How it Works:

• If an overdraft occurs, we’ll automatically cover your account with a Cash Advance from your Commerce Visa®, MasterCard® or personal Line of Credit by depositing the funds into your Commerce Bank checking account. View example.
• You’ll receive a notice of the transfer. Cash Advances are made in increments of $50, up to your available credit limit.
• The cost of utilizing Checking Plus Overdraft Protection is the Cash Advance fee plus interest.

How to Sign Up:

• If you don’t have a Commerce Visa, MasterCard or personal Line of Credit, apply today.
• If you already have a Commerce Visa, MasterCard or personal Line of Credit and would like to add Checking Plus Overdraft Protection, visit your nearest Commerce Branch or call us at 1-800-453-2265 today.

How it Works:

• If an overdraft occurs, we’ll automatically cover your account with a transfer from another Commerce checking, savings or money market account that you’ve designated to provide Overdraft Protection. View example.
• You’ll be charged a fee of $7.00 per occurrence.
• The transfer will be in the exact amount of the item(s) overdrawing your account, plus the fee.
• The amount of an Overdraft Transfer is limited by the available balance in the protecting account.
• Overdraft Transfer is limited to one per day.

How to Sign Up:

• To set up an account as Overdraft Protection for your checking account, just come by your nearest Commerce branch or call us at
  1-800-453-2265.