A banking relationship that rewards you for your combined checking, savings and loan balances.**
CommerceOptions Premium rewards your relationship with extra benefits plus special features that add value to your banking.
Banking Benefits:
- CommerceOptions Premium Interest Checking Account with a preferred rate
- No-fee second personal checking, savings, or money market account
- Free checks – all styles
- Free CommerceOptions Premium Check Card with no fee from Commerce for 6 ATM transactions each month at other banks. Other banks’ ATM fees may apply
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- Checking Plus Overdraft Protection through your Special ConnectionsSM Visa® Credit Card
- Free single-signature travelers’ checks
- Three Free stop payments per year
- Free check copies2
Borrowing Benefits:
Saving and Investing Benefits:
- Premium rate on CommerceOptions Premium Money Market Account balances
- Higher premium rate with balances > $10,000
- Highest premium rate with balances > $50,000
- Premium rate on Certificates of Deposit
- Planned savings program with automatic transfers to your CommerceOptions Premium Money Market Account
- 30% discount on broker-assisted equity trades7†
Plus:
- Free Deluxe ID TheftBlock® Plus coverage8
- Free Online Newsletter
- Free notary services
- Free 3”x5” safe deposit box or equivalent annual credit toward larger box9
- Free financial planning consultation10†
Free dedicated customer service line: 1-866-692-2653
Free Online Account Access
Unlimited service at any of our branch and ATM locations
Questions?
*To send an email that contains confidential information, please visit the Secure Message center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
**Qualifying deposits include personal checking, savings, money market, CDs and retail IRAs. Business accounts do not qualify.
Qualifying loans include personal loans or credit lines and home equity loans or credit lines. A CommerceOptionsSM Plus or Premium checking account is required.
Qualifying brokerage balances include cash and securities offered by Commerce Brokerage and that appear on the Commerce Brokerage statement. Brokerage services provided or reported through third parties are excluded. A CommerceOptions Plus or Premium checking account is required.
Qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle date each month. Refer to your Commerce Fee Schedule for calculation of interest and other fees to which CommerceOptions may be subject.
1 One free Online Bill Pay account per Plus or Premium household
2 Check copies six free per month.
3 Personal loan rate discount offered for automatic payment from your CommerceOptions checking account. Mortgages and dealer loans are not eligible to receive personal loan discounts. Additional refinancing discount is limited to one discount per new installment loan, and is not applicable to Commerce credit card or loan account payoffs. Loans and credit cards subject to credit approval.
4 Limited time offer available on new Home Equity lines of credit for customers with automatic payments from a CommerceOptions Plus or Premium checking account. Subject to credit approval. Rates are subject to change. Insurance must be carried on property securing home equity loans.
5 Special introductory rate for Special Connections Visa is in effect for six months from date of opening.
6 Special introductory rates on personal line of credit products apply to new loans only, and are in effect for four months from date of opening.
7$1,000 minimum investment required to establish a Commerce Brokerage Services, Inc. account.
8 Free to primary account holder only. Primary account holder is the person whose name appears first on the account.
9 Safe deposit box subject to availability
10 Commerce Brokerage online account access is required to receive investment research. Investment research is provided by an unaffiliated service, whose opinions and recommendations are solely their own, and does not constitute an offer or recommendation to buy or sell by Commerce Brokerage Services, Inc.
All rates subject to change; see your Commerce banker for rate details.
