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Checking Accounts

Commerce offers a wide range of checking accounts; all designed to make banking easier for you and help you reach your financial goals. If you decide that you want to open an account with us, please follow our simple instructions to switch to Commerce Bank.

Build your own checking account!

Choose your account features the way you like to bank and manage your money. Simply leave off the features you wonít use and donít find valuable.

Begin Building >

  Minimum Balance to Avoid Service Charge Monthly Service Charge Interest
Paid
Free
Non-Commerce ATMs

Build your own checking account!

Begin Building >

$500 Direct Deposit
OR
30 Debit Card
transactions during
the month ($100 to open)
$8
(after the first 60 days
if direct deposit or
30 debit card transaction
requirement is not met)
No None

Or choose one of our standard checking accounts.
  Minimum Balance to Avoid Service Charge Monthly Service Charge Interest
Paid
Free
Non-Commerce ATMs

Interest Checking

Apply Online >

$1,000 Minimum
OR
$2,000 Average
($100 to open)
$10
(after the first 60 days
if balance not met)
View Rates None

CommerceOptionsSM Plus

Apply Online >

$5,000 Deposits
OR
$10,000 Combined
Deposits & Loans3
($100 to open)
$12
(after the first 60 days
if balance not met)
View Rates No Commerce fee 3 times per month (other bank’s ATM fees may apply)

CommerceOptionsSM Premium

Apply Online >

$20,000 Combined
Deposits & Loans
OR
Commerce Mortgage
OR
$100,000 Brokerage3
($100 to open)
$20
(after the first 60 days
if balance not met)
View Rates No Commerce fee at any ATM in the US – plus we’ll refund up to $6 of other banks’ fees per calendar month

myDirect Checking

Apply Online >

$0
($100 to open)
$0
As long as your account is active, you will be charged a fee only if you make a paper transaction or receive a paper statement1
No None

myDirect Student Checking

Apply Online >

$0
($100 to open)
$0
As long as your account is active, you will be charged a fee only if you make a paper transaction or receive a paper statement1
No None

Disclosures:

  1. Inactivity fee of $3 per month charged after a 60-day period of inactivity. Activity is defined as any transaction, such as a withdrawal, deposit, bill payment or ACH payment. An account inquiry, such as checking your balance in Online Banking or at ATM, is not a transaction and does not count as activity. Fee of $2 per paper transaction (check or withdrawal slip) you write that posts during your monthly statement period. Customer is also responsible for cost of check orders including shipping and handling. Must activate Online Banking and sign up for E-Statements to get free monthly statements; fees for paper statements are $1 per month for Paper Statements or $2 per month for Paper Statement with Images (fee waived for first 60 days after account opening).
  2. The person listed first on the account must maintain a combined balance of $1,500 in Commerce checking, savings and money market accounts. Qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle.
  3. The person listed first on the account must maintain the balances shown. Qualifying deposits include personal checking, savings, money market, CDs, and retail IRAs. Business accounts do not qualify. Qualifying loans include personal loans and home equity loans or lines of credit. Business loans do not qualify. Qualifying brokerage balances include cash and securities that appear on the Commerce Brokerage statement. Brokerage services provided or reported through third parties are excluded.  Qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle date each month.