Checking Accounts
Open your bank account online
Flexible. Convenient. Benefits.
Find the Commerce Checking account that's right for you. Explore checking account options
Commerce Bank Checking Account Options
Manage your day-to-day spending, pay bills, receive direct deposit of your paycheck, and withdraw cash from an ATM with the Commerce Checking account that’s right for you.
Open a bank account online and enjoy the benefits!
Whatever account option you choose, with a Commerce Bank Checking Account, you’ll have access to:
Protection
FDIC Insured6
Commerce ID Recover7
(Optional, monthly fee may apply8)
Commerce ID Monitor7
(Optional, monthly fee applies8)
Explore your options and choose the checking account that best fits your needs:
Free. Flexible.
Commerce Free
Checking
Manage your essential spending needs with your FREE checking account.
-
Minimum deposit
to open: $25 - Monthly service fee: $0
Earn. Everyday.
CommerceInterest Checking
This everyday checking account works for you — earn interest9 while you manage spending.
-
Minimum deposit
to open: $100 -
Monthly service fee:
$12 or waived10
Find the Commerce Checking account that's right for you. Open an Interest Checking account
Amplified. Advantages.
CommerceRelationship Checking
Earn interest9 and increased perks for carrying larger balances.
-
Minimum deposit
to open: $100 -
Monthly service fee:
$22 or waived11
Find the Commerce Checking account that's right for you. Open an Relationship Checking account
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.13 mySpending Card® may be purchased online by Commerce Bank customers or by visiting your local branch.
Ideas & Tips
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.
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.
*Annual Percentage Yields (APYs) effective: October 21, 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.
- Message and data usage fees apply; check with your wireless or VoIP provider for more information.
- My Savings Accelerator is offered through invitation for qualifying accounts.
- Fees may apply for External Transfers, depending on the speed of the transaction.
- View Overdraft Grace Period for details.
- Overdraft services require separate enrollment. There is no charge until the service is used.
- The FDIC protects the money depositors place in insured banks. Each depositor is insured to at least $250,000 per insured bank. To look up your account’s FDIC protection, use the FDIC Electronic Deposit Insurance Estimator link opens in a new window..
- Service sold separately. 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.
- 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: During the statement cycle you must have at least one direct deposit of $500 or more OR maintain a daily balance of $1,000. Daily balance means the ending ledger balance in the account each day. You must maintain the minimum daily balance every day of the monthly cycle.
- 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.
- 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 link opens in a new window..
- 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.
Deposit Agreement & Disclosures
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