chat icon Please provide feedback about our website and enter for a chance to win a Visa® Gift Card.

Small Business OptionsSM Checking

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

Checks
Check Card and ATM
Transactions
  • 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)

Disclosures:

  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.
  • 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 CommerceBank.com/WebSurveyRules.