How to Apply

Open an Account >

Banking:

• FREE ATM transactions nationwide - We'll even refund other banks’ ATM fees, up to $30 per calendar month
• FREE Online Bill Pay (1 online account per Plus or Premium household)
• FREE Deluxe ID Theftblock^® Plus coverage¹ — Activate Today
• Higher interest rate on your CommerceOptions checking account balances
• FREE Platinum Visa^® Check Card
• FREE checks, all styles
• Checking Plus Overdraft Protection through your Special Connections^SM Visa^® credit card
• FREE check copies (6 per month)
• No-fee additional personal checking, savings, or money market account

Borrowing:

• 0.50% rate discount and no origination fee on personal loans²
• Additional 0.25% discounts when refinancing from another lender³
• 0.50% rate discount on a Home Equity Line of Credit⁴
• Special introductory rate on a personal Line of Credit⁵
• No-annual-fee Special Connections Visa credit card with a special introductory rate and Commerce Miles^SM Rewards⁶
• $100 Visa^® Gift Card with a new Commerce mortgage loan

Saving and Investing:

• Premium rate on Premium Money Market Accounts and Certificates of Deposit*
• 30% discount on broker-assisted equity trades^7,‡
• FREE online access to investment accounts^7,8,‡
• FREE financial planning consultation^‡

Convenience:

• FREE E-Statement with e-mail notification
• FREE Check Images Statement or Check Safekeeping Statement
• FREE Online Banking
• FREE notary services
• FREE 3” x 5” safe deposit box or equivalent annual credit toward a larger box⁹
• Access electronic copies of your 1099 and certain other tax forms through Online Banking - View Tax Form FAQs
• CommerceOptions dedicated customer service line: 866-692-2653

Disclosures:

1. Free to primary account holder only.  Primary account holder is the person whose name appears on the account.
2. 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.
3. 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 rates on personal line of credit products apply to new loans only and are in effect for four months from date of opening.
6. Special introductory rate for Special Connections Visa is in effect for six months from date of opening.
7. $1,000 minimum investment required to establish a Commerce Brokerage Services, Inc. account
8. 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.
9. Safe deposit box subject to availability.

• Commerce reserves the right to restrict or change
• Benefits provided by Commerce Brokerage Services, Inc., Member FINRA/SIPC, a wholly owned subsidiary of Commerce Bank, N.A. Investment Products: Not FDIC-Insured – May Lose Value – No Bank Guarantee
• 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.
• Deposit Agreement & Disclosures