OTR Clutch 4+

OTR Capital LLC

    • 4.9 • 188 Ratings
    • Free

iPhone Screenshots


Shift your business into high gear with OTR Clutch, the first online banking solution designed specifically for trucking companies. Earn unlimited cash back on debit purchases including recurring insurance and finance payments, overdraft up to $100 without fees or penalties, and build business credit to gain access to credit and financing options.

Backed by the Most Trusted Name in Transportation
OTR Clutch is the newest innovation from OTR Solutions expanding their reputation as a trusted and reliable factoring provider into the banking world. In partnership with FDIC insured Thread Bank, OTR Clutch delivers unparalleled security and peace of mind where you need it most.

Earn on Every Card Swipe on Debit Purchases
Earn cash back on your everyday purchases and your high dollar expenses like insurance, equipment financing, and more.

Fee-Free Overdraft up to $100
A bank who doesn’t know trucking wouldn’t understand how variable and unexpected your expenses can be. That’s why OTR Clutch lets you overdraft up to $100 without fees or penalties.

No Fees, No Minimums, No Credit Checks
Open an account and start spending for free. There are no monthly balance minimums, usage requirements, or fees.

Keep Your Current Account
Open an OTR Clutch account and use it the way you want to, no need to close out your other accounts. But, we don’t think it will be long until you make OTR Clutch your preferred banking option.

Access OTR Solutions' Suite of Services
Need a factoring company? How about the best fuel discounts in the industry? With OTR Solutions factoring, OTR Fuel Card, and their vast network of insurance, load board, and compliance partners you won’t have to go far for more deals, savings, and resources.

What’s New

Version 1.1.7

- We made a few important bug fixes

Ratings and Reviews

4.9 out of 5
188 Ratings

188 Ratings

Gilley family trucking llc ,

Mark owner operator

I jus open the account first day I’ve already read up and see that this is going to come in clutch for the owner operator like me I love Otr I see no other way ‼️‼️‼️‼️

robthematrix ,

login issues (resolved)

Looking forward to using the app just got it fixed and hope it’s as good the factoring and fuel app.

Only1LC ,

Could use a few improvements but otherwise a great app

Let me start by saying this app is convenient as I do a lot of work from my phone. The only problems I have are
1) There is no ability to search by custom date range. (This makes it extremely tedious to view older transactions from previous months)
2) You can not download the monthly statement until the month is over. (This makes it impossible to give credit loan institutions an accurate picture of your finances at a moments notice)
3.) The app does not connect to third part accounting software such as Wave accounting via plaid like all prominent banks do. ( This makes it extremely difficult to keep a list of transactions for accounting purposes, I literally have to enter every single transaction by hand at the end of every day just to keep accounting up to date as a result of this, I know some would say just upload a .csv file into wave accounting but the format of OTRclutch bank statement is also incompatible because it doesn’t list the date including year and it has too many cells.)
4.) I have expressed these issues with the clutch department with OTR and they basically said I should choose another bank because they aren’t willing to make these changes anytime soon.
In conclusion with those 3 items addressed and added this app would get 10 stars out of 5 from me.
Also I was told before I signed up that as a clutch user I would receive fuel credit line after 90 days usage, I’ve called OTR and asked about this multiple times as it’s been at least 6 months or more of usage but everyone keeps saying it’s someone else’s department and that they will have them get back to me but no one ever actually responds. I just want what was advertised as it’s one of the reasons I signed up. On the good side Garret with OTR has been awesome with helping me. He always does what he promises. He’s a big reason why I haven’t switched banks yet even though it’s superbly difficult to keep accounting current because of the aforementioned issues.

App Privacy

The developer, OTR Capital LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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