Small Business Checking Options

Your banking needs aren’t the same as the business down the street. This is why Commerce offers a variety of small business checking account options, allowing you to bank how you want to bank.

With Small Business Online Banking, you can manage your money anywhere, at any time. And if you’d like personal assistance, we have more than 150 full-service branches throughout the Midwest, as well as hundreds of conveniently located ATMs when you need quick access to cash.

Trends & Insights

What to consider in a business checking account

Commerce Bank has developed a variety of small business checking accounts to match the way you bank.

Assistance Home Care: Helping Families Navigate What Comes Next.

With multiple “Best Place to Work” accolades from Fortune magazine under their belt, the Serfases were positioning Assistance Home Care to be among the leading home care companies in the country.

Creating a clear vision to meet your financial goals.

There are three important areas that we recommend evaluating when cutting costs and looking for new revenue opportunities.

Small Business Options^SM Checking

Business people sitting at a table reviewing documents

$25 monthly fee waived when requirements met¹
Up to 300 free transactions per month²
Designed for established small businesses with moderate to high transaction volume and borrowing needs

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myBusiness Select Checking

Business owner looking at tablet inventory

$9 monthly fee waived when requirements met³
Up to 150 free transactions per month⁴
Best for businesses with light to moderate transaction volume. This option combines the balances in your Commerce Bank business and personal deposit accounts to provide valuable benefits.

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myBusiness Checking

No minimum balance required and $5 monthly fee waived when partnered with a personal checking account⁵
Up to 25 free transactions per month⁶
Ideal for businesses or organizations with limited transaction needs

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Premium Fund Trust Account

Business team meeting in large office space

$15 monthly fee waived when partnered with a Small Business checking account⁷
No transaction fees⁸
This option is specifically tailored for insurance agents to help them manage the collection of insurance premiums

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If a Commerce checking account was good enough for my previous employer, which is the largest rental company in the world, it is good enough for my small business.”

Allen Serfas
Owner | Assistance Home Care

Disclosures:

$25 minimum to open. The monthly service charge of $25.00 is waived if the customer maintains total deposit balances of $25,000 (can include business and personal checking, savings and money market balances) OR maintains total loan balances of $25,000 OR maintains total combined deposit and loan balances of $40,000. Total loan balances may include outstanding balances in business loans, personal installment loans, home equity loans and home equity credit lines.
The first 300 transactions per statement cycle are free. These transactions include paper and domestic electronic (ACH) debits, credits and deposited items, Online Bill Pay-generated checks, Real-time Payments (RTP^®) and Zelle^® transactions. Additional transactions are $0.50 each. The Business Visa Debit Card product is free, and the purchase transactions made with the card do not count towards the account’s transactions limits. Transactions sent or received using CashFlow Complete are also excluded from the account’s transaction limits.
$100 minimum to open. The monthly service charge of $9.00 is waived if the customer maintains a $2,500 minimum daily balance (daily balance means the ending ledger balance in the account each day. Customer must maintain the minimum daily balance every day of the monthly cycle.) OR maintain total deposit balances (can include business and personal checking, savings and money market balances) of $5,000.
The first 150 transactions per statement cycle are free. These transactions include paper and domestic electronic (ACH) debits, credits and deposited items, Online Bill Pay-generated checks, Real-time Payments (RTP^®) and Zelle^® transactions. Additional transactions are $0.50 each. The Business Visa Debit Card product is free, and the purchase transactions made with the card do not count towards the account’s transactions limits. Transactions sent or received using CashFlow Complete are also excluded from the account’s transaction limits.
$100 minimum to open. The monthly service charge of $5.00 is waived if the customer maintains one of the following personal checking accounts: Commerce Free Checking, CommerceBasic Checking, CommerceInterest Checking, CommerceRelationship Checking, Benefits Banking Select, Premium or Private Options.
The first 25 transactions per statement cycle are free. These transactions include paper and domestic electronic (ACH) debits, credits and deposited items, Online Bill Pay-generated checks, Real-time Payments (RTP^®) and Zelle^® transactions. Additional transactions are $0.50 each. The Business Visa Debit Card product is free, and the purchase transactions made with the card do not count towards the account’s transactions limits. Transactions sent or received using CashFlow Complete are also excluded from the account’s transaction limits.
$100 minimum to open. The monthly service charge of $15.00 is waived if the customer maintains an open, qualified Small Business checking account which can include the following: myBusiness Checking, myBusiness Select Checking or Small Business Options Checking.
Transactions are free but will be restricted to Credits and Deposited items only. Debits will be allowed only from the parent insurance company.

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