How To Apply

  Apply Online >  

CommerceOptionsSM Premium

Our highest level of relationship benefits.

Get even more rewards from your combined checking, savings, money market, CD, loan and investment accounts with a CommerceOptions Premium checking account.

  • No monthly service fee with minimum balance; $20 per month if balance not met1
  • Minimum balance:  $20,000 in combined deposits and loans or a Commerce mortgage or $100,000 in a Commerce brokerage account2
  • $100 minimum opening deposit



Saving and Investing:

  • myRewards Savings: Make deposits for 11 consecutive months and we’ll make your deposit in the 12th month – up to $50 per account6
  • myRewards Money Market: Get a 0.5% cash bonus – up to $200 – on your savings balance7
  • Premium rate on Premium Money Market Accounts and Certificates of Deposit*
  • 30% discount on broker-assisted equity trades8,‡
  • FREE online access to investment accounts9,‡
  • FREE financial planning consultation


Want to learn more?


  1. Monthly service charged waived for first 60 days after new account opening. This 60 day grace period does not apply to existing or converted accounts.
  2. Qualifying deposits include personal checking, savings, money market, CDs, and retail IRAs. Business accounts do not qualify. Qualifying loans include personal loans and home equity loans or lines of credit. Business loans do not qualify. Qualifying brokerage balances include cash and securities that appear on the Commerce Brokerage statement. Brokerage services provided or reported through third parties are excluded. Qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle date each month.
  3. Personal loan rate discount offered for automatic payment from your CommerceOptions checking account. Mortgages and dealer loans are not eligible to receive personal loan discounts.
  4. Additional refinancing discount is limited to one discount per new installment loan and is not applicable to Commerce credit card or loan account payoffs. Loans and credit cards subject to credit approval.
  5. Limited time offer available on new Home Equity lines of credit for customers with automatic payments from a CommerceOptions Plus or Premium checking account.  Subject to credit approval.  Rates are subject to change.  Insurance must be carried on property securing home equity loans.
  6. To qualify for the annual matching deposit Reward, you must make 11 consecutive monthly deposits and 4 or fewer withdrawals per year, per myRewards Savings account. Total matching Reward 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 $50 per account, maximum total matching Reward $100 per year. Reward credited annually starting in the 12th month after the first deposit. Annual Percentage Yield as of 9/26/2016 is 0.03%. Incentive of $10 or greater reported as interest to the IRS.
  7. We will pay an annual Reward of 0.5% of the average collected month end balance in your myRewards Money Market account for the previous 12 months, up to a maximum of $200. Reward credited the 13th month after account anniversary, and annually thereafter. Annual Percentage Yield as of 9/26/2016 is 0.03%. Incentive of $10 or greater reported as interest to the IRS.
  8. $1,000 minimum investment required to establish a Commerce Brokerage Services, Inc. account
  9. Commerce Brokerage online account access is required to receive investment research. Investment research is provided by an unaffiliated service whose opinions and recommendations are solely their own and does not constitute an offer or recommendation to buy or sell by Commerce Brokerage Services, Inc.
  10. Safe deposit box subject to availability.
  • Commerce reserves the right to restrict or change
  • Benefits provided by Commerce Brokerage Services, Inc., Member FINRA/SIPC, a wholly owned subsidiary of Commerce Bank. Investment Products: Not FDIC-Insured – May Lose Value – No Bank Guarantee
  • 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.
  • Deposit Agreement & Disclosures