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Open a new Commerce Free Checking account


New Columbia area customers: Open a Commerce Free Checking account and complete the offer steps to qualify for a $200 bonus1.

Apply Online

Here's how to get your $200 bonus1!
1. New Columbia area customers only: Click “Apply Online” button above to open a Commerce Free Checking account with $25 by April 30, 2021.
2. Make 10 debit card purchases within 60 days.
3. Have at least $25 in your account at the end of daily processing 60 days after account opening
4. Watch for your bonus coming to you!


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  1. Limited time offer. Available only to residents of these counties in Missouri: Boone, Howard, Randolph, Monroe, Audrain, Calloway, Cole, Moniteau and Cooper. Only one offer per household. To qualify for the $200 bonus: a) You must complete at least 10 PIN Point of Sale or signature-based purchases using your associated debit card within 60 days of account opening. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions. Transaction must post to the account within the 60-day period; b) Your Commerce Free Checking account must be opened and funded by April 30, 2021; c) 60 days after account opening, the account must have a minimum balance of $25 (or the next business day, if 60 days falls on a weekend or bank holiday). The balance will be verified after all transactions, fees and charges have been applied at the end of daily processing; and d) You must be a new customer, meaning one who has not owned a Commerce Bank deposit account in the 60 days prior to account opening. We will determine whether all requirements for the bonus have been met 60 days after account opening (or the next business day, if 60 days falls on a weekend or bank holiday). If you have completed all of the above requirements, your bonus will be paid within 8 weeks by crediting your Commerce Free Checking account. Maximum total bonus $200. The bonus will be reported as interest to the IRS. Commerce Bank reserves the right to determine eligibility for offer, and offer may be revoked, restricted, or changed at any time at Commerce Bank’s sole discretion. Annual percentage yield 0.00%. Fees could reduce earnings on the account.