Private Options

Through your Private Banking relationship with Commerce Trust, you've earned the preferential treatment we like to extend to our most valuable clients, and that includes a Private Options account. With this account, you'll receive almost every banking service you'll ever need at no charge or at a preferred rate.

Your Private Banker, who is your single point of contact at Commerce Trust, can help you take full advantage of your Private Options benefits.

Checking with Convenient Access¹

  • Commerce Private Options interest checking account
  • Free standard Commerce Globe checks and 50% off other personal designs
  • Free Online Banking and Online Bill Pay
  • Overdraft protection through your Private Banking Visa® Signature card
  • Enhanced rate on both interest checking and premium money market account
  • Free dual-signature travelers checks
  • Free stop payments and check copies
  • Free Platinum Visa® Debit Card with free ATM transactions at any ATM
    in the US
    – plus we’ll refund up to $30 of other banks’ fees per calendar month

Loans and Credit Cards to Meet Your Borrowing Needs²

  • Preferred rate discount on personal loans and lines of credit
  • Origination fees waived on personal loans
  • Preferred rate home equity line of credit
  • No annual fee Private Banking Visa® Signature card with Commerce Bank Rewards

Advice and Other Service Benefits

  • Free notary services
  • Free 3” x 5” safe deposit box or equivalent annual credit toward purchase of a
    larger box3
  • Online information library
  • Family ID Restoration available


  1. Check copies - six free per month. Stop payments - three free per year. Online Bill Pay - one free account per household.
  2. Personal loan rate discount offered for automatic payment from your Commerce checking account. Mortgages and dealer loans are not eligible to receive personal loan discounts. Loans and credit cards subject to credit approval. Insurance must be carried on property securing home equity loans. When choosing a Commerce Private Options checking account and a corresponding credit card, you automatically receive debit functionality and ATM access with your credit card product.
  3. Safe deposit box subject to availability. All rates and terms subject to change, see your Private Banker for rate details.
  • 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.
  • Mutual funds, annuities, and other investment products:
    Not FDIC-insured May lose value No bank guarantee