Our Solutions | Money Management
Small Business Checking Options
Your banking needs aren’t the same as the business down the street. This is why Commerce offers a variety of small business checking account options, allowing you to bank how you want to bank.
With Small Business Online Banking, you can manage your money anywhere, at any time. And if you’d like personal assistance, we have more than 150 full-service branches throughout the Midwest, as well as hundreds of conveniently located ATMs when you need quick access to cash.
Trends & Insights
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$25 monthly fee waived when requirements met1
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Up to 300 free transactions per month2
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Designed for established small businesses with moderate to high transaction volume and borrowing needs
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$9 monthly fee waived when requirements met3
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Up to 150 free transactions per month4
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Best for businesses with light to moderate transaction volume. This option combines the balances in your Commerce Bank business and personal deposit accounts to provide valuable benefits.
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No minimum balance required and $5 monthly fee waived when partnered with a personal checking account5
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Up to 25 free transactions per month6
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Ideal for businesses or organizations with limited transaction needs
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$15 monthly fee waived when partnered with a Small Business checking account7
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No transaction fees8
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This option is specifically tailored for insurance agents to help them manage the collection of insurance premiums
If a Commerce checking account was good enough for my previous employer, which is the largest rental company in the world, it is good enough for my small business.”
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Need more information regarding our services? We are ready to answer your questions.
Let's talkDisclosures:
- $25 minimum to open. The monthly service charge of $25.00 is waived if the customer maintains total deposit balances of $25,000 (can include business and personal checking, savings and money market balances) OR maintains total loan balances of $25,000 OR maintains total combined deposit and loan balances of $40,000. Total loan balances may include outstanding balances in business loans, personal installment loans, home equity loans and home equity credit lines.
- The first 300 transactions per statement cycle are free. These transactions include paper and domestic 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® Debit Card product is free, and the purchase transactions made with the card do not count toward the account’s transaction limits. Real-Time Payment (RTP®) Credit transactions do not count toward the account's transactions limits.
- $100 minimum to open. The monthly service charge of $9.00 is waived if the customer maintains a $2,500 minimum daily balance (daily balance means the ending ledger balance in the account each day. Customer must maintain the minimum daily balance every day of the monthly cycle.) OR maintain total deposit balances (can include business and personal checking, savings and money market balances) of $5,000.
- The first 150 transactions per statement cycle are free. These transactions include paper and domestic 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® Debit Card product is free, and the purchase transactions made with the card do not count toward the account’s transaction limits. Real-Time Payment (RTP®) Credit transactions do not count toward the account's transactions limits.
- $100 minimum to open. The monthly service charge of $5.00 is waived if the customer maintains one of the following personal checking accounts: Commerce Free Checking, CommerceBasic Checking, CommerceInterest Checking, CommerceRelationship Checking, Benefits Banking Select, Premium or Private Options.
- The first 25 transactions per statement cycle are free. These transactions include paper and domestic 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® Debit Card product is free, and the purchase transactions made with the card do not count toward the account’s transaction limits. Real-Time Payment (RTP®) Credit transactions do not count toward the account's transactions limits.
- $100 minimum to open. The monthly service charge of $15.00 is waived if the customer maintains an open, qualified Small Business checking account which can include the following: myBusiness Checking, myBusiness Select Checking or Small Business Options Checking.
- Transactions are free but will be restricted to Credits and Deposited items only. Debits will be allowed only from the parent insurance company.
