Small Business OptionsSM Checking

Use the balances in your business and personal accounts to gain valuable benefits.

Checks

  • 50% off first check order
Check Card and ATM
Transactions
  • Free unlimited electronic transactions, including ACH, debit, automatic deposit, Small Business Online Banking, and Commerce Bank ATM
  • Up to 200 paper transactions per month4
Online Services
Additional Features
  • No merchant card set-up fees (first location only)
  • Reduced rates on small business loans5
  • Premium rates on business money market account6
Statement Options
  • Check Safekeeping Statement – Free
  • Check Image Statement – Free

How do I qualify?

  • Simply combine your personal and business account and loan balances
  • There are 3 ways to qualify:
    1. Maintain Total Account Balance of: $25,000
      (includes business and personal checking, savings, money market, CDs and consumer IRA balances)
    2. Total Loan Balances of: $25,000
      (includes outstanding balances in business loans, personal installment loans, home equity loans and credit lines.)
    3. Combined Deposit and Loan Balances of: $40,000
      (Includes all balances in your personal deposits, business deposits, plus your outstanding balances in business and personal loans.)

Disclosures:

  1. $25,000 total deposit balances or $25,000 total loan balances or $40,000 total combined deposit and loan balances. $25 service charge each month minimum combined balance requirement is not met.
  2. One free Online Bill Pay account per Options household.
  3. Three free Non-Commerce ATM transactions per month on Business Visa® Check Card. Non-Commerce ATM transactions must be made from primary checking account and other banks' ATM fees may apply.
  4. $0.25 per item over 200 transactions.
  5. Loan rate discount offered for automatic payment from your Commerce checking account. Please ask about CommerceOptions for more details.
  6. On balances greater than $10,000; premium rate on balances above $100,000
  • 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.