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CommerceBasic Checking

Basic checking account

CommerceBasic Checking is a simple, basic checking account for your everyday banking needs. Connect your account to your favorite digital wallet, sign up for Mobile Banking and get free Commerce ATM transactions.

Open an account

What you get

CommerceBasic Checking is a convenient checking account with all the extras to bank when, where and how you want.

  • Free Mobile Banking1, so you can bank whenever and wherever you want

  • Free email and text Alerts1 to help you manage your account

  • 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.

  • Free Commerce ATM transactions with your Visa® Debit Card

  • Free Online Banking and Online Bill Pay

CommerceBasic Checking Details

  • Minimum deposit to open:


  • Monthly service fee:

    $8 if following requirement is not met

  • Bank without the monthly fee!

    During the statement cycle there must be: at least one direct deposit of $300 or more, or 10 debit card purchases3

  • Other fees:

    Free Paperless Statement. Paperless Statement with Images $1 per month, Paper Statement $3 per month, Paper Statement with Images $4 per month4

Open a CommerceBasic Checking Account

Not sure if CommerceBasic Checking is right for you?

Simplify your decision with an easy side-by-side comparison.

Compare Accounts

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

Find a branch  800-453-2265

Refer a friend

$50 for you and $50 for your friend.

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

Click to learn more about temporarily locking your misplaced credit card Refer now


  1. Message and data usage fees may apply; check with your wireless or VoIP provider for more information.

  2. Fees may apply, depending on the speed of the transaction.

  3. Includes all transactions to purchase goods and services using a debit card, regardless of whether you sign or enter a PIN. PIN-based purchases with a Connections 24 ATM card or a Special Connections® credit card that result in a debit to your account are also counted. The number of debit card purchases is at the account level. If you add a joint account holder and both have debit cards, the number of debit card purchases will be the total purchases between both cards. ATM transactions are excluded.

  4. 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.

 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

Deposit Agreement & Disclosures