# OTR Clutch > Online banking for trucking companies with cash back and credit building. (iPhone/iPad app by OTR Capital LLC.) - Source: https://appshunter.io/ios/app/otr-clutch/id6445851199 (this page in markdown: same URL + `.md`) - Developer: [OTR Capital LLC](https://appshunter.io/developer/1031043529) - Category: Finance, Business - Price: Free - Rating: 4.80/5 from 194 App Store ratings · 9 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 92 MB - Languages: American English - Released: 2023-07-12 - Data updated: 2026-08-23 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/otr-clutch/id6445851199/reviews.md ## What is OTR Clutch? 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, 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. 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. ## Key features - Unlimited cash back on debit purchases - Build business credit - Access to financing options - FDIC-insured banking - No fees, minimums, or credit checks - Integrates with OTR Solutions services ## Recent user reviews (9 of 9) All indexed reviews: https://appshunter.io/ios/app/otr-clutch/id6445851199/reviews.md ### 3/5 — App is buggy *2026-05-09, version 1.6.2* App needs lotta work ### 1/5 — App is just as bad as Otr *2026-04-09, version 1.4.6* This app is glitchy as heck, and the company otr has no clue how to make it work, i get logged out everytime i leave the app, filing a disputed is a hassle, and over otr sucks as a company ### 2/5 — App sucks *2026-03-15, version 1.4.2* It has a lot of bugs occasionally, not user friendly and wouldn’t recommend as a banking option ### 3/5 — Log in *2025-10-12, version 1.2.2* I honestly don’t like when I close it the app I’ll have to log all the way in again. I’ll have to reinsert all my log in information again. Can’t use Face ID or fingerprint on either iPhone or android ### 3/5 — Add zalle transfer option in app *2025-09-17* Pls add zalle transfer option in otr cluch .its very hard when we need to get money or send money from our account ### 1/5 — The app itself is trash *2024-08-14* I had to pay to get the app originally and then it wasn’t working so I deleted it and now I’m trying to install it again and of course it’s trying to make me pay for it a second time! ### 3/5 — Could use a few improvements but otherwise a great app *2024-02-02, version 1.1.5* 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. ### 5/5 — login issues (resolved) *2024-01-19, version 1.1.4* Looking forward to using the app just got it fixed and hope it’s as good the factoring and fuel app. ### 5/5 — Mark owner operator *2023-08-02, version 1.0.3* 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 ‼️‼️‼️‼️ ## Frequently asked questions about OTR Clutch ### What does OTR Clutch do? OTR Clutch is an online banking solution specifically designed for trucking companies. It allows users to earn unlimited cash back on debit purchases, build business credit to access financing, and provides a secure, FDIC-insured banking platform. ### What are the key features of OTR Clutch? Key features include earning cash back on all debit card swipes, building business credit for financing opportunities, and a secure banking experience backed by FDIC insurance. It also offers no fees, no minimum balance requirements, and no credit checks to open an account. ### Is OTR Clutch free to use? Yes, OTR Clutch is free to use. There are no monthly fees, no minimum balance requirements, and no credit checks needed to open an account. You can start spending and earning cash back immediately. ### Who is OTR Clutch for? This app is tailored for trucking companies and owner-operators. It aims to provide financial tools and benefits that specifically address the needs of the transportation industry, helping them manage finances and grow their businesses. ### Can I use OTR Clutch with my existing bank accounts? Yes, you can keep your current bank accounts and use OTR Clutch alongside them. The app is designed to be a complementary financial tool, and users are encouraged to make it their preferred banking option over time. ## Version history (last 5 releases) ### 1.9.0 — 2026-08-19 • Improved bank transfer options, including new payee support and a more relevant order of transfer choices • Improved app stability and fixed several crashes • Fixed an issue that could cause a lock screen prompt during check deposit • General bug fixes and performance improvements ### 1.8.0 — 2026-07-10 Fixed bugs and improved app stability Minor UI improvements for a smoother user experience Security & Third Party Library Vulnerability Updates ### 1.7.0 — 2026-06-04 Thanks for using our app! This update includes bug fixes, performance improvements, and small enhancements to keep things running smoothly. ### 1.6.2 — 2026-05-06 Thanks for using our app! This update includes bug fixes, performance improvements, and small enhancements to keep things running smoothly. ### 1.4.6 — 2026-04-03 Bug fixes and performance improvements ## Apps similar to OTR Clutch | App | Rating | Price | Category | | --- | --- | --- | --- | | [EFS PayControl](https://appshunter.io/ios/app/efs-paycontrol/id1491960130) | 1.9 (10) | Free | Finance | | [BasicBlock](https://appshunter.io/ios/app/basicblock/id1565412812) | 4.0 (11) | Free | Finance | | [eCapital Mobile App](https://appshunter.io/ios/app/ecapital-mobile-app/id1325747049) | 1.7 (35) | Free | Finance | | [EFS CarrierControl](https://appshunter.io/ios/app/efs-carriercontrol/id1230590574) | 4.7 (5,337) | Free | Finance | | [DAT Outgo](https://appshunter.io/ios/app/dat-outgo/id1592764668) | 4.3 (37) | Free | Finance | | [InsurLink](https://appshunter.io/ios/app/insurlink/id1462689482) | 4.9 (12) | Free | Finance | ## More apps by OTR Capital LLC - [OTR Solutions](https://appshunter.io/ios/app/otr-solutions/id1535523322) - [Epay Manager Mobile](https://appshunter.io/ios/app/epay-manager-mobile/id6756434455) All apps by OTR Capital LLC: https://appshunter.io/developer/1031043529 ## Related topics [otr clutch](https://appshunter.io/ios/topics/otr-clutch) · [otr fuel card](https://appshunter.io/ios/topics/otr-fuel-card) · [otr solutions](https://appshunter.io/ios/topics/otr-solutions) · [wego transit](https://appshunter.io/ios/topics/wego-transit) · [otr](https://appshunter.io/ios/topics/otr) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-23.*