Checking Accounts

*Annual Percentage Yields (APYs) effective: April 03, 2025

There is no minimum balance requirement to earn the APY. Rate(s) may change after account is opened. Fees could reduce earnings on the account.

1. Message and data usage fees apply; check with your wireless or VoIP provider for more information.
2. My Savings Accelerator is offered through invitation for qualifying accounts.
3. Fees may apply for External Transfers, depending on the speed of the transaction.
4. View Overdraft Grace Period for details.
5. Overdraft services require separate enrollment. There is no charge until the service is used.
6. The FDIC protects the money depositors place in insured banks. Each depositor is insured to at least $250,000 per insured bank. To look up your account’s FDIC protection, use the FDIC Electronic Deposit Insurance Estimator link opens in a new window.. 
7. Service sold separately. To be eligible for Commerce ID Recover and Commerce ID Monitor, you must have a Commerce personal checking account, reside in the United States or its territories, and be a legal adult in your state of residence. The Service applies to the Commerce personal checking account holder and the spouse or domestic partner (a person who, although not legally married to the registered Customer, has cohabitated with the Customer for a period of at least one (1) year and is publicly represented as the Customer’s domestic partner in the community in which they reside), dependent children under the age of 21 who live with the Customer and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.
8. Commerce ID Recover is $5.49 per month; Commerce ID Monitor is $12.99 per month.
9. 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.
10. Minimum Balance to Avoid Service Charges: During the statement cycle you must have at least one direct deposit of $500 or more OR maintain a daily balance of $1,000. Daily balance means the ending ledger balance in the account each day. You must maintain the minimum daily balance every day of the monthly cycle.
11. 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.
12. Get a $50 Visa® Reward Card for every friend and family member you refer to open and use a new Commerce personal checking account, up to $500. Terms & Conditions apply and are available at www.referlive.com/commercebank link opens in a new window..
13. Initial value load fee: $5.95. Secondary/Additional card: $2.00. Load, spending and withdrawal limits apply. Review mySpending Card^® for fees, limits and details. Minimum load amount: $10, unless funds are loaded by direct deposit or other ACH transaction.

Deposit Agreement & Disclosures

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