Free Checking Account.
Commerce Free Checking Account
A Commerce Free Checking account is built for everyday banking. No monthly service fees, simple account opening and the tools you need to manage your money with confidence.
Open your personal checking account online or visit a branch to get started.
Open an Account opens in a new window Explore FeaturesFree Checking Account.
Commerce Free Checking Account
A Commerce Free Checking account is built for everyday banking. No monthly service fees, simple account opening and the tools you need to manage your money with confidence.
Open your personal checking account online or visit a branch to get started.
Open an Account opens in a new window Explore Features
Commerce Free Checking account details.
- Minimum deposit to open: $25
- Monthly service charge: $0
- Minimum balance requirement: None
- FDIC insuredfootnote 1
Other fees, including overdraft fees, statement-related fees may apply.footnote 2
What you get with Commerce Free Checking:
Commerce Free Checking gives you the tools to manage your money day to day, without overcomplicating how you bank. Each tool is built to make everyday banking easier, clearer and more predictable.
Free Online Banking
Manage your account anywhere — check balances and review transactions online.
Commerce Bank Mobile Appfootnote 3
Take your banking anywhere with mobile deposits and account management.
Early Payfootnote 4
Get paid early with qualifying direct deposits.
Free Online Bill Pay
Schedule payments so you can stay on track without missing due dates.
Zelle®footnote 6 and External Transfersfootnote 7
Schedule payments so you can stay on track without missing due dates.
Overdraft Grace Periodfootnote 8
A short grace period to make deposits and avoid overdraft fees.
Visa® Debit Card with Tap to Payfootnote 5
Tap to Pay helps speed up everyday transactions without extra steps.
Free Commerce ATM Transactions
Convenient, fee free ATM access at Commerce locations.
My Savings Accelerator
Build better savings habits with automatic deposits.
Overdraft Servicesfootnote 9
Optional coverage for transactions when your account balance is low.
Commerce ID Recoverfootnote 10
Get support if your identity is compromised to help you recover faster.
Commerce ID Monitorfootnote 10
Stay informed about potential identity risks with ongoing monitoring.
What you can do with Commerce Free Checking:
With a Commerce Free Checking account, everything you need for everyday banking is in one place, so you can spend less time managing your money and more time using it.
Your money comes in, goes out and moves where you need it to, without extra steps or confusion. With a Commerce Free Checking account, you can:
- Get your direct deposit, like your paycheck or regular income, right into your account.
- Use your Visa® debit card with Tap to Pay for everyday purchases, whether you're in-store or online.
- Pay bills with Online Banking, with automatic payments so you don’t have to think about it.
- Send money to friends and family or transfer funds between eligible accounts when you need to.
- Withdraw cash or complete ATM transactions when cash is part of the plan.
- Deposit checks from your phone using our mobile app.footnote 3
- Check your balance and track your spending anytime with online access.
It’s a personal checking account designed to fit into your routine, so your everyday banking feels simple, clear and under control.
What is a free checking account?
Can I switch from another bank or credit union?
What are the best checking accounts for students?
What are the best checking account options with no monthly fees?
Can I open a free checking account online?
Do I need a minimum balance?
Is Commerce Free Checking right for you?
Commerce Free Checking may be a good fit if you are looking for a simple checking account for everyday banking.
Here are some reasons why this might be a good choice for you:
- You want a free checking account with no monthly fees.
- Prefer easy access to your money through a debit card and Mobile Banking.footnote 3
- Need a reliable account for direct deposit and bill payments.
- Want a straightforward bank account without a minimum balance requirement.
Alternatively, here are some reasons why you may want to compare other options:
- You want to earn interest on your balance.
- You maintain higher account balances.
- You’re looking for a high-yield savings account, certificate of deposit or investment account.
Compare Accounts
How to open a Commerce Free Checking account.
Opening a Commerce Free Checking account is designed to be straightforward.
You can open your account online in minutes or stop by a nearby branch and talk with a banker in person. All you need is a valid photo ID, like a driver’s license, passport or military ID. In some cases, you may also need a second form of identification, such as a debit or credit card with your name on it.
Once your identity is verified, you can fund your account with a transfer, cash deposit or check and start using your account right away for everyday banking.
Questions about checking accounts? Start here.
Built better. So you can bank better.
From paying bills to building savings, Commerce Free Checking has the tools to keep up with your life.
Built better. So you can bank better.
From paying bills to building savings, Commerce Free Checking has the tools to keep up with your life.
Disclosures:
- The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.
- 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.
- There is no fee to use Mobile Banking. Message and data usage fees may apply; check with your wireless or VoIP provider for more information.
- You may receive a direct deposit up to two days early with Early Pay if you have 1) a checking or savings account with us, and 2) a recurring qualifying direct deposit to that account. Qualifying direct deposits may include a recurring ACH deposit of less than $10,000.00 for payroll, Social Security or other government benefits, or pensions. Early Pay is automatic and there is no fee. Please visit the Commerce Bank Deposit Agreement and Funds Availability Policy for more details.
- The Contactless Symbol and Contactless Indicator are trademarks owned and used with permission of EMVCo, LLC.
- Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
- Fees may apply for External Transfers, depending on the speed of the transaction.
- See Overdraft Grace Period page 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.
- 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.
