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Checking Accounts

Options that keep you flexible.

Manage your basic banking needs with this FREE simple checking account. Get access to Mobile Banking and Online Banking, as well as a Visa® Debit Card to make free Commerce ATM transactions.

Earn interest while managing your everyday banking with this checking account. All checking products have access to special savings products, Mobile Banking and a Visa® Debit Card.

Earn higher interest rates for carrying larger balances in your accounts. In addition to the free services offered through all of our checking products, you can also take advantage of special perks, unique to this account.

Instead of a checking account, use this reloadable prepaid card to keep track of everyday expenses or set up your child’s allowance.

An exclusive, preferred banking program for individuals with more than $100,000 in combined checking, savings, money market, CD and brokerage balances with a Commerce Bank checking account. Experience dedicated support and personalized benefits.

Compare Our Account Options


Commerce Free

Open an account for Commerce Free Checking

CommerceInterest Checking

Open an account for Commerce Interest Checking

CommerceRelationship Checking

Open an account for Commerce Relationship Checking

mySpending Card®

Order a mySpending Cardfor mySpending Card®
Free Online Banking
Free Online Bill Pay  
Free Mobile Banking1
External Transfers2  
Text and Email Alerts1
Free Standard Checks      
Free Paperless Statements3
Monthly Service Fee $0 $11 $22 $0
Waive the Service Fee N/A At least one $500 or more direct deposit OR daily balance of $1,000 in each statement cycle4 $5,000 average daily balance in this account OR $15,000 in combined deposit balances (checking, savings, money market, CD and retail IRA balances)5 One-time fee of $5.95
Interest Bearing6    
Free Paper Statements7    
Free Mobile Deposit8  
Overdraft Grace Period9  
Overdraft Services10  
Free Commerce ATMs
Free ATMs nationwide, plus we'll refund other banks' fees up to $10/month11      
Eligible for CommercePremier Program when requirements are met*  
Eligible for myRewards Savings and Money Market accounts  
Commerce ID Recover $5.49/month  
Commerce ID Monitor $12.99/month  
  Open an account for Commerce Free Checking
Open an account for CommerceInterest Checking
Open an account for CommerceRelationship Checking
Order a Commerce Bank mySpending Card®

View our checking account options. Open a checking account

Questions about which account is right for you?

We're here to help you make the best choice. Just give us a call.


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  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.

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.

Deposit Agreement & Disclosures