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  • Money Management
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Free Standard Checks
  • Free E-Statements
    Manage your account with an electronic copy of your statement via Online Banking. Up to 7 years of statements are easily accessible online and each month we will let you know when your E-Statement is available in Online Banking. You must activate Online Banking and sign up for E-Statements to get free monthly E-Statements. There is a fee for E-Statement with Images, Paper Statement and Paper Statement with Images for Build Your Own Checking, myRewards Checking and myDirect Checking. Statement fees waived for first 60 days after new account opening. This 60-day grace period does not apply to existing or converted accounts. All statement types are free for CommerceOptionsSM Checking accounts.
  • Available Features and Fees
  • Waive the Service Fee

  • Interest Bearing
    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.
  • Free Paper Statements
    Free paper statements are available with CommerceOptionsSM Plus and CommerceOptionsSM Premium Checking accounts. Choose Paper Statement or Paper Statement with Images. E-Statement and E-Statement with Images are also free for these checking accounts.
  • Mobile Deposit – $0.50 each
    Fees may apply. The fee is $0.50 for each mobile deposit and may change at any time. Please refer to the Commerce Bank Mobile Banking App for more information. Message and data usage fees may apply; check with your wireless or VoIP provider for more information.
  • Overdraft Services
    Overdraft Services allow you to minimize the fees and inconvenience caused by unexpected Overdrafts. Choose Overdraft Transfer (from a linked Commerce deposit account) or Check Plus Overdraft Protection (cash advance from a Commerce credit card). There is no charge until the service is used.
  • Free Commerce ATMs
    Commerce Bank’s Automated Teller Machine (ATM) Network provides immediate access to your funds at more than 350 ATMs in Missouri, Kansas, Illinois, Oklahoma and Colorado. Transactions made at Commerce ATMs are free of charge. You can also use ATM locations worldwide displaying the network logos on the back of your card. These non-Commerce ATM transactions are subject to a $2.75 fee for each. Other banks’ fees may apply.
  • Free ATMs Nationwide Plus we’ll refund other banks’ fees up to $6/month!
    Commerce will not charge you for ATM transactions made at non-Commerce ATMs. Other banks’ fees will be refunded up to $6 per calendar month. Transactions must be from your CommerceOptionsSM Premium checking account.
  • Monthly Service Fee
  • Benefits Beyond Checking
  • Safe Deposit Box Discount
    Free 3" x 5" safe deposit box or equivalent annual credit toward a larger box. Safe deposit box subject to availability.
  • Loan Rate Discount*
    *Amount of discount varies for CommerceOptionsSM Plus and Premium checking accounts. Personal loan rate discount offered for automatic payment from your CommerceOptionsSM checking account. Mortgages and dealer loans are not eligible to receive personal loan discounts. Additional refinancing discount is limited to one discount per new installment loan and is not applicable to Commerce credit card or loan account payoffs. Limited time offer available on new Home Equity lines of credit for customers with automatic payments from a CommerceOptionsSM Plus or Premium checking account. Loans and credit cards subject to credit approval. Rates are subject to change at any time. Insurance must be carried on property securing home equity loans.
  • Savings Rewards
    myRewards Savings
    To qualify for the annual matching deposit Reward, you must maintain a myRewards or other eligible checking account (Build Your Own, CommerceOptionsSM or Benefits Banking) and make 11 consecutive monthly deposits and 4 or fewer withdrawals during that period per myRewards Savings account. Total matching Reward is determined by adding the average monthly deposit during the previous 11 months for each myRewards Savings account, per household, per year, on up to 5 myRewards Savings accounts. Maximum matching Reward of $50 per account up to a maximum of $100 per household for all eligible accounts. Reward credited annually starting in the 12th month after the first deposit. Annual Percentage Yield is 0.02% as of 8/1/16 on balances of $1 or greater. Incentive of $10 or greater reported as interest to the IRS. Fees may reduce earnings. Reward may be discontinued at any time.

    myRewards Money Market
    To qualify for the annual Reward, you must maintain a myRewards or other eligible checking account (Build Your Own, CommerceOptionsSM or Benefits Banking). Commerce will pay you an annual Reward of a half percent (0.5%) of the average collected month-end balance for the previous 12 months, up to a maximum of $200 annually. Reward credited the 13th month after account anniversary. Annual Percentage Yield as of 8/1/2016 is 0.02%. Incentive of $10 or greater reported as interest to the IRS. Reward may be discontinued or changed at any time.
  • Family ID Restoration $2.95/month
    Family ID Restoration assists you and your family when someone uses financial or personal information without your knowledge and commits fraud, for example, by taking control of existing accounts or opening new accounts.
    • To be eligible for Family ID Restoration and ID Restoration Plus, 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 accountholder 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.
    • Identity Theft Event means the use of Customer’s name, address, Social Security number, bank or credit card account number, or other identifying information without Customer’s knowledge to commit fraud or other crimes.
  • ID Restoration Plus $8.95/month
    ID Restoration Plus offers Family ID Restoration services, plus additional, value-added features including proactive credit and internet monitoring for you and one designated household member.
    • To be eligible for Family ID Restoration and ID Restoration Plus, 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 accountholder 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.
    • Identity Theft Event means the use of Customer’s name, address, Social Security number, bank or credit card account number, or other identifying information without Customer’s knowledge to commit fraud or other crimes.
  • $500 Direct Deposit

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  • $8

  • $5,000 Deposits OR $10,000 Combined Deposits & Loans1 ($100 to open)

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  • $12

  • $20,000 Combined Deposits & Loans OR Commerce Mortgage OR $100,000 Brokerage1 ($100 to open)

  • $20

  • $0 As long as your account is active, you will be charged a fee only if you make a paper transaction or receive a paper statement2

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  • $0

  • $0

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  • $0