CommerceStudent Checking

CommerceStudent Checking

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

Open an account

What you get

  • Free Visa® Debit Card

  • Free Mobile Banking2, so you can bank whenever and wherever you want

  • Send and receive money with Popmoney and External Transfers4

  • Free Commerce Bank ATM transactions

  • Free email and text Alerts2 to help you manage your account

  • Avoid fees by keeping your account active1, using electronic payment methods and signing up for E-Statements.

  • Free Online Banking and Online Bill Pay

  • If your debit card is lost or stolen, we can issue you a new card instantly3

CommerceStudent Checking Details

  • Minimum deposit to open:


  • Monthly service fee:

    $3 if account is inactive1

  • Bank without the monthly fee!

    As long as the account is active, there is no monthly service fee1

  • Other fees:

    • $2 per teller-assisted withdrawal or paper check written5
    • Free E-Statement. E-Statement with Images $1 per month, Paper Statement $3 per month, Paper Statement with Images $4 per month6

Get started with CommerceStudent Checking

Open an account

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Not sure if CommerceStudent Checking is right for you?

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  1. $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.

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

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

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

  5. Fee of $2 per paper transaction (check or withdrawal slip) you write that posts during your monthly statement period. Customer is also responsible for cost of check orders including shipping & handling. Avoid this fee by using Online Bill Pay and Visa® Debit Card to make your payments.

  6. Must activate Online Banking and sign up for E-Statements to get free monthly E-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.