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Free Checking

Commerce Free Checking Account

Free. Flexible. Simple.

Manage your essential spending needs with your FREE checking account. The Commerce Free Checking Account is designed for your everyday banking needs.

Open a Commerce Free Checking account. Open a checking account

Connect your account to your favorite digital wallet, activate Online Banking, download the Commerce Bank Mobile App (for iPhone® or Android®), and experience the convenience and control to bank whenever and wherever you choose.

Questions about which account is right for you?

Challenge Accepted.®

Help me decidewhich Commerce Checking account is right


Visit a branch near you

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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.9

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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.8 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.6,7

We're here when you need us.

We may be nearly 160 years old, but we're always working to best support our customers' needs. We're here to help you bank where, when and how you would like — whether that's online, on mobile, over the phone, or in person.
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  1. Free paper statements are available with Commerce Free Checking.
  2. 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.
  3. Message and data usage fees apply; check with your wireless or VoIP provider for more information.
  4. Fees may apply for External Transfers, depending on the speed of the transaction.
  5. See Overdraft Grace Period page for details.
  6. 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.
  7. 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.
  8. 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.
  9. 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

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.