Compare Checking Accounts.
Find the Commerce checking account that works for you.
Whether you are paying bills or managing your money on the go, Commerce Bank offers checking options designed to support your day.
Open a Checking Account Help Me Decide opens in a new windowCompare Checking Accounts.
Find the Commerce checking account that works for you.
Whether you are paying bills or managing your money on the go, Commerce Bank offers checking options designed to support your day.
Open a Checking Account Help Me Decide opens in a new windowCompare Commerce checking account options.
Commerce Free
Open Commerce Free Checking |
CommerceInterest
Open CommerceInterest Checking |
CommerceRelationship
Open CommerceRelationship Checking |
|
|---|---|---|---|
| MONEY MANAGEMENT | |||
| Free Online Banking | |||
| Free Online Bill Pay | |||
| Commerce Bank Mobile App1 footnote 1 | |||
| Zelle® and External Transfers2 footnote 2 | |||
| Text and Email Alerts1 footnote 1 | |||
| Free Standard Checks (Initial Order Only) | |||
| Free Paperless Statements3 footnote 3 | |||
| AVAILABLE FEATURES AND FEES | |||
| Monthly Service Fee | $0 | $12 | $22 |
| Deposit or Minimum Balance Requirement to Waive the Service Fee | N/A | At least one direct deposit $500 or more OR daily balance of $1,000 in each statement cycle4 footnote 4 | $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 footnote 5 |
| Interest Bearing6 footnote 6 | |||
| Early Pay | |||
| Free Paper Statements7 footnote 7 | |||
| Free Mobile Deposit8 footnote 8 | |||
| Overdraft Grace Period9 footnote 9 | |||
| Overdraft Services10 footnote 10 | |||
| Free Commerce ATMs | |||
| Free ATMs Nationwide, Plus We'll Refund Other Banks' Fees Up To $10/month11 footnote 11 | |||
| BENEFITS BEYOND CHECKING | |||
| Commerce ID Recover12 footnote 12, 13 footnote 13 $5.99/month | |||
| Commerce ID Monitor12 footnote 12, 13 footnote 13 $12.99/month | |||
How to choose the right checking account.
Everyone manages their money a little differently. The right checking account depends on how you choose to use it.
- Choose Commerce Free Checking if you want a simple option with helpful banking tools and no additional fees.
- Choose CommerceInterest Checking if you keep balances in your account and want the opportunity to earn interest.
- Choose CommerceRelationship Checking if you maintain higher balances and want access to earning interest and added benefits.
Commerce Free Checking
A simple, easy-to-use checking account designed to fit seamlessly into your daily routine.
- No monthly service fee
- Great for daily spending, debit card purchases and bill payments
- Convenient access to online and mobile banking, or visit a branch
CommerceInterest Checking
A checking account for customers who tend to keep balances and want their money to do more.
- No monthly service fee
- Earn interest on qualifying balances
- Monthly fee can be waived with qualifying activity
CommerceRelationship Checking
An enhanced checking option designed for customers with higher balances.
- Built for customers with higher average balances
- Earn interest on qualifying balances
- Monthly fee waived with qualifying balances
Looking for a simple, no-fee checking account?
If you want an easy way to manage daily spending, Commerce Free Checking is a great place to start. With no monthly service fee, it’s built to support everyday spending, paying bills and handling your money without unnecessary complications.
What do all Commerce checking accounts include?
No matter which checking account you choose, you’ll have the tools you need to confidently manage your money every day:
- Mobile app
- Early Pay
- Zelle®footnote 14 and external transfersfootnote 2
- Debit card access
- Bill Pay
- Direct Deposit
- Online Banking
- Overdraft servicesfootnote 10
Checking account comparison FAQs
What’s the difference between free checking and interest checking?
Free checking focuses on simplicity with no monthly service fee, while interest checking offers the ability to earn interest.
Can I open a checking account online?
Yes, eligible checking accounts can be opened online.
Which checking account is best for everyday use?
Many customers choose Commerce Free Checking for everyday banking because it provides straightforward access to their money with no monthly service fee.
Can I switch checking accounts later?
Yes. You can change your checking account if your needs or financial habits change over time.
Are there ways to avoid monthly service fees?
Yes. Some Commerce checking accounts offer fee waivers when balance or activity requirements are met.
Helpful resources for selecting a checking account option.
Ready to open a checking account?
Choose a Commerce checking account and get started with everyday banking that fits your lifestyle.
Disclosures:
*Annual Percentage Yields (APYs) effective: June 16, 2026
There is no minimum balance requirement to earn the APY. Rate(s) may change after account is opened. Fees could reduce earnings on the account.
- Message and data usage fees apply; check with your wireless or VoIP provider for more information.
- Fees may apply for External Transfers, depending on the speed of the transaction.
- Must activate Online Banking and sign up for paperless statements to get free monthly paperless statement.
- 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.
- 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.
- 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.
- 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. Free paper statements are available with Commerce Free Checking. All available statement types (paper and paperless, with or without images) are free for CommerceRelationship Checking accounts.
- Restrictions and limitations apply.
- View Overdraft Grace Period for details.
- 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.
- 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.
- 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.
- Commerce ID Recover is $5.99 per month. Commerce ID Monitor is $12.99 per month.
- Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used here in under license.
Deposit Agreement & Disclosures
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