Relationship Checking
CommerceRelationship Checking Account
Amplified. Advantages.
Earn interest1 and increased perks for carrying larger balances.
Open a CommerceRelationship Checking account. Open a checking account
Amplified. Advantages.
CommerceRelationship Checking
-
Minimum deposit
to open: $100 -
Monthly service fee: $22
or waived2
Bank without the monthly fee!
Waive the monthly fee with a minimum $5,000 average daily balance in this account OR $15,000 in combined deposit balances (checking, savings, money market, CD and retail IRA balances).2
Perks
- Interest Bearing1
- Platinum Visa® Debit Card
- Free Commerce ATMs nationwide, plus we’ll refund other bank’s fees up to $10/month3
- Free single/wallet-style Commerce Globe checks
- Free Paper and Paperless Statements with Images4
Open an CommerceRelationship Checking account that's right for you. Open an account
Connect your account to your favorite digital wallet, activate Online Banking, download the Commerce Bank Mobile App (for iPhone® or Android®), and experience the convenience and control to bank whenever and wherever you choose.
Open a bank account online and enjoy the benefits!
With the CommerceRelationship Checking Account, you’ll have access to:
Protection
Commerce ID Recover9
(Optional, monthly fee may apply10)
Commerce ID Monitor9
(Optional, monthly fee applies10)
Questions about which account is right for you?
Challenge Accepted.®
My Savings Accelerator makes saving simple.
Knowing how to save — or even how much you can save — can be challenging. But with My Savings Accelerator tools like SmartSave and Round Up, you can take control of your strategy, remove the guesswork, and make saving effortless. Best of all, there’s no fee to use SmartSave or Round Up.
mySpending Card®
Use the flexibility of this reloadable prepaid debit card to balance your budget, spend more safely while traveling, or to manage your child’s expenses.11 mySpending Card® may be purchased online by Commerce Bank customers or by visiting your local branch.
Experience CommercePremier
Your balances may qualify you for CommercePremier13, which offers exclusive benefits and elevated service.
Ideas & Tips
Why you need both checking & savings accounts.
Here’s a brief explanation of the two most common types of bank accounts, why to have them, and how to get started.
Why you still need a checking account.
Having a checking account is often a prerequisite for applying for credit, loans and other financial products. It’s the foundation upon which you can access additional services your bank provides.
Preparing for the unexpected: How you can protect yourself and your finances.
Proactive steps you can take to be better prepared should an accident, serious illness, job layoff or other emergencies threaten your financial well-being.
*Annual Percentage Yields (APYs) effective: September 4, 2024
There is no minimum balance requirement to earn the APY. Rate(s) may change after account is opened. Fees could reduce earnings on the account.
- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ending collected balance in the account each day. Interest rate and annual percentage yield may vary. We may change the interest rate at any time at our discretion. Fees could reduce earnings on your account. When your collected balance is greater than $1,000, you may earn a higher rate of interest.
- Minimum Balance to Avoid Service Charges: $5,000 average daily balance in this account OR $15,000 in combined deposit balances (checking, savings, money market, CD and retail IRA balances.) Average daily balance means the ending ledger balance in the account each day, divided by the number of the days in the month. You must maintain the minimum average daily balance for the monthly cycle. The person listed first on the account must maintain the balances shown. Qualifying deposit accounts include personal checking, savings, money market and CDs. Business accounts do not qualify. Combined balances are determined by using the actual balance on the day prior to the checking account statement cycle date each month.
- Commerce will not charge you for ATM transactions made at non-Commerce ATMs. Other banks’ fees will be refunded up to $10 per calendar month. Transactions must be from your CommerceRelationship checking account.
- Must activate Online Banking and sign up for paperless statements to get free monthly paperless statement.
- Message and data usage fees apply; check with your wireless or VoIP provider for more information.
- Fees may apply for External Transfers, depending on the speed of the transaction.
- View Overdraft Grace Period page for details.
- Overdraft services require separate enrollment. There is no charge until the service is used.
- To be eligible for Commerce ID Recover and Commerce ID Monitor, you must have a Commerce personal checking account, reside in the United States or its territories, and be a legal adult in your state of residence. The Service applies to the Commerce personal checking account holder and the spouse or domestic partner (a person who, although not legally married to the registered Customer, has cohabitated with the Customer for a period of at least one (1) year and is publicly represented as the Customer’s domestic partner in the community in which they reside), dependent children under the age of 21 who live with the Customer and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.
- Commerce ID Recover is $5.49 per month; monthly fee is waived for CommercePremier Members. Commerce ID Monitor is $12.99 per month; fee is $6.49 per month for CommercePremier Members.
- Initial value load fee: $5.95. Secondary/Additional card: $2.00. Load, spending and withdrawal limits apply. Review mySpending Card® for fees, limits and details. Minimum load amount: $10, unless funds are loaded by direct deposit or other ACH transaction.
- Get a $50 Visa® Reward Card for every friend and family member you refer to open and use a new Commerce personal checking account, up to $500. Terms & Conditions apply and are available at www.referlive.com/commercebank.
- CommercePremier is an exclusive, preferred banking program. Learn more.
Deposit Agreement & Disclosures
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.
To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version.
