Small Business OptionsSM Checking

Use the balances in your business and personal accounts to gain valuable benefits.

Check Card and ATM
  • Up to 300 free transactions per month3
Online Services
Additional Features
  • No merchant card set-up fees (first location only)
  • Reduced rates on small business loans5
  • Premium rates on business money market account6
  • Remote Deposit for $15 a month
  • See Remote Deposit in action now by watching this video.
Statement Options
  • E-Statement Free
  • E-Statement with Images Free
  • Paper Statement $3
  • Paper Statement with Images $3

How do I qualify?

  • Simply combine your personal and business account and loan balances
  • There are 3 ways to qualify:
    1. Maintain Total Deposit Account Balances of: $25,000
      (includes business and personal checking, savings, money market, CDs and consumer IRA balances)
    2. Total Loan Balances of: $25,000
      (includes outstanding balances in business loans, personal installment loans, home equity loans and credit lines)
    3. Combined Deposit and Loan Balances of: $40,000
      (includes all balances in your personal deposits, business deposits, plus your outstanding balances in business and personal loans)


  1. $25,000 total deposit balances or $25,000 total loan balances or $40,000 total combined deposit and loan balances. $25 service charge each month minimum combined balance requirement is not met.
  2. One free Online Bill Pay account per business.
  3. First 300 transactions per statement cycle are free. These transactions include paper and electronic (ACH) debits, credits and deposited items, and Online Bill Pay-generated checks and ACH debits. Additional transactions are $0.50 each. The Business Visa Check Card and Bill Pay products are free, but the use of the products may count towards the account’s transaction limit.
  4. Three free Non-Commerce ATM transactions per month on Business Visa® Check Card. Non-Commerce ATM transactions must be made from primary checking account and other banks' ATM fees may apply.
  5. Loan rate discount offered for automatic payment from your Commerce checking account. Please ask about CommerceOptions for more details.
  6. On balances greater than $10,000; premium rate on balances above $100,000
  • 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.