1. Limited-time offer. Offer and promo code are not transferable and are only valid for directly intended recipients of either a digital or mailed offer. This offer cannot be combined with any other checking offers or promotions. Only one offer per household. Name and address on new account must match Commerce Bank’s mail list records to be eligible for the bonus. To qualify for one of the below bonuses: a) You must provide the promo code Mar25NewBonus at the time of account opening; b) Your new Commerce Bank checking account must be opened between March 7, 2025 and May 20, 2025; c) You must be a new checking customer, meaning one who has not owned a Commerce Bank checking account in the 12 months prior to account opening.
2. $300 bonus (Debit Card purchases): In addition to #1, on August 18, 2025, you must have completed at least 10 purchases using your associated debit card and have a balance of at least $300 in your account after all transactions, fees and charges have been applied at the end of nightly processing. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions.
3. $300 or $700 bonus (Direct Deposit totals): In addition to #1, by August 18, 2025, account holder(s) must have one or more direct deposits post to the account, totaling $3,000 to $4,999.99 for a $300 bonus; or totaling $5,000 or more for a $700 bonus. To qualify, direct deposits must be a recurring, electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered direct deposits.
4. Commerce Bank will determine whether all requirements for the bonus have been met by August 18, 2025. If you have completed all the above requirements and your account remains open, your bonus will be paid September 15, 2025, by crediting your Commerce personal checking account. You will be eligible for only one of the bonus offers. Maximum total bonus $700. The bonus will be reported as interest to the IRS. Commerce Bank reserves the right to determine eligibility for offer using Commerce Bank’s records. Offer may be revoked, restricted, or changed at any time at Commerce Bank’s sole discretion. Monthly service charge waived for first 60 days after new account opening for CommerceInterest and CommerceRelationship checking accounts. To avoid a $12 monthly service fee for the CommerceInterest checking account, the primary account holder must have at least one $500 or more direct deposit OR maintain a daily balance of $1,000 during the statement cycle. To avoid a $22 monthly service fee for the CommerceRelationship checking account, the primary account holder must maintain a $5,000 average daily balance in that account OR $15,000 in combined Commerce deposit account balances (checking, savings, money market, CDs, and IRAs) during the statement cycle. The Annual Percentage Yield (APY) for Commerce Free Checking is 0.00%, CommerceInterest and CommerceRelationship Checking is 0.01%, as of March 1, 2025. There is no minimum balance requirement to earn the APY. Rate may change after account is opened. Fees could reduce earnings on the account.

**You may receive a direct deposit up to two days early with Early Pay if you have 1) a checking or savings account or prepaid card with us, and 2) a recurring qualifying direct deposit to that account. Qualifying direct deposits may include a recurring ACH deposit of less than $10,000.00 for payroll, Social Security or other government benefits, or pensions. Early Pay is automatic and there is no fee. Please visit the Commerce Bank Deposit Agreement and Funds Availability Policy for more details..