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Checking Accounts

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Flexible. Convenient. Benefits.

Find the Commerce Checking account that's right for you. Open a checking account


Commerce Bank Checking Account Options

Manage your day-to-day spending, pay bills, receive direct deposit of your paycheck, and withdraw cash from an ATM with the Commerce Checking account that’s right for you.

Questions about which account is right for you?

Challenge Accepted.®

Help me decidewhich Commerce Checking account is right

800-453-2265

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mySpending Card®

Use the flexibility of this reloadable prepaid debit card to balance your budget, spend more safely while traveling, or to manage your child’s expenses.9 mySpending Card® may be purchased online by Commerce Bank customers or by visiting your local branch.

Order a mySpending Card®   Learn more about mySpending Card

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Identity Theft Services: Commerce ID Recover, Commerce ID Monitor

Protecting your identity is more important than ever. Our ID Theft tools support you if identity fraud occurs and work to help you recover quickly.4,5

We're here when you need us.

We may be nearly 160 years old, but we're always working to best support our customers' needs. We're here to help you bank where, when and how you would like — whether that's online, on mobile, over the phone, or in person.
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Disclosures:

  1. Message and data usage fees apply; check with your wireless or VoIP provider for more information.
  2. Fees may apply for External Transfers, depending on the speed of the transaction.
  3. See Overdraft Grace Period for details.
  4. 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.
  5. Commerce ID Recover is $5.49 per month; monthly fee is waived for CommercePremier Members. Commerce ID Monitor is $12.99 per month; fee is $6.49 per month for CommercePremier Members.
  6. 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.
  7. 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.
  8. 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.
  9. 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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