Limited-time offer. Offer and promo code are only valid for recipients residing in the counties of Denver, Arapahoe, and Jefferson. This offer cannot be combined with any other checking offers or promotions. Only one offer per household. To qualify for one of the below bonuses: a) You must provide the promo code Denver326 at the time of account opening; and b) Your new Commerce Bank checking account must be opened between March 20, 2026 and May 19, 2026.

$300 bonus (Debit Card purchases): In addition to #1, by August 17, 2026, you must complete at least 10 purchases using your associated debit card and have a balance of at least $300 in your account after all transactions, fees and charges have been applied at the end of nightly processing. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions.

—OR—

$300 or $700 bonus (Direct Deposit totals): In addition to #1, by August 17, 2026, account holder(s) must have one or more direct deposits post to the account, totaling $3,000 to $4,999.99 for a $300 bonus; or totaling $5,000 or more for a $700 bonus. To qualify, direct deposits must be a recurring, electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle^®) are not considered direct deposits.

Commerce Bank will determine whether all requirements for the bonus have been met by August 17, 2026. If you have completed all the above requirements and your account remains open, your bonus will be paid September 14, 2026, by crediting your Commerce personal checking account. You will be eligible for only one of the bonus offers. Maximum total bonus $700. The bonus will be reported as interest to the IRS. Commerce Bank reserves the right to determine eligibility for offer using Commerce Bank’s records. 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 for CommerceInterest and CommerceRelationship checking accounts. To avoid a $12 monthly service fee for the CommerceInterest checking account,the primary account holder must have at least one $500 or more direct deposit OR maintain a daily balance of $1,000 during the statement cycle. To avoid a $22 monthly service fee for 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) during the statement cycle. The Annual Percentage Yield (APY) for Commerce Free Checking is 0.00%, CommerceInterest and CommerceRelationship Checking is 0.01%, as of March 1, 2026. There is no minimum balance requirement to earn the APY. Rate may change after account is opened. Fees could reduce earnings on the account.

Earn an additional $200 reward when you open any new Commerce Bank personal checking account in a branch location with a Commerce banker. If the account is opened online, you will not be eligible for the additional $200. You must complete all qualifying activities for the debit card or direct deposit bonus offer in order to be eligible for the additional $200 reward. Maximum total reward $900.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ending collected balance in the account each day. Interest rate and annual percentage yield may vary. We may change the interest rate at any time at our discretion. Fees could reduce earnings on your account. When your collected balance is greater than $1,000, you may earn a higher rate of interest.

Minimum Balance to Avoid Service Charges: $5,000 average daily balance in this account OR $15,000 in combined deposit balances (checking, savings, money market, CD and retail IRA balances). Average daily balance means the ending ledger balance in the account each day, divided by the number of the days in the month. You must maintain the minimum average daily balance for the monthly cycle. The person listed first on the account must maintain the balances shown. Qualifying deposit accounts include personal checking, savings, money market and CDs. Business accounts do not qualify. Combined balances are determined by using the actual balance on the day prior to the checking account statement cycle date each month.

You may receive a direct deposit up to two days early with Early Pay if you have 1) a checking or savings account or prepaid card with us, and 2) a recurring qualifying direct deposit to that account. Qualifying direct deposits may include a recurring ACH deposit of less than $10,000.00 for payroll, Social Security or other government benefits, or pensions. Early Pay is automatic and there is no fee. Please visit the Commerce Bank Deposit Agreement and Funds Availability Policy for more details.

My Savings Accelerator is offered through invitation for qualifying accounts.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used here in under license.

Fees may apply for External Transfers, depending on the speed of the transaction.