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Open a new CommerceRelationship Checking account


New Columbia area customers: Open a CommerceRelationship Checking account and complete the offer steps to qualify for a $500 bonus1.

Apply Online

Here’s how to get your $500 bonus1!

1. New Columbia area customers: Click “Apply Online” button to open a CommerceRelationship Checking account with $100 by April 30, 2021.
2. Make 10 debit card purchases within 60 days.
3. Have at least $2,500 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 $500 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 CommerceRelationship 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 $2,500 (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 CommerceRelationship Checking account. Maximum total bonus $500. 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. Monthly service charge waived for first 60 days after new account opening. This 60-day grace period does not apply to existing or converted accounts. To avoid a $20 monthly service fee on the CommerceRelationship Checking account, the primary account holder must maintain a $5,000 average daily balance in that account OR $15,000 in combined Commerce deposit account balances (checking, savings, money market, CDs, and IRAs). The annual percentage yield for CommerceRelationship Checking is 0.01%, as of 1/28/2021. There is no minimum balance requirement to earn the APY. Minimum opening deposit $100. Rate may change after account is opened. Fees could reduce earnings on the account.