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How to Apply

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Investment Savings Account

Our Investment Savings Account pays you more as your balance grows.

  • Competitive money market rate
  • Balances greater than $1,000 may earn a higher interest rate
  • Open an account with just $100
  • FDIC insured1

Interested in saving for a goal and earning rewards? Open a myRewards Savings account.

Min. Opening Deposit
  • $100
Interest Paid
  • Compounded Monthly2View Rates
  • Interest rate may increase on balances greater than $1,000
Minimum Balance
  • $500 daily balance3 OR $1,000 average daily balance4 each month OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more5
Monthly Service Charge
  • $6 (if balance not met)
Check Writing Privileges
  • Yes; Up to 6 checks per month
  • Up to 6 withdrawals or transfers per month
  • Free access to funds through any Commerce ATM, our 24-hour Account Information Line and Online Banking
Online Services
  • Free Online Banking
  • 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 CD-ROM
Statement Options
  • E-Statement - Free
  • Paper Statement - $2 per month for Paper Statements.


  1. The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.
  2. Interest is compounded monthly and credited to your account at the end of the monthly statement cycle. A minimum $100 balance is required each day to earn interest. Interest does not accrue on days when your ending balance falls below $100.
  3. Daily balance means ending ledger balance in the account each day. You must maintain the $500 minimum daily balance every day of a month to avoid a service charge.
  4. Average daily balance is calculated by adding the ending ledger balance in the account each day of the monthly cycle and dividing that sum by the number of days in the cycle. You must maintain a minimum $1,000 average daily balance for the month to avoid a service charge.
  5. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account.
  • 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
  • Deposit Agreement & Disclosures