll need to meet the following criteria. <ul><li>Be at least 18 years old.</li><li>Have a valid, government-issued photo ID such as a driver's license, state ID, passport, or permanent resident card.</li><li>Have a valid Tax ID Number.</li><li>Meet our <a href='https://clearwatercreditunion.org/join/#amieligible' target='_blank'>membership qualifications</a></li><li>Deposit $5 into a Primary Savings Account to establish your membership.</li><li>Read and accept <a href='https://clearwatercreditunion.org/files/2022/05/Clearwater-New-Member-Packet-Documentation.pdf?_gl=1*10czldx*_ga*MTQ3MDUwNDY4My4xNjkzMjUyMTQx*_ga_71EHP7CDKP*MTcwOTMyNzU5MS41Ni4xLjE3MDkzMjc3MjQuMTAuMC4w' target='_blank'>account terms and conditions</a>.</li></ul>

Federally Insured by NCUA. <a href='https://clearwatercreditunion.org/privacy-security-policy/' target='_blank'>Clearwater Credit Union Privacy Policy</a>

Terms and Conditions

Apply in 5 minutes or less.

Please enter the six-digit code that was sent to your email address.

Check Your Email for a Private Verification Code.

Open your account

Consumer Credit & ID Verification Federal law requires that we obtain, verify and record information that identifies each person who opens an account, including joint owners. Within this application, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed or denied pending further verification of your identity.

Consumer Reports By submitting an application, you authorize Clearwater Credit Union to obtain a soft consumer credit inquiry to evaluate your creditworthiness so that you may be considered for other Clearwater products and services. This inquiry will not affect your credit score. You also authorize Clearwater to use this consumer inquiry for the purposes of evaluating the membership application, reviewing any Clearwater accounts you open and verifying your identity. We also reserve the right to obtain a full consumer credit report if necessary, to approve your membership application or application for certain products, such as a checking account. You understand these reports may be used in decisions to deny account applications, close accounts and/or restrict accounts or services.

By checking this box you agree to our <a href="https://clearwatercreditunion.org/privacy-security-policy/" target="_blank">Privacy Policy</a>.

What's your legal name as it appears on your passport or other government-issued ID? See eligible counties for membership <a href='https://clearwatercreditunion.org/join/#amieligible' target='_blank'>here</a>

Let’s start with your name.

Phone Number

We'll use your number to text application status updates. Standard text messaging rates apply.

Let’s stay in touch.

Please check the box if you have an alternate mailing address.

We use this information to verify your identity, as required by law.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

The federal government requires this information to verify your Identity and for tax reporting purposes.

Let’s verify your identity.

Verifying your ID only takes a few minutes, helps expedite account opening, and can be securely completed with a webcam-equipped mobile device. You will need one of the following ID documents: <ul><li>Driver's license</li><li>State ID</li><li>U.S. Passport</li></ul> Your application info must match your identification.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We'll use your income data to verify your eligibility.

Let’s document your income next.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Please choose the accounts you wish to open today.

Please choose the deposit products below that you wish to open today.

Let's choose your accounts.

If you have their information available, we can quickly add a joint applicant.

Would you like to add a joint applicant?

Let's enter your joint applicant's info.

How do we contact your joint applicant?

Please check the box if they have an alternate mailing address.

We use this information to verify your joint applicant's identity, as required by law.

What’s your joint applicant's home address?

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their mailing address?

The federal government requires this information to verify your joint applicant's identity and for tax reporting purposes.

Let’s verify your joint applicant’s identity.

If you have their information available, we can quickly add a beneficiary.

Would you like to add a beneficiary?

Let's collect your beneficiary's info.

How much would you like to initially deposit?

See local branches <a href='https://clearwatercreditunion.org/locations-hours/' target='_blank'>here</a>.

How would you like to make your initial deposit?

Link an existing account to transfer your initial deposit.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please enter your account info to transfer your initial deposit from an existing account.

Enter your bank account details.

A few last questions

What is Overdraft? An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:<ul><li>We have standard overdraft practices called Courtesy Pay that comes with your account, for which you can opt-in below.</li><li>We also offer overdraft protection plans, such as a link to your other accounts, which may be less expensive than our standard overdraft practices.</li></ul>What are the standard Overdraft practices? If you opt-in, we may authorize and pay overdrafts for the following types of transactions:<ul><li>Checks and other transactions made using your checking account number Automatic bill payments</li><li>Any other transaction from your checking account</li></ul>Additionally, you can opt-in below for additional coverage for the following types of transactions:<ul><li>ATM transactions</li><li>Everyday debit card transactions</li></ul>We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. What fees will I be charged? Under our Courtesy Pay program: <ul><li>We will charge you a fee of $25.00 each time we pay an overdraft.</li><li>We will charge you a fee of $25.00 each time we decline a transaction due to Uncollected Funds.</li><li>We will charge your account for the first five overdrafts that we pay. After that, any additional transaction that we may cover that day will not be charged a fee.</li><li>We will not pay any overdrafts that cause your checking account to go more than $500 into the negative.</li></ul>If you do not opt-in to our standard overdraft practices:<ul><li>We will charge you an NSF fee of $25.00 each time we reject an item*.</li><li>A particular item may be presented for payment multiple times. You may be charged an NSF or overdraft fee for each presentment.</li></ul>Please see <a href='https://clearwatercreditunion.org/files/2024/03/Important-Terms-Regarding-Overdraft-03112024.pdf' target='_blank'>Important Terms Regarding Overdrafts</a> for more information.

Overdraft Options

By submitting your application, you agree that everything listed below is true and correct to the best of your knowledge.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued). 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding. 3) I am a U.S. person (including a U.S. resident alien).

We’re about done. Does everything look right?

Thanks for your application. We'll contact you about next steps shortly. We appreciate the opportunity to serve your financial needs. If you have any questions, please give us a call at 406-523-3300.