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Checking Accounts

Open your bank account online

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.®

My Savings Accelerator makes saving simple.

Knowing how to save — or even how much you can save — can be challenging. But with My Savings Accelerator tools like SmartSave and Round Up, you can take control of your strategy, remove the guesswork, and make saving effortless. Best of all, there’s no fee to use SmartSave or Round Up.

Stop wondering and start saving toward your goals with My Savings Accelerator tools from Commerce Bank.

Learn more about My Savings Accelerator

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$50 for you and $50 for your friend.

Earn up to $500 in Visa® Reward Cards when you refer friends and family.10

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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


  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.
  10. 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 link opens in a new window..

Deposit Agreement & Disclosures

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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