Checking Accounts

Disclosures:

1. Message and data usage fees apply; check with your wireless or VoIP provider for more information.
2. Fees may apply, depending on the speed of the transaction.
3. Must activate Online Banking and sign up for paperless statements to get free monthly paperless statement. Fee for other statement options waived for the first 60 days after new account opening. This 60-day grace period does not apply to existing or converted accounts.
4. 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.
5. 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.
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. Free paper statements are available with Commerce Free Checking and CommerceRelationship Checking accounts. All available statement types are free for CommerceRelationship Checking accounts.
8. Restrictions and limitations apply.
9. See Overdraft Grace Period page for details.
10. Overdraft Services allow you to minimize the fees and inconvenience caused by unexpected Overdrafts. Choose Overdraft Transfer (from a linked Commerce deposit account) or Check Plus Overdraft Protection (cash advance from a Commerce credit card). There is no charge until the service is used.
11. Commerce will not charge you for ATM transactions made at non-Commerce ATMs. Other banks’ fees will be refunded up to $10 per calendar month. Transactions must be from your CommerceRelationship checking account.

*Premier membership requires $100,000 in combined checking, savings, money market, CD and brokerage balances with a Commerce Bank checking account.

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Deposit Agreement & Disclosures