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Personal Savings Account

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

Interested in saving for a goal and earning rewards? Open a myRewards Savings account.

Min. Opening Deposit
  • $100 / $1.00 for minors
Interest Paid
Minimum Balance
  • $300 daily balance OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more (waived for minors)2
Monthly Service Charge
  • $3.00 (if balance not met; waived for minors)
Check Writing Privileges
  • No
  • Up to 3 withdrawals or transfers per month; $1.00 for each additional
  • Free access to funds through any Commerce ATM, our 24-hour Account Information Line and Online Banking
Online Services
  • Free Online Banking
  • Access electronic copies of your 1099 and certain other tax forms through Online Banking - View Tax Form FAQs
  • Order up to seven years of account statements and check images on CD-ROM
Statement Options
  • E-Statement - Free
  • Paper Statement - $2 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


  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.