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Premium Money Market Account

Earn higher rates with the CommerceOptions Premium Money Market Account - available exclusively to CommerceOptions Plus and Premium checking customers.1

  • Interest rate increases as your balance grows - View Rates
  • Easy access to your money (limitations apply)
  • FDIC insured2
Min. Opening Deposit
  • $1,000
Interest Paid
  • Compounded Monthly3
  • Interest rate increases when balances reach $10,000, $25,000, $50,000, and $100,0003
Minimum Balance
  • $5,000 average daily balance4
Check Writing Privileges
  • Yes
  • Up to 6 withdrawals or transfers per statement cycle
  • Free access to funds through any Commerce ATM, our 24-hour Account Information Line and Online Banking
  • 6 free non-Commerce ATM withdrawals per statement cycle
Online Services
  • Free Online Banking (Commerce checking or savings account required)
  • Access electronic copies of your 1099 and certain other tax forms through Online Banking - View Tax Form FAQs
  • Order up to seven years of account statements and check images on
Statement Options
  • Quarterly paper statement (or monthly if activity in account) - Free

Important Disclaimers:

  1. CommerceOptions checking requires significant product relationships or a $12 or $20 monthly fee.
  2. The Federal Deposit Insurance Corp. insures each depositor currently to at least $250,000.
  3. Interest is compounded monthly and credited to your account at the end of the monthly statement cycle. Interest rate is based on 4 tier levels.
  4. Average daily balance is calculated by adding the ending ledger balance in the account for each day of the monthly cycle and dividing that figure by the number of days in the monthly cycle.  You must maintain the minimum average daily balance for the monthly cycle to avoid monthly service fees. 
  • 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.
  • NO PURCHASE OR ACCOUNT NECESSARY TO ENTER OR WIN. A PURCHASE OR ACCOUNT WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes is open to legal residents of United States who are 18 years old or older on or before November 14, 2016. You may also enter by mailing your name, address, phone number and email address to Commerce Bank Website Survey Sweepstakes, 8000 Forsyth Blvd CBIR-1, St. Louis, MO 63105 Entries must be received by December 15, 2016. Approximate retail value of the prize is one of ten (10) $50.00, three (3) $100.00 or (1) $250.00 Commerce Bank Visa Gift Cards. For a copy of the Official Rules, please visit