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Student Checking Accounts


Mobile payments

An ideal student checking account designed for students age 25 years and younger.

Access the Student Checking account anytime and anywhere! Whether you’re grabbing coffee before that 8 am class or snacks to fuel your late night study session, adding your debit card to your digital wallet provides 24/7 access to your account while you’re on the go. And, since your card is contactless, you are out of the check-out line with just a simple tap. We go where you go!

Open an account

What you get

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

  • Free online banking and online bill pay

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

  • Send and receive money with Popmoney and External Transfers3

  • If your debit card is lost or stolen, we can issue you a new card instantly2

  • 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.

CommerceStudent Checking Account Details

  • Minimum deposit to open:


  • Monthly service fee:

    $3 if account is inactive4

  • Bank without the monthly fee:

    As long as the account is active, there is no monthly service fee4

  • Other fees:

    • $2 per teller-assisted withdrawal or paper check written
    • Free Paperless Statement. Paperless Statement with Images $1 per month, Paper Statement $3 per month, Paper Statement with Images $4 per month5

On-Campus Banking

Convenient full-service branch and ATM locations on your college campus.

  • Kansas State University

  • Wichita State University

  • Missouri State University

Find an ATM or branch location near your campus

Open a CommerceStudent Checking Account

Not sure if CommerceStudent Checking is right for you?

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



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

  2. Available at select locations; $5 replacement fee for Instant Issue Debit Card.

  3. Fees may apply depending on the speed of the transaction.

  4. $3 monthly inactivity fee is charged after 60 days of inactivity. Avoid this fee by keeping your account active. Activity is defined as any transaction, such as a withdrawal, deposit, bill payment or ACH payment. An account inquiry, such as checking your balance in Online Banking or at an ATM, is not a transaction and does not count as activity.

  5. 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.

  6. Instant issue of a mySpending Card®; is limited to primary cardholders. Secondary cards available for pick up at the branch after 2 p.m. the next day. Online purchases must be issued to customer via U.S. mail.

 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