Commerce checking built around you
Get paid sooner, send money easily, and manage your money in one place.
Money comes in, bills go out, and everything in between needs to be easy to manage.
Commerce checking is built for that. A straightforward account that helps you stay on top of your money without adding extra steps or complexity.
Commerce checking built around you
Get paid sooner, send money easily, and manage your money in one place.
Money comes in, bills go out, and everything in between needs to be easy to manage.
Commerce checking is built for that. A straightforward account that helps you stay on top of your money without adding extra steps or complexity.
Explore your options and choose the checking account that best fits your needs:
Free. Flexible.
Commerce Free
Checking
Manage your essential spending needs with your FREE checking account.
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Minimum deposit
to open: $25 - Monthly service fee: $0
Amplified. Advantages.
CommerceRelationship Checking
Earn interest and increased perks for carrying larger balances.footnote 1
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Minimum deposit
to open: $100 -
Monthly service fee:
$22 or waivedfootnote 2
Find the Commerce Checking account that's right for you. Apply Now for Relationship Checking
Open a bank account online and enjoy the benefits!
Whatever account option you choose, with a Commerce Bank Checking Account, you’ll have access to:
Mobile Banking App With more than 130,000 reviews and a 4.7 star rating, enjoy online banking with the Commerce Bank Mobile App.
Early Payfootnote 3 Receive qualifying direct deposits up to two days early.
My Savings Acceleratorfootnote 4 Tools like SmartSave and Round Up to simplify saving.
Zelle®footnote 5 and External Transfers,footnote 6 Send money to friends and family or transfer funds externally.
Disclosures:
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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.
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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.
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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.
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My Savings Accelerator is offered through invitation for qualifying accounts.
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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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Fees may apply for External Transfers, depending on the speed of the transaction.
