Limited-time offer. To be eligible, recipients must not have owned a Commerce Bank checking account or received a previous checking bonus from us in the last 12 months prior to account opening. This offer cannot be combined with any other checking offers or promotions. Only one offer per household. To qualify: a) You must provide the promo code 200Digital826 at the time of account opening; b) Your new Commerce Free, CommerceRelationship, or CommerceInterest checking account must be opened between August 28, 2026 and October 27, 2026; c) You must complete at least 20 purchases using your new, associated debit card by February 1, 2027. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions. Commerce Bank will determine whether all requirements for the bonus have been met as of  February 1, 2027. If you have completed all the above requirements and your account remains open, your bonus will be paid on or before March 1, 2027, by crediting your new Commerce personal 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 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 August 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.

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 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 herein under license.

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