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Benefits Banking for Missouri State Teachers Association

Personal banking that works for you.

Benefits Banking

Benefits Banking image

You chose a great place to work. Now choose the best place to bank. Missouri State Teachers Association and Commerce Bank have teamed up to offer you discounted and premium rate services through Benefits Banking1. Receive extra benefits at no extra cost!

About Benefits Banking

All Commerce Benefits Banking accounts include:

  • A Commerce Bank checking account
  • Free Online Banking and Online Bill Pay2
  • Free Mobile Banking3 and Alerts
  • Free Visa® Debit Card
  • Overdraft Protection options
  • Identity Theft Services available
  • Plus much more![PDF]

And because everyone has different financial needs, Benefits Banking offers you 2 levels of checking options: Select or Premium. Choose the level that's right for you!





$6 monthly maintenance fee can be waived with a monthly direct deposit OR a combined balance of $1,500 in Commerce checking, savings and money market accounts $15,000 deposits5 and loans6 combined OR Commerce Mortgage OR $100,000 brokerage balance7 OR $15/month

Interest Bearing

- - YES, at preferred rate


FREE, first order single/wallet style Commerce Globe checks FREE single/wallet style Commerce Globe checks and 50% off select personal check styles

Online Banking and Bill Pay

FREE FREE, including via Quicken

Debit Card

FREE Visa® Debit Card FREE Visa® Debit Card

Non-Commerce ATM Transactions8

- - FREE, including other banks´
ATM fees up to $6 per month

Personal Loans,
Fixed-Rate Home
Equity Loans9

- - 0.50% Rate Discount

myRewards Savings and Money Market10

YES, available YES, available

Learn more about the features of Benefits Banking[PDF].

Joining the Benefits Banking program is easy, and it only takes a few minutes.

Visit any Commerce Bank location, contact one of the Commerce Bankers below or send us an email for more information.




Amber Burger Cape Girardeau 573-986-7003
Dave Whelan Columbia 573-886-5322
Matt Edman Kansas City 816-234-7084
Karen Favor Joplin & Springfield 417-837-5255
Shanda Parrish St. Joseph 816-236-5801

What is Benefits Banking?

Benefits Banking is a voluntary employee benefit that provides you preferred personal banking choices of discounted and premium rate financial services, simply for being an employee of a participating company. Because your financial needs are different from your co-workers, Benefits Banking offers you a choice of 2 levels of valuable services — Select or Premium. The features for each of these service levels are detailed in the chart of Benefits Banking products and services.

Is Benefits Banking really a better value than what is offered to the public?

Yes! You are offered Benefits Banking at special pricing and these complete packages include the very best personal banking options that Commerce Bank offers. Benefits Banking is only available to employees of participating companies and is not available to the general public. Because of the value Commerce places on the relationship we have with your employer, we are able to offer Benefits Banking to you.

What if I already have a Commerce checking account?

Please contact Commerce to “upgrade” your account to take advantage of all the special financial services for which you are eligible. Your checking account number will not change and your banking relationship remains confidential. A Benefits Banking identifier will be added to your account so that we may assist you with your financial services at any of our Commerce Bank locations.

Do I have to choose one Benefits Banking level? What if my needs change?

Since everyone has different financial needs, you choose the Benefits Banking level based on what suits you. The account is designed to grow with you as your financial needs change. We would be glad to visit with you to help you determine which Benefits Banking level is right for you. If your financial needs change and you would like to change the level at which you participate, all you have to do is contact us.

Who do I contact if I have questions or would like to enroll in Benefits Banking?

Commerce Bankers are directly assigned to a Benefits Banking company to help employees with their financial needs. Direct contact information is provided so you may contact them by telephone, e-mail or in person. You may also visit any Commerce Bank location.


  1. Benefits Banking is available to employees of participating companies.

  2. One free Online Bill Pay account per household.

  3. Your mobile carrier´s text messaging and web access charges may apply.

  4. Combined balances or qualifying direct deposits must be maintained by the person whose name appears first on the account. Qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle date each month. Monthly service charge waived for first 60 days after new account opening. The 60-day grace period does not apply to existing or converted accounts.

  5. Qualifying deposits include personal checking, savings, money market, CDs, and retail IRAs. Business accounts do not qualify.

  6. Qualifying loans include personal loans and home equity loans or lines of credit. Business loans do not qualify.

  7. Qualifying brokerage balances include cash and securities that appear on the Commerce Brokerage statement. Brokerage services provided or reported through third parties are excluded.

  8. Transactions must be from primary checking accounts. We will automatically refund the ATM fees of other banks located in the U.S., up to $30 per calendar month on Benefits Banking Premium accounts only. All Commerce Bank ATM transactions are free.

  9. Personal loan rate discount assumes automatic payment from your Commerce checking account. Mortgages and dealer loans are not eligible to receive personal loan discounts. Only one additional .25% discount available per loan, for refinancing of a non-Commerce loan or credit card. Loans and credit cards subject to credit approval. Insurance must be carried on property securing home equity loans. When choosing a Benefits Banking Premium checking account and a corresponding credit card, you automatically receive debit functionality and ATM access with your credit card product.

  10. Requires Benefits Banking Select or Premium checking account.

All rates subject to change; see your Commerce banker for rate details.

Refer to your Commerce Fee Schedule for calculation of interest and other fees to which Benefits Banking may be subject.

†  To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.

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