Personal Savings

Start your savings with a Personal Savings Account.

  • Open with just $100 – or just $1.00 for minors

  • Special programs for young savers

  • FDIC insured1

  • Monthly Service Charge

    $3.00 if balance not met. (Fee waived for minors.)

  • Online Services

    • Free Online Banking
    • Access electronic copies of your 1099 and certain other tax forms through Online Banking
    • Order up to seven years of account statements and check images on CD-ROM

  • Statement Options

    • Paperless Statement - Free
    • Paper Statement - $2.00 per month for Paper Statements.
    • Savings statements are provided monthly when there are electronic deposits or withdrawals during the monthly statement cycle; otherwise they are provided quarterly.2

  • Min. Opening Deposit

    $100 / $1.00 for minors

  • Interest Paid

    Compounded Daily - View Rates

  • Minimum Balance

    $300 daily balance2 OR at least one monthly electronic deposit2 of $25 or more. (Requirements waived for minors)

  • Check Writing Privileges


  • Transactions

    • Up to 3 withdrawals or transfers per month, including Commerce ATM withdrawals; $2.00 for each additional transaction
    • Free access to funds through any Commerce ATM, our 24-hour Account Information Line and Online Banking


1 The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.

2 Daily balance means ending ledger balance in the account each day. You must maintain the $300 minimum daily balance every day of a month or have at least one electronic deposit of $25 or more during the month to earn interest and to avoid a service charge that month. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account.

Deposit Agreement & Disclosures